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.
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.
MH Advantage®
Millions of people across America are in need of affordable housing AND flexible financing. MH Advantage® homes now offer improved interior and exterior features, which translates to a beautiful home with a competitive mortgage.
What My Clients Say
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