VA loans
For eligible veterans, active-duty service members and surviving spouses. VA loans can let you buy with no down payment and no monthly mortgage insurance.
For those who served
Mortgage broker in Atlanta, Georgia
The right mortgage, explained clearly.
Awash Mortgage helps Atlanta home buyers find the loan that fits, from VA and FHA to bank statement, reverse mortgage, non-QM and foreign national programs. You get a broker with more than 20 years in mortgage lending, and your first consultation is free.VA, FHA, bank statement, reverse mortgage and non-QM loans, from a broker with 20+ years in mortgage lending.
20+years in lending
$0consultation
አማርኛ& English
- Free consultation
- English & Amharic
- Licensed, NMLS #2602236
- 20+ years experience
Meet your broker
Mulatu Semu
Licensed loan originator,
MLO #717808
More than 20 years as a loan officer, the last 5 as a mortgage broker. Mulatu works with the best-known lenders in the country, and you always talk to him directly, in English or Amharic.
Experience20+ years
LanguagesEnglish, አማርኛ
CompanyNMLS #2602236
Loan originatorMLO #717808
- Obtain VA loans
- Secure FHA loans
- 30-year fixed & variable rate
- Bank statement loans
- Reverse mortgage
- Non-QM & foreign loans
- Down-payment assistance
Loan options
Loans that fit your needs
Buying, refinancing or tapping your equity, every situation is different. We start with yours, then match you to the program that makes the most sense.
FHA loans
Government-backed loans with a low down payment and more flexible credit guidelines. A common, practical starting point for many buyers.
Low down paymentFixed and variable rate
A 30-year fixed rate keeps your principal and interest payment the same for the life of the loan. A variable rate often starts lower and adjusts on a set schedule.
Choose your payment styleBank statement loans
Self-employed or a business owner? Qualify using your bank statements instead of tax returns, so your real income counts.
Self-employed friendlyReverse mortgage
For homeowners 62 and older. Turn part of your home equity into cash with no monthly mortgage payment, while you keep living in your home.
Homeowners 62+Non-QM loans
Flexible programs for borrowers who fall outside standard lending rules, such as investors or buyers with a less traditional income or credit history.
Flexible guidelinesForeign national loans
Options for buyers who are new to the U.S. or do not have a U.S. credit history yet, so where you come from is not a barrier to owning here.
No U.S. credit historyDown-payment assistance
State and local programs can help cover your down payment or closing costs. We help you find the ones you may qualify for.
Help with upfront costsNot sure which one fits? Call (404) 642-7775 and we will help you choose.
First-time buyers
Buying your first home? Start here.
The first purchase comes with the most questions. We answer all of them in plain language, so you go into every step knowing what comes next.
- Know what you can afford before you tour homes
- Find down-payment help you may qualify for
- Get pre-approved so sellers take you seriously
- See every cost well before closing day
How it works
From first call to keys in hand
A simple, guided process. You always know where your loan stands and who to call.
1
Free consultation
Tell us about your goals, income and timeline. No cost and no obligation.
2
Get pre-approved
We review your documents and get you a pre-approval to shop with confidence.
3
Compare and choose
We shop lenders on your behalf and walk you through each option side by side.
4
Close on your home
We stay with you through underwriting and closing, until the keys are yours.
20+ yearsas a loan officer, the last 5 as a mortgage broker.
Why a broker
We work for you, not for one bank.
A bank can only offer its own loans. As a broker, Awash Mortgage works with the best-known lenders in the country to find terms that suit you.
The best-known lenders
Programs and pricing from top national lenders, compared for you in one place.
One person from start to finish
You work directly with Mulatu, not a call center or a different rep every week.
Straight answers
Clear explanations of rates, fees and timelines, so there are no surprises at the closing table.
Questions
Good questions to ask before you buy
Don't see yours? Call or text. That is exactly what the free consultation is for.
What does a mortgage broker do?
A broker works between you and the lenders. Instead of applying bank by bank, you work with one person who compares loan programs and pricing from several lenders, helps you choose, and manages the loan through closing.
Does the consultation cost anything?
No. Your first consultation is free and there is no obligation. It is a conversation about your goals, your budget and the options available to you.
How much do I need for a down payment?
It depends on the loan. VA loans can require no down payment, FHA loans allow a low down payment, and down-payment assistance programs may help cover part of what you need. We will walk you through the numbers for your situation.
Can I get a mortgage if I'm self-employed?
Yes. A bank statement loan lets you qualify using your bank statements instead of tax returns, and other non-QM programs are built for income that does not fit a standard W-2 picture.
Do you offer reverse mortgages?
Yes. Reverse mortgages are for homeowners 62 and older and let you turn part of your home equity into cash without a monthly mortgage payment. You stay responsible for property taxes, insurance and upkeep. Mulatu will walk you through whether it makes sense for you.
I don't have U.S. credit history. Can I still buy?
There are loan programs built for foreign nationals and buyers who are new to the U.S. credit system. Call to talk through what documentation you have and which options fit.
What should I have ready for the first call?
Nothing formal. A rough idea of your income, monthly debts, savings and the price range you have in mind is plenty to start. We will tell you exactly which documents to gather next.
Get started
Get a free consultation
Call or text in English or Amharic. Mulatu answers personally.
404-642-7775
Text (404) 642-7775 anytime
awashmortgagellc@gmail.com
Based in Atlanta, Georgia
NMLS #2602236 | MLO #717808
Mulatu SemuAnswers every call and text personally