I'll be with you from the application right through to the loan approval to the closing table and when you get ready to buy your 2nd and 3rd home. My relationship with you has just begun. Metro Atlanta, Georgia Mortgage Broker serving all interested Home Buyers, nationwide. Check our Service Map for coverage outside of Georgia.

I'm versed in all of the areas you should and will become knowledgeable in to find your home.

Stop surfing and pick up that phone and call me!

Let's take step "One". Get Pre- Qualified.

Have you read "When to get Qualified" if not go there now. Welcome back, now that you know and have been Pre - Qualified. It's important to address any and all lines of credit accounts that will not give you the highest possible credit score. Do you want the best mortgage with the best rate or just the opposite . . . . No Brainer. Call me today . . .

Let's recap:

1. We've reviewed and updated your credit history and fico scores using the "CREDIT SCORE WIZARD".
2. We've combined your Income(s) and current monthly debt and examined a "Total Cost" Mortgage Analysis to compare different loan types.
3. We've decided on three things the: "Best Loan Amount" and the "Best Loan" and created the "Best Purchase Scenario" (making an offer).
4. We've discussed: Selecting the Right Home for You, Home Warranties, Home Inspections, the Appraisal Process and the Closing Process, Duties of a Real Estate Agent.

Let's take step "Two". Getting Pre-Approved.

Have your read "The Loan Process & Loan Application" if not go there now. Welcome back, let's take your application. Go to "Loan Application" and we'll process your information and keep you updated on your status. You may always login at the "Customer Login" to see your loan status and updates in real time. After getting your approval we will issue a "Approval Letter" to certify your ability to buy your "Dream Home". 

Let's take step "Three". Shopping for your Home.

You will see Media Advertising from . . . 

Builders and Realtors attempting to guide you into their controlled environment promising you Gift Coupons, Cash Rebates or Discounts, Appliances, Furniture, "No Closing Cost" or a set dollar amount and the like. Let's be real, all of these items have been factored into the price of "Their Home". "They" want you to believe the only way to get these items is to "Give up your decision making ability" and use their "Preferred Lender". If you stick to your "Guns" (remember you are a "Approved Buyer") and firmly chose to use "Your Lending Agent" the Seller, Builder and Realtor will recognize your determination to control the purchase of your home and they will make the concessions you want. It's better for them to concede than to let a "Qualified Buyer" leave to buy some where else. 

1st Time Home Buyer Programs:

1. Affordable Housing Programs: 100% - 97% - 95%: only $500 investment from you. 
2. FHA - VA: "0" Down Payment (Gift Funds), Buy-Down Options and Low Interest Arms. 
3. 100% Financing: Combo & Single Loans, Fico's as low as 560 with Interest Only Options.
4. Interest Only: (Fixed Rates & Adjustable Arms), Fico's as low as 540
5. Challenged Credit & Bankruptcy: Fico's as low as 500, let smart options to improve your credit standings.
6. 100% Stated Income Loans for self-employed and W-2 buyers.  

• Call for a list of Free Report for 1st Time Home Buyers:
  • How to Buy Your First Home the Easy Way! Avoid 10 Common Potentially Devasting Mistakes First Time home Buyers Make.
  • How to Stop Paying Rent Forever and Own a Home of Your Own !!