About Southern Capital Mortgage Group
Southern Capital Mortgage Group, led by Principal Greg Spencer, operates as a dedicated mortgage broker based in Cumming, GA. The company prides itself on offering a comprehensive suite of home financing solutions, guiding clients through the complexities of the mortgage process with transparency and a client-first approach. They specialize in connecting borrowers with optimal loan solutions, emphasizing personalized service over just competitive rates.
SCMG caters to a diverse clientele, including first-time homebuyers, those seeking refinancing or cash-out options, and specialized borrowers such as the self-employed or those new to the United States. Their expertise spans across conventional, FHA, VA, USDA, Jumbo, and non-conforming loans, alongside options for home renovations and reverse mortgages, ensuring a wide array of needs are met.
Leveraging over 20 years of experience, Greg Spencer and his team are known for their efficiency and trustworthiness, as evidenced by consistent 5-star client reviews. Southern Capital Mortgage Group aims to simplify the lending experience, helping clients quickly secure pre-approvals and reach the closing table with confidence and clear understanding of their financial commitments.
SCMG caters to a diverse clientele, including first-time homebuyers, those seeking refinancing or cash-out options, and specialized borrowers such as the self-employed or those new to the United States. Their expertise spans across conventional, FHA, VA, USDA, Jumbo, and non-conforming loans, alongside options for home renovations and reverse mortgages, ensuring a wide array of needs are met.
Leveraging over 20 years of experience, Greg Spencer and his team are known for their efficiency and trustworthiness, as evidenced by consistent 5-star client reviews. Southern Capital Mortgage Group aims to simplify the lending experience, helping clients quickly secure pre-approvals and reach the closing table with confidence and clear understanding of their financial commitments.
Company Information
Lender Type: Mortgage Broker
Headquarters: Cumming, GA
Licensed In
GAFL
Digital Capabilities
Online Application
Rate Calculator
Pre-Qualification Tool
Home Loan Products
Conventional Fixed & ARM Mortgage
Loan Types:
Conventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
10 years15 years20 years30 years
Non-Conforming & Jumbo Mortgage
Loan Types:
Non-QMJumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Fair (620-679)Poor (580-619)
20%
Min Down Payment
FHA Loan Programs
Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Special Programs:
FHA 203kRenovation Loan
VA Home Loan Program
Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Special Programs:
Veteran Program
USDA Home Loan Program
Loan Types:
USDA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Refinance & Debt Consolidation Loans
Loan Types:
RefinanceCash-Out RefinanceHome Equity LoanSecond Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Reverse Mortgage Loans
Loan Types:
Reverse Mortgage
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
Full Documentation
Self-Employed Mortgage Program
Loan Types:
ConventionalNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Full DocumentationBank Statement
Special Programs:
Self-Employed Program
New to United States Home Loan
Loan Types:
ConventionalNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Income Verification:
Full Documentation
Special Programs:
Foreign National ProgramNon-Resident Alien Program
Balloon Mortgage
Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Available Terms:
5 years7 years
Contact Information
5971 Pkwy N Blvd
Cumming, GA 30040
US
Mailing Address:
7015 Jennys Ct. Cumming, GA 30040
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Business Information
Category: Mortgage Lender
Location: Cumming, GA
Status: Standard
Type: Mortgage Broker
NMLS ID: 148073
Profile Views: 0
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