Qualification criteria can vary, and each situation is different. Your loan originator will guide you through the process, ask some questions to understand your situation, and then provide you with the best options available.

The amount you can borrow depends on several factors, including your income, existing debts, and the type of mortgage you are applying for.

You can start the pre-approval process here. It’s fast and easy. Once you answer the pre-approval questions, we will review everything and give you a follow-up call to discuss options.

 Closing costs are fees associated with your home loan and real estate transaction. We will provide you with a fee sheet that clearly and transparently breaks down all the costs associated with your mortgage.

Yes, several mortgage programs require a low down payment. For example, FHA loans can require as little as 3.5% down, while some conventional loans offer options with down payments as low as 3%. You may also qualify for down payment assistance or other low or zero down payment options.

The time it takes to close on a mortgage can vary, but generally, it takes less than 30 days from application to closing in a typical transaction.

• We will explore all options before declining an application. However, if your application is denied, we will provide a reason, and you can take steps to address the issue, whether it’s improving your credit, reducing your debt, or saving for a larger down payment.

You can lock in your rate once you have a contract on a home and a closing date is set. For a refinance, you can lock in your rate on the same day or whenever you are ready. 

Yes, we will do credit before issuing a mortgage. However, you can have a conversation with a loan specialist and start the pre-approval process before we pull your credit. The credit score is only one factor, and the required scores vary depending on the mortgage program. Generally speaking, most programs prefer a credit score over 600.

Yes, we do offer loans for self-employed individuals. Most self-employed borrowers need to provide two years of tax returns. We also offer a bank statement program.

We are located in McDonough, Georgia. Our address is 380 Keys Ferry St, McDonough, GA 30253.

Our phone number is 678-288-HOME.

1. Fill out this short form to start the pre-approval process. 
2. Call us at 678-288-HOME to speak to a licensed loan originator. 
3. Schedule a call for us to call you back at this link.