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GA Mortgage Refinance in Georgia

We make it easy to get the lowest mortgage refinance interest rate in GA.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, GA residents can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.

When Should I Refinance?

The best time to refinance is when interest rates in Georgia drop below the rate of your current mortgage.  With a lower interest rate, you'll save money on your mortgage payment every month.  Be sure to read our article titled Reasons to Refinance Now.

Turn Your Adjustable Rate into a Fixed Rate

With adjustable rates on the rise GA residents can benefit greatly from refinancing your home for a low fixed rate.  These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.

Cash-Out Refinancing

Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash.  You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt.  How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.

Eliminate PMI

Private Mortgage Insurance is usually required if your downpayment on your home was less than 20 percent.  If your home equity has increased since your purchase, you may have enough equity to elimate that PMI payment by refinancing your mortgage.

Save Thousands in Interest

When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years.  Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan.  However, in the long-term you are saving thousands in interest.  And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.

Mortgage Refinance Calculators

Mortgage Payment Calculator
Refinance Savings Calculator
Refinance APR Calculator
Refinance Points Calculator 

Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis 
Understanding Your Credit
Your Interest Rate

" Traditional banks make their customer fit the loan; at Somerset Mortgage Lenders we make our loan fit the customer. "
Local mortgage refinance directory for GA :
Abbeville Allenhurst Appling Atlanta
Acworth Allentown Arabi Attapulgus
Adairsville Alma Aragon Auburn
Adel Alpharetta Argyle Augusta
Adrian Alston Arlington Austell
Ailey Alto Armuchee Avera
Alamo Ambrose Arnoldsville Avondale Estates
Alapaha Americus Ashburn Axson
Albany Andersonville Athens

Return to our mortgage refinance page

Bad Credit? click here.

Call for COMPLETE details NOW!

(800) 675-9783

Georgia News
OurTown News Now Has Editors in 48 States, a hyper-local website Featuring Local News, Local Views, Local Search and Local Commerce announces that it now has Local Editors located in all of the 48 continental United States.

Cincinnati, OH (PRWEB) July 17, 2008 --,, a hyper-local website focused on local news, local views, local search and local commerce, announced today that it has licensed Local Editors in each of the 48 continental United States.

"OurTown creates a unique national footprint for hyper-local journalism," said George Blake, Chief News Officer. "I'm pleased that journalists across the country are seeing the OurTown opportunity and building sites where they live."

OurTown's Local Editors provide local content to their viewers and create an attractive advertising venue for small- and medium-sized businesses in their hometowns, villages and zip codes. All local advertising revenues go to the Local Editors, who also share in national advertising revenues. As the current base nears 1,000 Local Editors reporting the news in more than 5,000 zip codes, expects to expand its reach to 5,000 local editors across the country by year-end 2008.

Tom Livsey,the Local OurTown Editor for Snellville,Ga. and Stone Mountain,Ga.,is ranked # 3 amoung all the Local Editors in the United States.He is also the Georgia Editor for Topix News.Mr. Livsey joined our team in May 2008,and in less than three months is already at the "Top of the Class" .He brings more than 20 years experience as a Merchant/Investment Banker to the table along with his passion to report the local news about the community in which he lives,is a "Very Valuable Asset" to

Mr.Livsey's local news sites are: and

Local Editors are our 'feet on the street'," says Carol Meinhardt, COO of OurTown Media, LLC. "Who knows better what goes on in a community or what is important to that community than the people who live there and are involved in the community?"

Daryl Rhodes, marketing director for reports that many of OurTown's Local Editors are editors,journalists, teachers, bloggers and small business owners who are deeply involved in their community.

I-CHRIE - "Welcoming a New Era to Hospitality Education" 2008 Conference

Founded in 1946, the International Council on Hotel, Restaurant, and Institutional Education is the global advocate of hospitality and tourism education for schools, colleges, and universities offering programs in hotel and restaurant management, foodservice management and culinary arts.

In recent years, International CHRIE's focus has expanded and its mission statement has evolved, making it a marketplace for facilitating exchanges of information, ideas, research, products and services related to education, training and resource development for the hospitality and tourism industry (food, lodging, recreation and travel services). Serving as the hospitality and tourism education network, we strive to unite educators, industry executives and associations.

All members are invited to join I-CHRIE as we experience "Welcoming a New Era to Hospitality Education"

in Atlanta, Georgia USA from July 30 to August 2, 2008 at the Renaissance Waverly Hotel. The 2008 conference will be filled with informative presentations, the latest in educational research, exciting displays at the I-CHRIE Marketplace Expo and lots of networking opportunities for members and guests to reconnect with industry colleagues. Don't miss out on all the opportunities and excitement, register today!


Come And Pig-Out At City of Kennesaw's 2008 Pigs & Peaches BBQ Festival

There will be plenty to do ,so make it a point to plan a end of summer family outing!

Ben Robertson Community Center, 2753 Watts Drive, Kennesaw, Georgia Friday August 8 from 12:00 p.m. - 11:00 p.m. Saturday, August 9 from 9:00 a.m. - 4:00 p.m.

The City of Kennesaw will host live entertainment; and showcase plenty of barbequed meat and delicious treats during its annual Pigs & Peaches BBQ Festival on Friday & Saturday, August 8-9.

The event features a Kansas City Barbeque Society (KCBS) sanctioned BBQ competition. Judging begins on Saturday at 11:00 a.m., and cash prizes will be offered in four categories: chicken, pork ribs, pork and beef brisket.

A backyard BBQ & peach dessert contest will also take place on Saturday with judging in four categories: chicken, pork ribs, pork and peach desserts.

Select competitors will be selling their smoke-cooked delicacies, so come hungry!

Besides food, there will also be a wide variety of other activities for guests to enjoy. Live entertainment from a number of well-known local and regional musicians will be provided for festival-goers each day.

In addition to scheduled entertainment, a number of vendors, sponsor exhibits and a large Kids Zone featuring inflatables and attractions from the Atlanta Braves, Atlanta Thrashers, Atlanta Hawks and Brunswick U.S. Play will be set up for the amusement of festival visitors.

For more information, contact Laurel Fleming, Special Events Coordinator, at (770) 422-9714 or e-mail
150th Anniversary Celebration, Quitman, Georgia ~ August 2nd

Celebrating 150 yrs with a 5k, Pinewood Derby, Cake Contest, Ball, Festival & more. Come be a part of an exciting festival,to mark Quitman,Ga history.

Bring your family and friends to enjoy a wonderful event in the beautiful city of Quitman,Georgia.

If the thought of celebrating an historic happening,while making new history,is for you.Then by all means make plans to attend.

Events start @ 10 am.

For more information call 229-232-9106
Have Big Fun At Commerce Crossing-Arts & Antique Festival Aug 2-3,2008

There is a treasure to be found for everyone at the Art and Antiques Festival sponsored by HW Properties of Atlanta! Bring your family and friends for a weekend of fun at the Outdoor Art and Antiques Festival, where you can find quality artifacts for sale from numerous vendors.

Located within the largest outlet shopping area in Northeast Georgia, the Outdoor Art and Antiques Festival is hosted at the Commerce Crossing Mall.The Festival takes place the first full weekend of every month from 9am to 6pm on both Saturday and Sunday with the inaugural Festival starting at 9am on Saturday August 2, 2008.
Atlanta Culinary School Hosts Summer Harvest Event-Aug 3,2008

Supports Local Farmers Sustainability Efforts

ATLANTA (July 24,2008) - The Slow Food on Campus Club at Le Cordon Bleu College of Culinary Arts Atlanta (LCB) will host its first "Summer Harvest Event" on August 3, 2008 at the Tucker campus, 1927 Lakeside Parkway, from 10 a.m. until 2:00 p.m. For the most current information about this event, visit our website . The Slow Food Club is a campus convivium of Slow Food USA -- food lovers who want to share good food and who care about how it reaches local plates and palates. The purpose of the August event is to increase awareness of sustainability efforts and to support locally-owned businesses that use local resources and serve primarily local consumers.

The "rain or shine" festival is open and free to the public and will include a local farmers market with celebrity chef demos, including Chef Linton Hopkins from Restaurant Eugene; Chef Kevin Rathbun from Rathbun's, Krog Bar and Rathbun's Steak; Delia Champion from Flying Biscuit, Michael Klein from Emory; Michael Tuohy from Woodfire Grill; Hector Santiago from Pura Vida, and Cathy Conway from Avalon Catering. There will be local bands, BBQ and children's activities. We are also proud to announce sponsorship from Whole Foods Market, Destiny Produce, and Atlanta's Finest Dining Magazine.

About Le Cordon Bleu College of Culinary Arts Atlanta

Le Cordon Bleu College of Culinary Arts Atlanta (LCB Atlanta) offers students one of the most intensive, practical, and comprehensive training programs in the field of culinary arts. LCB Atlanta is an affiliate of Le Cordon Bleu Schools North America network which was established in 2003 to bring the esteemed Le Cordon Bleu Culinary Programs to the Atlanta area.

Its association with Le Cordon Bleu Paris represents a union of some of the finest in European and North American culinary arts training programs available today. LCB Atlanta is a member of the Career Education Corporation (NASDAQ:CECO) network of universities, colleges and schools.

For more information, please visit

For more information about this topic, or to schedule an interview with Amy Ponzoli, please at 770-938-4711 x 3729 or email Chef Ponzoli at


Dolly Downgraded To Tropical Storm - Weather News Story - WSB Atlanta

Before being downgraded to a tropical storm, Dolly barreled into South Texas on Wednesday, lashing the coast with winds up to 100 mph and dumping heavy rain that flooded some low-lying areas but spared levees ...

Air Force Says No One Survived B-52 Crash - News Story - WSB Atlanta

The Air Force said all six crew members aboard a B-52 bomber that crashed Monday off Guam were killed.

Vernon Jones to Hold Press Conference TODAY at 4pm

Vernon Jones, Democratic candidate for U.S. Senate from Georgia, will hold a press conference at his campaign headquarters today, July 23, 2008 at 4:00 p.m. E.D.T. to address Jim Martin's vote against Barack Obama in the February 2008 Presidential Primary Election.

The Vernon Jones for U.S. Senate Campaign Headquarters is located at 3230 Peachtree Road, N.E. , Atlanta , GA 30305 .

About Vernon Jones

Vernon Jones stands firm on military defense, immigration enforcement, public safety and fiscal responsibility. Vernon has a solid record on job creation, investment in infrastructure, renewable energy, balanced budgets, and efficiency and effectiveness of government.

Obama: Constitution stained by 'sin of slavery' - Topix

Sen. Barack Obama said Tuesday he chose to run for president because he believes "we cannot solve the challenges of our time unless we solve them together." Obama said that his belief that all people want to ...

Lilburn Idol Finale--- Friday, July 25, 2008 at 7:00 PM

If the thought of witnessing new talent being born and history being made is appealling to you,then for the sake of humanity,you should bring your family out to see for yourselves how much talent Gwinnett has to offer the world.

Join us for the final round of competition in this year's Lilburn Idol contest. Make sure to bring your low-back chairs, blankets and a picnic supper to enjoy a fun evening with friends, family and neighbors. Audience participation counts for twenty (20) percent of each contestant's score, so make sure you bring quarters to support your favorite contestant!

Rachel Little will make her presence known,once again.

She has been promoting her CD and performing around Atlanta in support of the release.several of her songs explore her experience of being bullied.Titles from her CD "Look In The Mirror" include "It Happens (Sometimes)", "This Is For The Bully", "I'm Done With This" and "Peaceful".

Little has said the teasing started in the second grade and never really stopped. Back then,it was really hard for me to understand why this was happening",Little said."I went into the studio and I felt that I was going to rise above it".

To listen to some of Rachel Little's music visit

Location : Lilburn City Park

City Hall

76 Main Street

Call (770) 921-2210

Vernon Jones for United States Senate

Run-Off Election Just 2 Weeks Away!

Dear Friend,

I thank God for His grace and I thank Georgia voters for their grace.

As I think about how far this campaign has come, I am overwhelmed and humbled by the support of hundreds of thousands of voters in this state. Your faith, your votes, donations, volunteer efforts and your decision to spread the word to your friends and families have brought us to where we are right now.

The next step for our campaign, will be a run-off election on Tuesday, August 5 against Jim Martin. This run-off will determine who will face Saxby Chambliss in November and I hope I can count on your continued support. Over the next two weeks I will be working to let all Georgians know that I stand firm on military defense, immigration enforcement, public safety and fiscal responsibility. I have a solid record on job creation, investment in infrastructure, renewable energy, balanced budgets, and efficiency and effectiveness of government. These are significant areas in which I have a proven track record and my opponent does not.

But, I can't do this alone. I really need you. Here's how you can help:

Send this artcle to everyone in your address book - your friends, family and associates - to help spread my message of Hope and Positive Change for All Georgians and ask them to Vote Vernon Jones for U.S. Senate in the run-off election on Tuesday, August 5. Make a Donation to contribute to the campaign.

Any donation amount you can give would be greatly appreciated. Your donation will be put to good use immediately to further our efforts to get the word out about this historic campaign.

Join our Email List

Make a Donation $250, $100, $50, $25 or $15 to (

From the bottom of my heart, I thank you.

Vernon Jones


Georgia Gas Prices Remain Above $4.00

Gasoline prices across Georgia remain above the $4.00 mark. Monday's statewide average for regular unleaded is $4.03, according to AAA and the Oil Price Information Service.

Ga. approves land buy for joint port with S.C.

The Georgia Ports Authority board voted Monday to move ahead with plans to develop a new port terminal on the Savannah River to be owned jointly with South Carolina.

Late legal hassle confuses a vote

I want fair, simple, reliable elections. Don't you? Everyone who is eligible to vote should be able to vote.

GBI Director Named Georgia's Police Chief Of Year

The Georgia Association of Chiefs of Police named Vernon Keenan, director of the Georgia Bureau of Investigation, its Police Chief of the Year for 2008 on Tuesday.

Nocturnal coyote might be your next-door neighbor

Dan Eaton has trapped coyotes in some unlikely places. ``We've even caught them in downtown Atlanta,'' he said.

'Dawg Night' attracts 86 prospects to UGA

Georgia coach Mark Richt welcomed 86 high school players for "Dawg Night" prospect camp on Friday evening.

High End Home Decor and Furnishing Corporation Open For Buyers Business
The International Design Collection, located in Norcross, GA is proud to announce that we have made it through the first eight months of our "rebirth" and are looking forward to meeting each of you. IDC began operations in the early '80's but was forced to close in 2003 due to illness. New owners, Donna McLane and Robin Merritt, have reopened the company and have continued the traditions you are familiar with while adding a few touches of their own.

They are searching the globe for more of the extraordinary luxuries you have come to expect and will continue many of the exquisite designs for which The International Design Collection is known. We think you will like the blend of past and present.

Please take a moment to look at our website, http://
Funeral Services Set for Georgia Soldier

Funeral services for a Georgia soldier killed in Afghanistan will be held Sunday in Snellville.

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