Purchase Loan Products
Own Your Georgia Home in 15 Years Instead of 30
A 15 year mortgage isn't a different loan program. It's a shorter clock on the same loan. You pay it off in half the time, you usually get a lower rate for doing it, and you keep far more of what you'd otherwise hand a lender in interest. The tradeoff is the whole conversation: the payment is meaningfully higher.
You can choose a 15 year term on Conventional, FHA, and VA financing. What changes is the payoff date, not the program.
Based in Atlanta, serving buyers across Georgia
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Free Rate Quote
Get a Free 15 Year Rate Quote
National averages tell you the shape of the market. A quote tells you what your payment would actually be, on both terms.
A rate quote is not a loan application, an approval, a rate lock, or a commitment to lend. Pricing varies by credit profile, loan program, occupancy, property type, and loan amount, and changes with the market.
What to expect: a few questions about the purchase, your down payment, and your timeline.
What we'll show you: the 15 and the 30 side by side on your numbers, both payments and what each costs over the loan's life.
What we'll ask: whether you're leaning Conventional, FHA, or VA, since the term insures differently on each.
What we won't do: push you toward the shorter term. If the payment doesn't leave you room to live, we'll say so.
Both Terms, Your Numbers
As an independent brokerage, the quote reflects what several wholesale lenders are pricing now rather than one lender's answer.
Prefer to talk it through first? Talk With A Loan Expert or call 404.919.5533.
Who It May Fit
Buyers Who Often Choose a 15 Year Term
The 15 year is a minority choice, and it should be. It fits buyers whose income comfortably clears the higher payment. Recognizing yourself below doesn't mean you qualify, only that the conversation is worth having.
Buyers who want a payoff date they can name
Part of this decision isn't financial. Knowing the exact year the payment stops is worth more to some buyers than the flexibility they give up.
Buyers targeting retirement without a mortgage
Buying in your forties or early fifties lines the payoff up with the point your income may change. The most common reason we see the shorter term chosen.
Move up buyers with real equity
When sale proceeds cover a large down payment, the remaining loan is small enough that the higher payment stays reachable. The most common path to a 15 year purchase in Atlanta Metro.
High and stable income households
Two established incomes, low other debt, room in the budget. The payment is a preference rather than a strain.
Buyers deliberately buying below their maximum
If you were preapproved for more house than you want, the shorter term puts that capacity toward being finished sooner.
Buyers who care most about total interest
Over a full term the difference in what you pay a lender is large, and no other lever moves that figure as directly.
Buyers who want equity sooner
Principal builds much faster from the first payment, which matters if you may sell, move, or borrow against the home.
Buyers who don't trust themselves to prepay
Plenty of people intend to pay extra on a 30 year and don't. The shorter term makes the decision once instead of every month.
Fitting a profile above is not a determination of eligibility. Credit, income, debt to income ratio, down payment, occupancy, property type, and program requirements all apply. A shorter term raises the payment, which raises your debt to income ratio and may reduce the loan amount you qualify for.
An Honest Look
When a 15 Year Term May Not Be the Right Fit
This is the part most 15 year pages skip. The shorter term is the wrong call more often than it's the right one. Any of these is a reason to look at a 30 year first.
The higher payment would use up your margin. A mortgage you can technically afford and one you can comfortably carry are different things, and a bad year hits a 15 year payment much harder.
You'd have to buy less house. If the shorter term pushes you out of the school district or commute you wanted, the 30 year on the right house wins.
You don't have an emergency fund yet. Money put into faster principal paydown isn't easy to get back out. Reserves come first.
You're carrying higher interest debt. Credit card and personal loan balances cost more than a mortgage, so paying the mortgage down faster is the wrong order.
You're not capturing your full employer retirement match. That's a question for a financial advisor, not a lender.
Your income is variable or seasonal. Commission and 1099 borrowers often value paying the lower required amount in a slow quarter. A 30 year allows that. A 15 year doesn't.
The higher payment would cap your loan amount below what you need, because lenders qualify you on the payment.
You're using Georgia Dream down payment assistance, which requires a 30 year fixed rate first mortgage.
Options worth comparing instead
A 30 year term you can comfortably carry is a better outcome than a 15 year term that keeps you up at night.
A 30 year fixed term with extra principal payments when you have the room, keeping the lower required payment as your floor.
A 20 year fixed term, the middle option most buyers never ask about. It shortens the clock meaningfully at a payment closer to a 30 year.
First time buyer programs, if down payment assistance matters more to you than the payoff date.
A refinance into a shorter term later, if you'd rather start at 30 years and shorten once your income or equity has grown.
The Full Picture
Potential Benefits, Weighed Against Real
Considerations
Both columns deserve equal weight. The 15 year term is genuinely powerful and genuinely restrictive, and which one you feel depends on your budget.
POTENTIAL BENEFITS
The rate is typically lower. Freddie Mac's weekly survey has shown the 15 year fixed running roughly seven to nine tenths of a point below the 30 year across 2025 and 2026.
You pay interest for half as long and at a lower rate, so the total interest difference over a full term is large rather than marginal.
Principal comes down fast from the first payment, so equity builds years ahead of a 30 year on the same home.
Reaching 20% equity sooner means PMI on a Conventional principal residence can come off sooner.
Mortgage insurance is often cheaper outright. Agency guidelines require materially less coverage at 20 years or fewer, and FHA charges a lower annual premium at 15 or fewer.
The payoff date is fixed and knowable, which for buyers planning around retirement is the whole point.
IMPORTANT CONSIDERATION
The payment is substantially higher. At the rate spread published in mid August 2026, a 15 year payment runs roughly 1.3 times a 30 year payment on the same loan amount, and closer to 1.4 at equal rates.
That payment counts fully in your debt to income ratio, so the same income qualifies you for a smaller loan. Agency guidelines cap total debt to income at 50% through automated underwriting.
The obligation is permanent. You can always pay a 30 year faster, but you can't pay a 15 year slower.
Money committed to principal isn't liquid. Getting it back means selling, refinancing, or borrowing against the home.
Down payment assistance is usually off the table. Georgia Dream and most programs require a 30 year fixed first mortgage.
It's a minority product, so fewer lenders quote it competitively unasked. About 3% of the loans Fannie Mae and Freddie Mac acquired in 2024 carried a 15 year fixed term, down from roughly 17% in early 2020.
On FHA the shorter term doesn't end mortgage insurance early. The premium is cheaper, but still runs 11 years at 90% loan to value or lower and the life of the loan above that.
How the 15 year term works on each program
The term is the same everywhere. What changes is the mortgage insurance treatment.
On a Conventional loan
The most common home for a 15 year term. Agency coverage requirements are materially lower at 20 years or fewer, which generally means a cheaper premium, and on a principal residence that insurance can be cancelled. Explore Conventional loans.
On an FHA loan
FHA charges a much lower annual premium at 15 years or fewer, which is real and underused. It doesn't end that insurance early, though eleven years out of fifteen is a smaller share of the loan than eleven out of thirty. Explore FHA loans.
On a VA loan
The cleanest pairing of the three. VA charges no monthly mortgage insurance on any term, so the shorter term simply buys a lower rate and a faster payoff. The one time funding fee still applies unless you're exempt. Explore VA loans.
Educational only, and not a determination of what you qualify for. Rate spread and payment ratio figures reference Freddie Mac's published national survey averages as of August 13, 2026. Those are averages of rates offered, not rates offered by UHome Mortgage, and they move with the market. Mortgage insurance, loan to value, and debt to income figures reference current agency and HUD requirements as of the review date.
Compare Your Options
How a 15 Year Term Compares With Other Terms
Same house, same program, four different clocks. The right answer depends on how much monthly room you have.
| Decision point | 15 Year Fixed | 30 Year Fixed | 10 Year Fixed | Adjustable Rate |
|---|---|---|---|---|
| Best suited for | Buyers with budget room who want the home paid off in half the time. | Most buyers. The lower payment preserves flexibility and buying power. | Buyers with substantial equity or income who want the fastest possible payoff. | Buyers expecting to sell or refinance before the fixed period ends. |
| Interest rate | Typically below the 30 year, by roughly seven to nine tenths of a point across 2025 and 2026 in Freddie Mac's survey. | The benchmark rate most buyers see quoted. | Generally at or below the 15 year, though quoted far less often. | Typically starts below the 30 year, then adjusts on a defined schedule. |
| Illustrated payment on a $400,000 loan | About $3,367 a month, principal and interest. | About $2,573 a month, principal and interest. | Not illustrated. Freddie Mac publishes no 10 year average. | Not illustrated. Depends on the initial period and index. |
| Illustrated total interest on a $400,000 loan | About $206,000 over the full term. The balance is down to roughly $174,000 after ten years. | About $526,000 over the full term. The same loan is still around $341,000 after ten years. | Lower than the 15 year, at the highest payment of the four. | Cannot be illustrated. Future adjustments are unknown. |
| Primary advantage | A lower rate, far less interest, and a payoff date you can name. | Flexibility. You can still pay extra whenever you want. | The lowest lifetime interest cost of any fixed term. | A lower initial payment for a defined period. |
| Potential tradeoff | The higher payment is permanent. You can pay a 30 year faster, not a 15 year slower. | More total interest and slower equity, unless you actually pay extra. | The payment is out of reach for most buyers on a typical loan amount. | The payment can rise after the fixed period ends. |
| When another option may fit better | When the payment would eliminate your margin, or assistance is worth more to you. | When you have clear room in the budget and want to be finished sooner. | When you want a fast payoff but need the payment to stay reachable. | When you plan to stay long term and want a payment that never moves. |
| Compare My 15 and 30 Year Options | Run the Payment Calculator | Explore Conventional Loans | Explore Adjustable Rate Loans | Explore USDA Loans |
General and educational. Illustrated figures are calculated on a $400,000 loan using the national average rates published in the Freddie Mac Primary Mortgage Market Survey for the week ending August 13, 2026, reflect principal and interest only, and exclude taxes, insurance, mortgage insurance, and association dues. They are not rates or payments offered by UHome Mortgage. Your rate, payment, and total cost will differ. Nothing here is an offer to lend or a determination of eligibility. See the representative example in the disclosures.
Not sure which program fits? Talk With A Loan Expert
Your Path
How the 15 Year Loan Process Works
1
Talk through the goal
Whether you want the lowest payment, the fastest payoff, or the most house. Those pull in different directions, and we'd rather name that early than discover it at preapproval.
2
Price both terms side by side
We run the 15 and the 30 on the same purchase so you see both payments and both total costs. Most buyers settle this in one sitting once they see real numbers.
3
Get preapproved at the term you choose
We verify income, assets, and credit and run the file through underwriting. Worth knowing: preapproving at 15 years produces a smaller number than at 30.
4
Go under contract and lock
Once you have an accepted contract, we confirm the term still fits the actual purchase price and discuss when locking your rate makes sense.
5
Appraisal and underwriting
The property is appraised while underwriting reviews your file. Nothing here differs on a shorter term. Answering requests quickly is the biggest thing you control.
6
Clear to close and fund
You'll receive your Closing Disclosure, review the final terms, and sign. We walk those numbers through with you rather than emailing them and hoping.
Be Prepared
Documents You May Need
Not every borrower needs every item. Your loan expert will confirm exactly what applies to you.
Government issued photo identification
Income documents such as recent pay statements
Employment information for verification
Asset and bank statements
Down payment documentation
Housing history such as rent payment records
Gift fund documentation when applicable
Purchase contract once you are under agreement
Property information for the appraisal
Additional documents based on your situation
Not sure what applies to your situation?
UHome will walk through your list with you and help organize the next steps. No commitment, and clear answers before you apply.
Real World Context
Three Common Borrower Scenarios
Educational examples built to help you recognize your own situation. They are not promises, and another borrower with similar facts could reach a different outcome.
Educational Example 01
The Cobb County couple moving up with equity from a sale
The situation
A couple in their late forties is selling a home they've owned fourteen years and buying a larger place closer to work. The sale leaves substantial proceeds, so the loan they need is much smaller than the purchase price suggests.
Why a 15 year term may be considered
Because the loan is modest relative to their income, the shorter term's payment lands close to what they were already paying, and they'd be finished around the time they'd planned to slow down.
What still needs review
Whether both payments overlap during the transition, whether sale proceeds are documented and available at closing, and whether their debt to income ratio supports the higher payment.
When another term could fit better
If the new house pushes the loan higher than expected, a 20 or 30 year keeps it reachable. The right house on a longer term beats the wrong house on a shorter one.
Educational Example 02
The Gwinnett County first time buyers doing the math on both terms
The situation
A dual income couple in their early thirties is buying their first home. They're strong savers who've read enough to know the 15 year saves a lot of interest, and they want to know whether to stretch for it.
Why a 15 year term may be considered
Their income supports it on paper, and over a full term the interest difference on a loan their size is genuinely large. The instinct is good and worth pricing.
What still needs review
Two things decide it. The higher payment reduces the loan they qualify for, which may put their target neighborhoods out of reach. And any down payment assistance they were counting on would likely require a 30 year fixed first mortgage.
When another term could fit better
Often here. A 30 year with extra principal gives them most of the benefit while keeping the lower payment as a floor through the years a first home produces surprise expenses.
Educational Example 03
The Henry County veteran buying with a VA loan at fifty two
The situation
A veteran with full entitlement is buying a home he intends to keep. He's thirteen years from the retirement date he has in mind and would rather not carry a mortgage into it.
Why a 15 year term may be considered
VA pairs unusually well with a shorter term. There's no monthly mortgage insurance on any VA loan, so the shorter term simply buys a lower rate and a payoff date that lands close to what he's planning around.
What still needs review
Whether the payment fits with room left over, how the one time VA funding fee applies or whether he's exempt, and whether a longer term lands close enough with more breathing room.
When another term could fit better
If the payment is tight, a 20 year may hit nearly the same goal with less monthly pressure. The date matters more than the number 15 does.
Scenarios are illustrative and educational. They do not represent actual borrowers, are not offers, and do not guarantee that a borrower with similar circumstances would qualify or receive the same result.
Be Prepared
Documents You May Need
Choosing a 15 year term doesn't add paperwork. It's the same loan on a shorter clock, so you're documenting the same things. Not every borrower needs every item below.
Identity and the transaction
Everyone
- Government issued photo identification
- Authorization to review credit
- Executed purchase contract
- Contact info for your agent and closing attorney
Assets and funds to close
Everyone
- Recent bank and investment account statements
- Source of your down payment funds
- Gift letter and documentation, if funds are gifted
- Settlement statement, if sale equity is funding the purchase
- Documentation of reserves, since a higher payment often means a larger reserve expectation
If you receive a W-2
Wage and salary earners
- Recent paystubs
- W-2s for the most recent years
- Bonus, overtime, or commission documentation where it applies
If you're self employed
Business owners, 1099 earners, contractors
- Personal federal tax returns with all schedules
- Business returns and K-1s where you hold an ownership interest
- Year to date profit and loss statement for the business
- Business license or verification the business is active
If you're using FHA or VA
Program specific items
- For VA, your Certificate of Eligibility
- For VA, your DD-214 or current statement of service
- For VA, support for a funding fee exemption if one applies
- For FHA, any items the automated findings request
If you already own a home
Move up buyers
- Mortgage statement for your current home
- Property tax, insurance, and HOA records
- Listing agreement or contract, if it's being sold
A general guide rather than a program requirement. What's requested depends on your profile, the loan program, the property, and the underwriting findings, and may include items not listed here.
Local Guidance
15 Year Mortgage Guidance for Georgia and Atlanta Metro Buyers
Whether a shorter term is realistic depends heavily on local prices and programs. Here's what matters for a 15 year purchase in Georgia.
What the Atlanta Metro median price means for a 15 year payment
The Atlanta REALTORS Association reported a median sales price of $442,500 across the eleven county metro area in June 2026. At that price with 20% down, the loan is roughly $354,000. Using the national average rates Freddie Mac published for the week ending August 13, 2026, principal and interest on a 15 year term would run about $2,980 a month against roughly $2,277 on a 30 year. That gap of about $700 is the whole decision, and it's why the shorter term works best for buyers bringing real equity or income rather than stretching to reach the median.
Georgia Dream assistance requires a 30 year term
This one catches people. The Georgia Department of Community Affairs runs the state's main down payment assistance program, and both the standard Georgia Dream product and Peach Plus require a 30 year fixed rate first mortgage. If you're using Georgia Dream, a 15 year term isn't an option on that loan. That's a real fork in the road, because the assistance can be worth several thousand dollars at closing. Decide it deliberately rather than discovering it late.
Loan limits aren't usually the constraint here
For 2026 the conforming loan limit is $832,750 for a one unit home, and every Georgia county sits at that baseline. Against a metro median in the mid four hundreds, that ceiling rarely binds. Your payment caps your loan amount long before the county limit does.
Don't forget the Georgia property tax line
The 15 year decision usually gets made on principal and interest, but your actual payment includes taxes and insurance too. Georgia assesses property at 40% of fair market value, with a standard statewide homestead exemption for owner occupants and a newer floating homestead exemption limiting how fast a homestead's assessed value can rise, though local governments and school districts were permitted to opt out. Build the full payment before deciding whether a 15 year fits.
GOOD QUESTIONS
15 Year Mortgage Questions, Answered Plainly
What is a 15 year mortgage?
A mortgage scheduled to be fully paid off in 15 years instead of the more common 30. It isn't a separate loan program, it's a term you choose, and it's available on Conventional, FHA, and VA financing. The payment is fixed, and because the schedule is half as long, a much larger share of every payment goes to principal from the first month.
Why is the interest rate lower on a 15 year mortgage?
Because a lender's money is at risk for half as long, and part of that difference gets passed to you. You can see it in agency pricing directly: the Federal Housing Finance Agency reported that in 2024 Fannie Mae and Freddie Mac charged an average guarantee fee of 47 basis points on 15 year fixed loans against 66 on 30 year loans. The Consumer Financial Protection Bureau describes shorter term rates as typically lower by up to a full percentage point.
How much higher is the monthly payment?
Less than double, which surprises people, but still a lot. Using the national average rates Freddie Mac published for the week ending August 13, 2026, a 15 year payment runs roughly 1.3 times a 30 year payment on the same loan amount. The lower rate absorbs part of the increase, and at equal rates the ratio would be closer to 1.4. That ratio moves with the market, so price both on your actual purchase.
Will a 15 year term reduce how much house I can buy?
Yes, and it's the most overlooked consequence of the choice. Lenders qualify you on your payment relative to your income, so a higher payment consumes more of your allowable debt to income ratio and supports a smaller loan. Agency guidelines cap total debt to income at 50% through automated underwriting. The same borrower will be preapproved for meaningfully less at 15 years than at 30.
Can I get a 15 year term on an FHA or VA loan?
Yes, on both. On FHA the shorter term carries a notably lower annual mortgage insurance premium, which is a real advantage that doesn't get discussed much. It doesn't end that insurance early, though: the premium still runs 11 years at 90% loan to value or lower and the life of the loan above that. On VA there's no monthly mortgage insurance on any term, so a 15 year VA loan is simply a lower rate and a faster payoff. The one time funding fee still applies unless you're exempt.
Is it better to take a 30 year and just pay extra?
A legitimate strategy, and the right call for a lot of buyers, but it isn't free. The rate isn't the same, so paying a 30 year at the 15 year payment amount takes longer and costs more. You'd also miss the mortgage insurance advantages, since a prepaid 30 year is still a 30 year term for coverage purposes. What you gain is flexibility: the required payment stays low, so a bad month is survivable, and most mortgages today carry no prepayment penalty. Choose the 30 year if you want the option. Choose the 15 if you know you won't use it.
Does a 15 year term lower my mortgage insurance?
Often, in two ways. On a Conventional loan, agency guidelines require materially less coverage at 20 years or fewer, which generally means a lower premium, though pricing is set by the mortgage insurance companies. On FHA the annual premium itself is charged at a lower rate at 15 years or fewer. Separately, faster amortization gets you to 20% equity sooner, and on a Conventional principal residence that's what lets the insurance come off. Federal law lets you request cancellation at 80% of original value, and your servicer must terminate it at 78%.
Can I use down payment assistance with a 15 year mortgage?
Usually not. Georgia Dream, the state's primary assistance program, requires a 30 year fixed rate first mortgage on both its standard and Peach Plus products. Most assistance programs are built the same way, because the lower payment is part of what makes the buyer eligible. If assistance is central to your purchase, plan on a 30 year term and treat a shorter term as a later refinance decision.
What if I take a 15 year and money gets tight later?
Worth thinking about before you sign, because the note obligates you to the higher payment for the life of the loan. Your options then are to refinance into a longer term, which means qualifying again and paying closing costs at whatever rates exist, or to sell. If a 15 year payment only works when nothing goes wrong, it doesn't work.
Have a question we didn't answer here?
Accuracy Matters
Reviewed for accuracy by a licensed mortgage professional
Rates move weekly and guidelines change annually. Rate dependent figures are recalculated at each review, not simply re-dated.
Reviewed by a licensed mortgage professional
Coby Pegues
President | Loan Originator
NMLS #2556341
Last reviewed [CMS: Reviewed date]. Sources verified [CMS: Sources verified date]. Rate figures on this page reflect the Freddie Mac survey week ending August 13, 2026.
Sources & References
Figures come from primary agency, government, and industry sources, re-verified at each review date.
- Freddie Mac, Primary Mortgage Market Survey, weekly average 30 year and 15 year fixed rates
- Federal Housing Finance Agency, Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024
- Federal Housing Finance Agency, 2026 conforming loan limit values
- Fannie Mae Selling Guide B7-1-02, mortgage insurance coverage requirements by loan term
- Fannie Mae Selling Guide B3-6-02, debt to income ratios
- HUD Mortgagee Letter 2023-05, annual mortgage insurance premium rates by loan term
- HUD Mortgagee Letter 2013-04, mortgage insurance premium duration
- Consumer Financial Protection Bureau, choosing a loan term
- Consumer Financial Protection Bureau, removing private mortgage insurance
- U.S. Department of Veterans Affairs, VA purchase loan and funding fee
- Georgia Department of Community Affairs, Georgia Dream program requirements
- Georgia Department of Revenue, property tax and homestead exemptions
- Atlanta REALTORS Association, metro Atlanta market brief
Keep Learning
Explore Related Resources
Your Next Step
Let's Find Out Whether a 15 Year Term Fits Your Situation
The fastest way to settle this is to see both payments on your actual purchase. We'll price the 15 and the 30 side by side and tell you which one your budget can carry.
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Disclosures
General mortgage disclosure
[CMS: General disclosure] This page is for educational purposes and is not a commitment to lend. Program requirements may vary. Eligibility depends on the complete borrower profile and the property. All loans are subject to underwriting, program requirements, and credit approval. Additional requirements may apply.
15 year term disclosure
[CMS: Program disclosure] A 15 year mortgage is a loan term rather than a distinct loan program, and availability depends on the underlying program, the lender, and the borrower's qualifications. A shorter term results in a higher monthly payment than a longer term at the same loan amount, which increases the borrower's debt to income ratio and may reduce the loan amount for which a borrower qualifies. A borrower who selects a 15 year term is obligated to the scheduled payment for the life of the loan. Interest rate, mortgage insurance, loan to value, debt to income, and documentation requirements referenced on this page reflect current agency, HUD, VA, and federal requirements as of the review date and are stated as general requirements rather than as terms offered to any borrower. Down payment assistance program requirements, including those of the Georgia Dream program, are set by the administering agency and are subject to change. Nothing on this page is an offer to lend, a rate quote, or a determination of eligibility.
Rate and payment illustrations
[CMS: Illustration disclosure] Interest rates referenced on this page are national average rates offered, as published by Freddie Mac in the Primary Mortgage Market Survey for the week ending August 13, 2026. They are not rates offered by UHome Mortgage LLC and are not available to any particular borrower. Illustrated monthly payments, total interest figures, and remaining balance figures are calculated from those published averages on a stated hypothetical loan amount, reflect principal and interest only, and exclude property taxes, homeowners insurance, mortgage insurance, and homeowners association dues, all of which increase the actual monthly payment. Figures are rounded. Actual rates, payments, and total costs vary by borrower, program, property, and market conditions and will differ from the illustrations shown.
Representative example
[CMS: Representative example] The payment and term figures shown on this page are based on an interest rate of [REP_RATE], an annual percentage rate of [REP_APR], a repayment term of [REP_TERM], and a down payment of [REP_DOWN] for qualified borrowers. Your rate, annual percentage rate, payment, and terms may differ and depend on credit, loan program, occupancy, property type, loan amount, and other factors. Figures are populated and verified before publication.
Licensing information
Coby Pegues, NMLS #2556341 · UHome Mortgage LLC, Company NMLS #2559453
[CMS: State licensing] UHome Mortgage LLC is an independent mortgage brokerage, not a lender. Licensed in Georgia, Alabama, and Texas. State licensing details placeholder. Verify licensing at NMLS Consumer Access.
Equal Housing Opportunity
[CMS: EHO statement] Equal Housing Opportunity. Placeholder for the Equal Housing statement and logo placement.
Additional program disclosures
[CMS: Additional disclosures] Repeatable disclosure blocks may be added per loan program without editing the template. UHome Mortgage LLC is not acting on behalf of or at the direction of HUD, FHA, the U.S. Department of Veterans Affairs, or the Georgia Department of Community Affairs.
