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A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time — and money.

In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time -- and money.
In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

Mortgage Loan Process

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000
Mortgage Loan Programs

Tools and Resources:    

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Tools and Resources:     

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Mortgage Loan Tools

What people are saying…

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Mortgage Advice Column

The Difference Between Pre-Qualification and Pre-Approval


Today, we’ll talk about the difference between getting pre-qualified and pre-approved for a mortgage. There’s a clear difference.




For pre-qualification, a buyer contacts a lender with financial information and the lender bases their decision off these numbers. This model relies heavily on information provided by the buyer directly. No pay stubs, W-2s, credit score report, or similar paperwork are involved for the lender to make this decision. While the buyer may still be honest with the lender, it’s not official.

For pre-approval, documentation is required to make a decision. This is what you really want. A buyer created a relationship with a lender by giving them required paperwork. There’s documentation attached to the information they provide. The lender has the opportunity to discuss a buyer’s work history and any debt to understand the loan. The lender then determines whether or not a buyer could afford a certain mortgage.

There’s a vast difference between the two processes! You’ll want a pre-approval letter over a pre-qualification as a buyer, however, both are helpful. If you’re not submitting paperwork, you are not pre-approved, but instead, only pre-qualified.

If you have any questions about this topic, or if you need mortgage assistance of any kind, please don't hesitate to reach out to us! 770-824-9777

Four Home Buying Tips


Today I’ll tell you the four biggest tips to get started with your home search.



1. Determine your budget: Before you even start looking, you need to know how much you can comfortably afford. Don't waste your time looking at homes that you can't buy - that's a terrible way to disappoint yourself in the end. You can start by checking out our mortgage calculator.

2. Get pre-approved: This relates to tip #1 but it's also a way to boost your standing in the eyes of a home seller. Buyers that are pre-approved are nearly as good as people paying cash. Click here to get pre-qualified now!

3. Differentiate between your wants and needs: What do you really NEED in a home? It might be storage space, or it might be three bedrooms. You may only WANT granite countertops and walk-in closets. Be sure to know what you need versus things that you simply want. I see couples argue about these things all the time, so be on the same page with everyone involved in the transaction.

4. Call me: I'm the best possible person you could talk to when you're looking to buy a home. I will provide you with the best mortgage experience possible!

As always, please don't hesitate to contact me if you have any questions! 770-824-9777

What Do Rising Interest Rates Mean For You?


Today, I'll talk about what you need to know regarding rising interest rates.



While a one percent raise might not seem like much, it can significantly affect both buyers and sellers. For example, let's say you're looking to buy a $200,000 home while rates are at 5%. If rates go up to 6%, you could only afford a $180,000 home. A one percent rise in rates is equivalent to 10% of home value.

Basically, while rates are low, more people can afford to buy your home. Low interest rates make it easier for sellers to sell their homes, and buyers will get lower monthly payments. I advise that you take advantage of these low rates now, as rates will continue to rise for the next few years. They will eventually come back down, but possibly not for a few years.

If you have any questions, please give us a call or send us an email. We'd be happy to help you!
See Older Posts...

National Rate Trends

Mortgage Rate Quote

Stephen Katz on Zillow

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Download my App for Free and you will have instant access to some really helpful tools!

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