Business Details
38 Years
experience
Your Trusted Mortgage Broker in Athens, GA
Athens Mortgage has served Georgia residents since 1988, founded by William A. Jones Jr. after his 20-year U.S. Air Force career. Our family-owned business prioritizes competitive rates, low closing costs, and personalized service. With Jonathan Jones leading since 2000, we combine decades of local expertise with a commitment to transparent, hassle-free mortgage solutions. Our team specializes in fixed-rate mortgages while offering diverse loan options tailored to individual needs. We distinguish ourselves through community ties, customer education, and a proven track record of adapting to market changes while maintaining ethical standards. 
Services
Fixed-Rate Mortgages
Adjustable-Rate Mortgages
Conventional Mortgages
FHA/VA Loans
Refinance Loans
Details
- Year established: 1988
Highlights and features
- We've provided mortgage solutions since 1988 with deep local market knowledge
- Our family-owned business offers personalized service unlike large institutions
- We guarantee competitive rates and transparent closing cost breakdowns
- Our team educates clients throughout the entire loan process
- We maintain Georgia's oldest active mortgage brokerage license (5643)
Services
Fixed-Rate Mortgages
Our fixed-rate mortgages offer consistent payments with locked-in interest rates for 15 or 30-year terms. This predictable solution protects against market fluctuations while building home equity. Ideal for long-term homeowners seeking financial stability.
Adjustable-Rate Mortgages
ARMs provide lower initial rates for borrowers planning shorter ownership periods. We clearly explain adjustment periods and rate caps to help clients save on interest during their occupancy timeframe.
FHA/VA Loans
We facilitate FHA loans for first-time buyers and VA loans for veterans with reduced down payment requirements. Our experts guide clients through eligibility criteria and documentation needs for these specialized programs.
Refinance Loans
Our refinance options help homeowners lower rates, reduce payments, or access equity. We analyze break-even points and closing costs to determine if refinancing makes financial sense for each client.
Conventional Mortgages
We offer conforming and jumbo conventional loans for qualified borrowers with strong credit profiles. These market-rate solutions work for primary residences, investment properties, and second homes.
People
William A. Jones Jr.
Founder
Retired U.S. Air Force officer with 20 years service who established Athens Mortgage in 1988. Pioneered community-focused mortgage services before retiring in 2000.
Jonathan Jones
President
Licensed since 1996 with Valdosta State business degree. Succeeded his father in 2000, maintaining family values while modernizing loan processes. Holds NMLS #169435.
Questions
What mortgage services do you offer?
We specialize in fixed-rate, adjustable-rate, FHA/VA, conventional, and refinance loans across Georgia. We don't offer USDA loans or derogatory credit programs.
How are you different from big banks?
As local brokers, we combine personalized service with access to multiple lenders. We explain all options and fees in plain language without corporate bureaucracy.
How quickly can you process a loan?
With complete documentation, we often close within 30 days. Our local decision-making and streamlined processes help accelerate approvals compared to larger institutions.
Do you offer pre-qualification?
Yes, we provide phone or online pre-qualification in minutes. For stronger offers, we recommend full pre-approval with verified documentation.
What areas do you serve?
We operate statewide with special focus on Athens, Watkinsville, Bogart, Bishop, and Winterville. Our Georgia license (5643) covers all 159 counties.
