Holly Lott
Senior Branch Manager and Construction Specialist
About
Whether you are buying your first home or your fifth, you deserve to be treated with personal, professional service. As an experienced mortgage loan officer, I am dedicated to minimizing the frustrations sometimes associated with obtaining a mortgage loan. I’ll treat your transaction as if it were my own. I keep up to date on industry guidelines and regulations and work hard to deliver you a smooth experience. In addition, I promise that I’ll be honest and available to you at all times, and will work to understand your needs and concerns. I have over 30 years of experience in the banking and financial industry, and 22 of those years are in the mortgage industry. I’ve received the Mortgage Banker’s Association of Georgia Gold Award for 16 years and the MBAG President’s award for eight years. I am also a proud member of the Augusta Board of Realtors, the Home Builders Association, the Sales & Marketing Council, and the Mortgage Bankers Association. I’ve served as President of the Augusta Mortgage Bankers Association and currently serve as an MBAG Governor at Large for the 2018/2019 calendar year.
Awards
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
Jumbo Loans
Sometimes bigger is better when it comes to your dream home. For those who require higher loan amounts, our Jumbo Loan can help you enjoy low payment options.
HomeReady® Mortgage
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
What My Clients Say
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