A Tough Lender for Tough Loans

Traditional loans are for traditional situations made from traditional banks. If that doesn’t fit you, then that is where we come in—with creative solutions and non-conforming loans for Atlanta area residents.

Highly-rated Mortgage Lender

Benjamin Bankers is ranked 5 stars on Facebook, Pro-Experience and Zillow

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All the Ways We Will Help

Training, experience and skills let us work from more angles to get our clients in the Atlanta area the non-conforming loans they need, instead of getting a loan officer the papers they need.

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Jumbo Loans

Big homes take big loans. Ask for a mortgage about a set limit and things start to get trickier. The catch is that a lot of homes in Atlanta are going to be more than a traditional loan can handle. We make jumbo loans and non-QM mortgages work for Atlanta residents, often without mortgage insurance, and with as little as 5% to 10% down.

Self Employed Loans | Benjamin Bankers

Self-Employed Loans

If you are self-employed, you know that the taxes can be brutal. Your only defense is to write off everything you can and drive your income lower. Unfortunately, that lower income may make qualifying for a mortgage harder than it should be. We work with the self-employed to get mortgages that understand being self-employed doesn’t make your money worth less.

Investor Loans | Benjamin Bankers

Investor Loans

If you are an investor, you know financing is more difficult when you don’t plan to live on the property. Some banks make you jump through a lot of hoops. Often, without supplying specific income documentation, they make it even harder to get the loan. We have lenders who understand how real estate investing works, and who can make things happen with non-conforming loans for Atlanta residents.

Asset Based Loans | Benjamin Bankers

Asset Based Loans

Only America could come up with a system where not needing credit lowers your credit score. Likewise, having plenty of money to repay a loan somehow makes you less likely to qualify for one, unless you have the right income. Our asset backed loans ensure that your capital stays where you want it while still using it to qualify.

ITIN Loans | Benjamin Bankers

ITIN Loans

We work with borrowers who have an ITIN, whether or not they lack a social security number. Let us help provide the opportunity to buy a home and take a step toward the American dream with our non-conforming loans and non-QM mortgages for Atlanta residents.

Get a Cash Out Refinance | Benjamin Bankers

Get a Cash-Out Refinance

There are two ways to build up a lot of equity in a home. One way is living there a long time and taking down that mortgage one payment at a time. The more common way is for property values to rise quickly around you. Of course, a house that is worth twice what you paid is nice, but getting some of that cash would be even better. Our refinancing brokers in the Atlanta area have programs to help you get at your home’s equity.

Use Our Quick & Easy Tools to Know Your Options & Get Pre-Approved

Get a Free Pre-Approval Letter

Pre-approved means that someone has already looked at your situation and told you that it could work. A pre-approval letter means that you can show Atlanta home sellers that you are a serious buyer with the means to make a deal happen.

Analyze Your Refinance Options

If you want to know what your refinance options look like, the best way to find out is with our online calculator. Enter your values to start getting ideas.

Compare Today’s
Mortgage Rates

Interest rates have been all over the place lately, which is why we can help you compare individual mortgage terms that will be best for you.

Your Loan Fully Funded in 30 Days

The last thing anyone wants is to wait for a bank to make a decision. The second to last thing anyone wants to do is wait for a bank to deposit the money. We work fast at Benjamin Bankers. Your loan could be fully funded in just 30 days.

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Pick the Right Home Loan for You

There are several different types of home loans and terms. Picking the right one for you means understanding your needs and situation. Whether you need cash out, the lowest rate, or the lowest payment, we’ll make sure you get the right loan for you.

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Get a Cash-Out Refinance

Typically, lenders like to limit how much cash you take with a refinance. That equity is their cushion if something goes wrong with the loan. We can get you 95% LTV cash out without mortgage insurance.

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Shop Around for the
Best Rate

Our rate comparisons mean knowing ahead of time what the possibilities look like. Use our comparisons to make sure you are getting the best possible deal on a non-conforming loan with our Atlanta area team.

Get a mortgage quote now! Stop worrying—Go build your future!

A mortgage is as unique as your perfect home. Factors like location, your current employment status, documentation needs, and overall financial health add up to the perfect loan like getting the right location, number of bedrooms, and overall quality add up to the perfect home.