POPULAR FOR FIRST-TIME BUYERS
FHA Loans
Flexible financing with down payments as low as 3.5% for qualified borrowers.
Let's discuss FHA ↗ YOUR HOME FINANCING PARTNER
Home financing.
Made personal.
Buying your first home, moving up, or looking for a smarter mortgage? I'll help you understand your options and find a path that fits your life.
✓ Straight answers✓ Creative solutions✓ Personal service
More possibilitiesFind a path that fits
Your next chapterStarts with a conversation
PROUDLY SERVING BORROWERS IN GEORGIA · ALABAMA · FLORIDA · TENNESSEE
WELCOME HOME
Not just a loan.
A plan to get you home.
Every homebuyer has a different story. That's why I take the time to learn yours, explain the numbers, and explore loan programs that traditional one-size-fits-all approaches might miss.
Get to know my approach ↗FINANCING THAT FITS
There's more than one
way to get home.
From traditional mortgages to more flexible paths to homeownership, explore options that may work for you.
VA Loans
Powerful mortgage benefits for eligible veterans, service members, and qualifying spouses, including potential zero down payment.
Explore VA ↗USDA Loans
Potential 100% financing for eligible buyers and properties in qualifying rural and suburban areas.
Explore USDA ↗Conventional Loans
Flexible choices for purchase or refinance, including low-down-payment options for qualified buyers.
Explore conventional ↗Down Payment Assistance
Explore eligible assistance programs that may help reduce the money needed upfront.
Find assistance ↗Bank Statement Loans
Alternative income documentation options for eligible self-employed borrowers and business owners.
See my options ↗ITIN & Nontraditional
Ask about financing paths for applicants with an ITIN or other nontraditional qualification needs.
Let's talk ↗Jumbo Loans
Financing solutions for higher-priced properties, with qualification and product features varying by program.
Explore jumbo ↗Refinancing
Review your current loan and explore options to adjust terms, access equity, or potentially reduce payments.
Review my loan ↗Temporary Rate Buydowns
Ask how eligible temporary buydown structures may lower initial payments during the early loan years.
How buydowns work ↗Rent-to-Own Paths
Learn about alternative homeownership solutions, including select lease or equitable-title arrangements.
Explore pathways ↗Don't see your situation?
Every scenario is different. Let's explore possibilities together.
Ask Matt ↗All loan programs are subject to credit approval, income, property, eligibility, and applicable underwriting requirements. Availability, terms, and minimum down payments vary. Rent-to-own and equitable-title options may be offered through third parties and are not necessarily mortgage loan products.
MATT COMBS
HOME LOAN
GUIDANCE
GUIDANCE
Your lender. Your advocate.
THE PERSONAL DIFFERENCE
Hi, I'm Matt.
Let's make this simple.
I'm Matt Combs, a mortgage loan originator who believes getting a mortgage shouldn't feel confusing or impersonal. Whether it's your first purchase or your fifth, you deserve clear communication, honest answers, and someone who takes your goals seriously.
01Real conversationsNo unnecessary jargon. Just a clear explanation of your options.
02Creative thinkingI'll look beyond the obvious to see what solutions may fit.
03Support from start to finishQuestions don't stop when you get preapproved. Neither do I.
FOR HOMEBUYERS
A free 1-year rate buydown
to ease into homeownership.
On eligible purchase loans, I offer a temporary 1-year rate buydown at no added cost to you. A temporary buydown reduces your monthly payment during the first year of the loan, giving you breathing room while you settle into your new home.
- ✓ Lower payments during year one on eligible loans
- ✓ Your full note-rate payment applies starting in year two, and you must qualify at that payment
- ✓ Availability, eligibility and terms depend on loan program, property and borrower qualifications
Not all borrowers will qualify. This is not a commitment to lend or an offer of specific rates or terms. Contact Matt for details.
FOR REAL ESTATE AGENTS
A lending partner who
keeps your deals moving.
Clear communication with you and your clients, from preapproval to closing.
Responsive updates
Proactive status updates so you and your buyers know where the loan stands.
Stronger offers
Prompt preapproval letters and a buydown option on eligible loans that can help buyers feel confident.
Creative options
FHA, VA, USDA, conventional, jumbo, down payment assistance and non-traditional programs.
YOUR ROADMAP
Four steps. One big move.
You don't need to know everything about mortgages. That's what I'm here for.
01
☏
Let's connect
Tell me about your goals, timeline, and what matters most.
02
▤
Explore options
We'll compare loan programs and discuss possible next steps.
03
✓
Get loan-ready
We'll work through application, documentation, and approvals.
04
⌂
Welcome home
Move toward closing with a clear picture of the process.
HAVE A QUESTION?
Let's talk about
what's possible.
Text, call, or send me a note. No pressure. Just a starting point.
GOOD TO KNOW
Common questions,
clear answers.
How much do I need for a down payment?
It depends on the loan. Some FHA loans allow as little as 3.5% down, certain conventional programs allow 3%, and eligible VA and USDA borrowers may qualify for zero down. Eligibility and closing costs vary.
Can I qualify if I'm self-employed?
Potentially! Depending on your circumstances, traditional tax-return-based underwriting or alternative options such as bank-statement programs may be available.
Can a seller help pay my closing costs?
Often, yes. Seller contributions are permitted under many mortgage programs, subject to transaction-specific limitations. I can explain the rules for your loan type.
Can a temporary buydown lower my payment?
For an eligible loan, a temporary buydown may subsidize your payments during the initial period. Your permanent note rate and full payment still apply after the subsidy expires. The benefit and funding rules depend on the program.
What if my situation isn't straightforward?
Reach out. We can discuss your income, credit, down payment, goals, and other details to see which programs may be appropriate. No loan approval is guaranteed.
LET'S GET STARTED
Your next move
starts here.
Have a question or want to explore a mortgage option? Send a quick note or contact me directly.
☎CALL OR TEXT(678) 207-9182
↗✉EMAILcombshomeloans@gmail.com
↗Combs Home Loans powered by Summit Lending | Brokerage NMLS #1850081
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