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Hot Product Updates

Home Purchase Products

Low Down Payment?

VA Home Loans with "Zero Down"
USDA Home Loans with "Zero Down"
FHA loans with only 3.5% down!!
Investor Purchases up to 80% LTV

Credit Issues?

FHA Loans down to a 560 credit score
(with 10% down payment)
VA Loans down to a 560 credit score
4 Years from a Foreclosure?... No Problem
2 Years from a Bankruptcy?... No Problem
Less than 4 Years from a Foreclosure?
Contact Us to learn more about your options.

Home Refinance Products

Refinancing your Home?

Cash Out up to 80% of the value of your home
Refinance your mortgage up to 97.75% of the value of your home
FHA Streamline refinance and VA" IRRRL's" with "No Income Verification"

Non-QM (Qualified Mortgage) Products

Bank Statement loans
- Download the PDF
Investor DSCR (Debt Service) loans
- Download the PDF

Home Improvement Products

Home Improvement is what you need?

Borrow up to 110% of the "After Value" of your home... Refinance or Purchase!!
Purchasing? Home financing and renovation costs with one low down payment
Programs that allow up to 6 months to complete the work
Escrow up to 6 months of mortgage payments

Call Today
to get more details of the loan products listed above

Meet the Team

Robert Bain Ayres

Founder and President

Melissa K. Ayres

Pamela A. Deese

Sr. Loan Officer

Realtor / Mortgage Loan Originator

Tavaris Arrington

Realtor / Mortgage Loan Originator

Robert "Trey" Ayres III

Mortgage Loan Originator

Mortgage Loan Originator

Mortgage Loan Originator

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Testimonials - From Our Clients


Outstanding Service!	Michael & Tammy Cave Springs, GA Borrower Posted: 2013-10-01
Everything was wonderful	Dennis & Kelly Ball Ground, GA Borrower Posted: 2013-10-04
We have had a lot of loans- This one was the best. Very Courteous & efficient!	Edward & Doris Aragon, GA Borrower Posted: 2013-10-05
We were very satisfied & appreciative of the services provided to us.	Carlos Cartersville, GA Borrower Posted: 2012-10-06
The service was Great! Would consider using again in the future.	Thomas Calhoun, GA Borrower Posted: 2014-01-01
Very good job	Roy Rome, GA Borrower Posted: 2014-01-01
The services are good, this was my second time around. People just need to know you can get lower payments at Cedar Mill Mortgage, the right place to call.	Geraldine Adairsville, GA Borrower Posted: 2014-01-01
If we ever have any need for a loan, we will defiantly contact Cedar Mill Mortgage. Thanks so much.	Richard & Patsy Ball Ground, GA Borrower Posted: 2014-01-01
Dear Bain, We can’t thank you enough for all your time, patience, & hard work to finally help us get into our new home after the long 10 year search, of which I believe you helped with questions over the last 3 years or so. Cedar Mill, & you, will be highly recommended to those I know who need your service. Many Thanks,	Charles and Kim Jasper, GA Borrower Posted: 2014-01-02
Bain made my first-time home buying experience very smooth, easy and memorable.	Rhonda Cedartown, GA Borrower Posted: 2014-01-02
I was very pleased with Bain Ayres Jr. and would use him again if needed. Also I would recommend him to anyone interested in a loan. He was always very nice & polite and I felt very comfortable talking with him. Thanks again very much Bain.	Terri & Greg Cedartown, GA Borrower Posted: 2014-01-02
Dear Pam, Thank you so much for helping us with our loan. We were truly a pain in the behind! We are singing your praises & hopefully can send some folks your way. Take care and thanks again for everything.	David and Debra Woodstock, GA Borrower Posted: 2014-01-03
Pam, Thank you for Everything! Your the Best!	Ron Canton, GA Borrower Posted: 2014-01-03
Pam, You helped me immensely in the process of buying my first home back in March and I couldn't have done it without you. You were such a pleasure to work with and I will definitely recommend you. I hope you have a Merry Christmas!!	Ashley Kennesaw, GA Borrower Posted: 2014-01-03