Loan Options

Security & Peace Of Mind

Looking for your dream home is an exciting time. Fluctuating interest rates can cause uncertainty while you are searching for your new home. With GMM’s Lock & Shop + Safe Rate Protection you can be sure your interest rate is locked AND if interest rates decrease, you can negotiate a lower rate.

Lock & Shop

Instead of locking in your interest rate after you’ve chosen your home, Lock & Shop allows you to determine your interest rate first and lock it in for 90 days, then go shop for your home.1

  • Peace of Mind
    By locking in a rate before you search for a home, you can be assured your rate won’t change.
  • Homebuyers Advantage
    Gain the advantage in a competitive market by knowing exactly what you can afford when submitting an offer to purchase.
  • Potentially Save Money
    Even a small interest rate increase could cause a possible budget problem, now you can be confident about what your payment will be up front.
  • Shop with ConfidenceBy knowing your exact budget, you can make an offer on your dream home without worrying about fluctuating interest rates.

Safe Rate Protection

Safe Rate Protection is an interest rate negotiation option available on some of our mortgage programs. It protects your interest rate and provides the option to potentially lower your rate should rates drop within a specified time and for a certain percentage.

  • Feel Confident
    After you’ve locked your interest rate, have the security of knowing that if interest rates fall, you can potentially negotiate to a lower rate during the lock period.  
  • Protection
    Since your interest rate is locked-in your rate will not increase.
  • Skip the Fee
    GMM does not charge additional fees for a one-time interest rate renegotiation as most lenders do.
  • Less Stress
    Interest rates can be unpredictable, Safe Rate Protection takes that stress off the table.
Contact us to get a complimentary mortgage consultation and get started on your path to home ownership today!
1. Valid property address must be established within 45 days of lock date. This is not a pre-qualification. 2. Once valid property has been established, applicants may negotiate a lower interest rate one time at least 10 days prior to settlement if rates improve by at least .25%. Additional terms, limitations and conditions may apply.
Get Started on Your Journey Home
Knowledge Base

Why Slowing Home Price Appreciation Is Good For Buyers And Sellers

Many forecasters are calling for slower home price appreciation (HPA) and that is a very good thing. As Core Logic reported recently, home prices rose …

Home Inspections

Home inspections give you the opportunity to have the home thoroughly examined by a professional before you spend any money to purchase it. Paying for …

10 Homebuying Terms Everyone Should Know

Buying a home is exciting, but it’s easy to get overwhelmed if you’re not familiar with the homebuying vocabulary. One of the best things you …

What Is Commonly Negotiated When Buying A Home?

With homebuying, everything is negotiable, from repairs and closing costs to furniture and appliances. Offers and counteroffers can negotiate on a mix of these factors. …

7 Ways to Stand Out as a Potential Homebuyer

7 Ways to Stand Out as a Potential Homebuyer

With rates near all-time lows, the housing market is buzzing with potential buyers! Low rates mean more affordable payments or more home for your money, …

Virginia Housing Update

Virginia Housing (formerly referred to as VHDA) offers affordable loan programs for Virginians. With the update of Income and Sales Prices in addition to an …

5 Tips for Making an Offer on a Home

In today’s market, it’s important to make a competitive offer once you’ve found the right home. You’ll want to stand out from other interested buyers and …

Get Your Cash Back

Paying cash for a home has benefits. Take advantage of being a cash buyer to give the seller confidence the transaction will close quickly and …

The Lowdown on Down Payments & Mortgage Insurance

The Lowdown on Down Payments & Mortgage Insurance

The 20% Down Payment Myth Many first time home buyers believe they must put 20 percent down on a home. But that is far from …

9 Tips for Purchasing Your First Home

9 Tips for Purchasing Your First Home

Beginning the home buying process can be a very exciting, yet nerve-wracking experience for anyone starting off. These tips will help answer some questions to …


A Robust Housing Market For Years To Come

Two questions continue to be asked of me. The first is, should I worry about rising prices and wait for the market to slow? The …

Homebuyer Options

Homebuyer Options

Low Down Payment Programs & Grants George Mason Mortgage has the program options to fit your story and our experienced mortgage professionals will help find …

Moving Checklist

Moving Checklist

Take the stress out of moving with this checklist. Here is a list of essential tasks as well as the ideal times to conduct them. …

Your Journey Home

Knowing the path will travel together helps the journey go more smoothly. We have outlined some important highlights so you know what to expect along …

Homebuyer Tips

Our goal is to make your home buying experience as smooth as possible. We have highlighted some best practices to help keep your finances in …

Getting Started

Whether you are buying your first home, right-sizing now that the kids are gone, navigating the jumbo luxury market, renovating your home, or working with …

Choosing The Right Down Payment

A down payment is the amount you pay toward the home yourself. You put a percentage of the home’s value down and borrow the rest …

Built Just For You

NEW CONSTRUCTION, CUSTOM HOME & RENOVATION HOME LOANS Our extensive knowledge of the new construction and renovation loan market allows us to offer a wide …

Finding The Right Mortgage

There are many different types of home loans available. The one that’s best for you will depend on your personal financial situation and homeownership goals. …

Know Your Credit Score

When applying for a mortgage loan, your credit score will be one of the key factors in whether you’re approved and it will help determine …

Refinance & Renovate

Refinance & Renovate

If you are having a difficult time finding a new home with limited inventory in today’s market, have you considered renovating your current home? We …

Tips for Saving for a Down Payment

6 Tips for Saving For Your Down Payment

Before you can make the transition from renting your home to owning your home, you will need to have a down payment, typically 3 to …

Credit Tip for Homebuyers

Credit Tips for First Time Homebuyers

When applying for a mortgage loan, your credit will be one of the key factors in whether you’re approved, and it will help determine your …

Homebuyer Tips

Homebuyer Tips

Our goal is to make your home buying experience as seamless as possible. We have highlighted some key guidelines to help keep your finances in …

Scroll to Top