Onward Home Mortgage

Maximum Leverage

Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term (DSCR)
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Loan Programs
Property Types and Loan Types
Junior Liens
Junior Lien Loan Amounts
Junior Lien Interest Rates
Origination Fees
Junior Lien Loan-to-Value
We Fund Junior Position Loans
Land Loan
Max LTV for Land
Max LTC for Land Acquisition
Purchase Loan
Max Loan-to-Purchase Price
Borrower Must Have Property Under Contract
Will Provide Proof of Funds Letter
Will Consider Lending on Purchase from Auction
Rehab Value Add Loan
Experience Required
Minimum Number of Value-Add Projects Completed by Borrower
Will Consider Lending on Purchase from Auction
Max LTC for Renovation Costs
Interest Charged for Renovation Costs
Typical Number of Days for Funds Draw
Construction Loan
Development Experience Required
Minimum Number of Ground-Up Construction Projects Completed by Borrower
Max LTC for Ground-Up Construction Costs
Interest Charged for Construction Costs
Will Lend on Partially Completed Construction Projects
Residential Long-Term DSCR Loans (1-4 Units)
Minimum Loan Amount
Maximum Loan Amount
Minimum Interest Rate
Maximum Interest Rate
Minimum Origination Fee
Maximum Origination Fee
Minimum Loan Term
Maximum Loan Term
Minimum Loan-To-Value
Maximum Loan-To-Value
Minimum Property Value
Seasoning Time
Minimum Debt Service Coverage Ratio
Minimum Credit Score
Will lend on vacation homes and short-term rentals
Will Lend on a Portfolio of Properties

Details and Requirements

Maximum Units for Multifamily Properties
Pre Payment Penalty
Deposit Required
Will lend to a foreign national
Will Consider Equity Joint Venture
Personal Guaranty (Recourse) Required
About

Onward Home Mortgage, a private, boutique mortgage company headquartered in Atlanta, was founded in unique collaboration and strong partnership with the Keller Williams Georgia Legacy Group (GLG).

Onward’s high-caliber mortgage professionals are trusted, award-winning individuals with over 125 years of combined mortgage experience.  Onward’s President, Kathy Vitali, has been in the mortgage industry for 30+ years and affiliated with GLG for 15 years.  Kathy and her team are dedicated to opening doors to home financing by developing creative, distinct and tailored solutions, while exemplifying the very highest standard of integrity, professionalism, and service.

With a deep knowledge of the Georgia and Alabama markets, and an in-depth understanding of the loan process, the Onward team is committed to providing a relationship-focused and client-driven experience.  They not only match clients with the right loan products to meet their needs, but also invest the time to view each loan individually from the client’s personal perspective.  The goal is to walk steadfastly alongside the homebuyer at every stage of the journey, delivering and closing on-time with confidence, efficiency and security.

Onward’s high customer satisfaction scores validate the commitment to staying focused on delivering value.  Expect undivided attention, fast response times, and quick problem-solving to help you throughout the process!

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NMLS #887573
695 Mansell Rd #100, Roswell, GA 30076, USA