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Athens home loansAthens Mortgage & Home Loans
College-town financing, including the investor files.
The Athens market — and how we finance it.
Athens is defined by the University of Georgia, which shapes both the employment base and the rental market. Housing ranges from historic in-town neighborhoods near downtown to newer subdivisions on the outskirts, and student-driven rental demand keeps investor interest consistently high.
University employees, first-time buyers, and a steady investor base financing student rentals — many of whom qualify better on rental income than on personal returns.
Licensed in Georgia. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in Athens.
Athens mortgage questions.
Can I finance a student rental in Athens?
Yes. Our DSCR program qualifies the loan on the property's rental income rather than your tax returns, which suits investors building a portfolio around the university.
Do you lend on multi-unit property?
We do. Two-to-four-unit properties are eligible under several programs, and if you live in one unit you may be able to use owner-occupied terms on the whole building.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving Athens, Georgia and the surrounding market.
Buying or refinancing in Athens?
Start a quick, no-pressure application and we'll map the right path for your Athens purchase or refinance.