FINANCING BUILT AROUND YOUR REAL ESTATE GOALS

Real estate financing is not one-size-fits-all. A first-time buyer, experienced homeowner, investor, developer and entertainment professional may each require a different strategy.

SITI Real Estate helps you understand the available paths, identify important questions and connect the property search with an appropriate financing plan.

CHOOSE YOUR FINANCING PATH

TRADITIONAL HOME FINANCING

For first-time and repeat homebuyers purchasing a primary residence.

Financing options may include:

• Conventional financing
• FHA financing
• VA financing for eligible military borrowers
• USDA financing for eligible properties and borrowers
• New-construction financing
• Renovation financing
• Jumbo financing for higher-value properties
• Fixed-rate and adjustable-rate options

We help buyers understand prequalification, preapproval, interest rates, APR, estimated cash to close, mortgage insurance, property taxes, homeowners insurance and the complete monthly payment.

DOWN-PAYMENT ASSISTANCE, GRANTS AND LOCAL INCENTIVES

This section is specifically for buyers purchasing an eligible primary residence. Most assistance programs are not available for investment properties or second homes.

Potential resources may include:

• Georgia Dream
• Peach Plus and Peach Advantage
• Beltline Mortgage Assistance Program
• ATL HomeNOW
• ATL Home Renovation Advantage
• Atlanta Housing Down-Payment Assistance
• Perry Bolton Mortgage Assistance
• Vine City Renaissance Initiative
• Fulton County Homeownership Program
• Cobb County My Home DPA
• Gwinnett County Homestretch
• Clayton County Down-Payment Assistance
• DeKalb HomeStart
• Douglas County Housing Partnership
• Henry County and other local programs

Eligibility is based on factors such as household income, property location, purchase price, buyer status, credit qualification, participating-lender requirements and available funding.

[Place the complete state, BeltLine, City of Atlanta and county program descriptions directly beneath this introduction.]

INVESTOR FINANCING

For buyers purchasing rental properties, multi-unit properties or building a real estate portfolio.

Possible financing paths may include:

• Conventional investment-property loans
• Debt-service coverage ratio financing
• Portfolio lending
• Fix-and-flip financing
• Renovation financing
• Short-term or bridge financing
• Multi-unit property financing
• Cash-out and equity-based strategies

Investment financing should be evaluated using projected rent, operating expenses, reserves, property condition, exit strategy and expected return—not purchase price alone.

LUXURY AND HIGH-NET-WORTH CLIENTS

For clients purchasing or selling higher-value real estate who may have complex income, asset or privacy considerations.

The process may involve:

• Jumbo financing
• Portfolio and private-bank options
• Asset-based qualification
• Multiple-property ownership
• Trust or business-entity considerations
• Coordinated purchase and sale timelines
• Privacy-conscious property searches
• Discreet communication and representation

SELF-EMPLOYED, ENTREPRENEURS AND ENTERTAINMENT PROFESSIONALS

Traditional income documentation may not fully reflect the financial profile of a business owner, entertainer, athlete, independent contractor or commission-based professional.

Depending on the lender and borrower’s circumstances, possible paths may include:

• Bank-statement programs
• Profit-and-loss statement programs
• Asset-based qualification
• Conventional financing using tax returns
• Jumbo and portfolio programs
• Financing for irregular or multiple income sources

The appropriate option depends on how income is earned, reported and documented. A personalized review should take place before beginning the property search.

DEVELOPERS AND BUILDERS

For clients pursuing land acquisition, new construction, redevelopment or larger real estate projects.

Possible resources may include:

• Acquisition financing
• Construction financing
• Acquisition and development financing
• Bridge and private-capital options
• Commercial lending resources
• Tax Allocation District financing
• Transit-oriented development resources
• Brownfield and C-PACE programs
• Invest Atlanta development incentives
• Opportunity Zone and community-development resources

Development financing requires a separate review of the site, zoning, project scope, budget, experience, equity contribution, projected use and exit strategy. SITI Real Estate can help connect the real estate opportunity with appropriate development and financing resources.

NOT SURE WHERE YOU FIT?

You do not need to select a loan program before speaking with us. Start with your intended property use, preferred location, financial profile and long-term goal. From there, we can help determine which questions to ask and which financing resources may be appropriate.

REQUEST A PERSONALIZED FINANCING AND PROPERTY STRATEGY SESSION

Prepare → Finance → Purchase → Protect → Build

Loan products, assistance programs, interest rates, terms, funding and eligibility requirements are subject to change. Financing is subject to application, qualification and lender approval. SITI Real Estate does not guarantee financing, program eligibility or the availability of assistance funds. Specialized financing may be provided by or referred to appropriately licensed third-party professionals.