Mortgage Solutions
Get mortgage ready
Buying a place feels huge because it is. We break it into small, clear steps and stay on the phone with you the whole way through.
Good for
Made for moments like these
First time buyers
Never done this before? Perfect. We will explain every term and every fee before you sign anything.
Condos and townhomes
Lower maintenance, closer to everything. We finance them all.
Your first rental property
Ready to become a landlord? We can help you fund a duplex or small multi unit.
Also under this roof
Manufactured homes and trailers, financed the same easy way
Manufactured Homes
Single wide, double wide, modular or tiny. Modern manufactured homes are stylish, energy efficient and a fraction of the price. We make the financing just as smart.
- New and pre owned homes
- Options whether you own land or not
- First time buyer friendly
- Straightforward terms, no runaround
Trailers
Travel trailers, fifth wheels, toy haulers, cargo and utility trailers. Whether it is for weekend adventures or hauling gear for work, we will get you rolling.
- Campers, haulers, horse and livestock trailers
- Dealer or private seller purchases
- Tell us the price and your down payment
- Fast answers so you do not miss the deal
Before you apply
What you will want nearby
You do not need any of this to start. But having it close makes the whole thing faster once we say yes.
Quick checklist
- Government issued ID
- Last 2 years of tax returns (mortgage)
- Recent pay stubs
- Bank statements for your down payment
- Purchase agreement, once you have one
- Home or trailer details and price
Real questions
Stuff people actually ask us
Still curious after this? Call or text us at (706) 786-9330 and a real person will answer.
Do you actually give out mortgages?
No. We are a brokerage. We refer you to licensed mortgage lenders and stay in your corner through the process. We do not originate mortgages ourselves.
What credit score do I need to buy a house?
It varies by lender and loan program. Some programs work with scores in the low 600s or even below with a stronger down payment. If you are not there yet, our credit building service can help you get closer.
How much do I need saved for a down payment?
Less than most people think. Depending on the program, it can be a few percent of the price. Closing costs are extra, so we will help you plan for the full picture, not just the down payment.
Can I get financing for a manufactured home?
Yes. Manufactured and modular homes have their own financing paths, whether you own the land or are placing the home on leased land. Tell us the situation and we will match you with the right partner.
Do you finance travel trailers and campers?
We do. Travel trailers, toy haulers, cargo and livestock trailers, from a dealer or a private seller. That is handled like a vehicle loan, so answers come fast.
Will talking to you hurt my credit?
No. Reaching out and applying with us does not affect your score. A lender runs a hard check only when you decide to move forward with a specific loan.
Heads up: Olive Branch Capital is a brokerage. We match you with lending partners and may receive compensation from them when a loan closes. That never changes your cost, and it never decides which option we recommend. All loans are subject to approval. Approval, rates and terms are decided by the lender. Availability varies by lender and location. For home loans, we refer you to licensed mortgage lenders. Olive Branch Capital does not originate mortgages. Read our full disclosures.
Ready when you are.
Takes about five minutes. No credit hit for applying. Just a straight answer from real people.