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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…

Reviews on Zillow
LR-QTZSZVB
"Excellent service, very responsible. Great team, always. Very attentive and very diligent. Smooth process. You don't waste time, all documents are electronic and easy process."
5.0/5.0
by Jose Cornier
"We needed a fast loan commitment and could not afford any delays because our seller was very difficult, and if we couldn’t provide a commitment letter on time..."more
5.0/5.0
by kathi75
"Working with VanDyke is always pleasant and informative. They keep you on the same page and answer any questions you may have. They are very concerned about your..."more
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by KevinJ Brooks
Kudzu Best Of

Mortgage Advice Column

Questions You Should Consider Asking a Real Estate Agent



Are you a first-time home buyer and ready to purchase a home?

Finding the right real estate agent can be a struggle, especially one that meets your needs! So, how do you really know which agent is right for you? 

To help you figure this out, you need to throw a few curveballs by asking them questions. Here are two questions you probably should ask a real estate agent.  

If you were looking to buy a place, where would you move and why?

This question will help you align with the right agent. Having a similar lifestyle can make things easier and help your agent find homes with characteristic’s that might matter to you.

For instance, if you and your agent both have kids. She’ll mention which neighborhoods have the best school and parks to go to. Ultimately, your agent will help you drastically narrow your search results to find something your entire family will be happy with.

You want to find the right agent that can put themselves in your shoes. 

How do you help buyers come to a decision?

By first finding out what the buyers really want and managing their expectations.

A list of all the pros the home should have can only take you so far. Although, this will reduce your search process as you look online, having professional input from a real estate agent is always helpful.

You want to find an agent that will make you feel comfortable, especially an agent that will help you focus on what you really need in a home.

Additionally, why not learn all about mortgage loans for first time buyers while looking for a real estate agent? If you want a full team of mortgage professionals, we’re happy to help you make the best decision.

Please don’t hesitate to reach out to us for more details: 770-552-1000. We look forward to hearing from you!


Should you Buy your Forever Home First?




The best thing about searching for your dream home is finding all the things you want in a home. It’s one thing when you buy a starter home but purchasing a forever home you need to think about what might meet your future needs. Let this sink in and ask yourself, “Do you know where you are in life? And is a starter home or a forever home best for you?”

We’ll help you decide if a forever home is calling your name. Let’s dive into things to consider when you buy your forever home.

A Forever Home
A forever home is generally occupied for much longer periods of time than a starter home. When you start searching for a forever home, a big factor might be the entry into the home. The optimal entry into your forever home is zero-step. Keep in mind, if you’re living there the rest of your life you don’t want to walk up numerous steps or hike up a hill just to get in front of the door. 

Also, you may want to consider on how big of a space you want instead of waiting until you really need that extra room.  

Think about it: What if you’re planning a wedding or expecting a child? Might as well skip the starter home to save some trouble and jump right into your forever home.

Tips for Buying a Forever Home
So how much can you afford? It depends, the amount of down payment you have will help you narrow down the price range on your forever home. Try to match your expectation with your budget.

Remember to look beyond your monthly mortgage and take into consideration costs such as utilities, homeowner’s association fees, cable, and internet. Although for someone who has never owned a home before, it does bring a good amount of responsibilities that might take some by surprise.  

If you’re a millennial and ready to purchase your forever home, please don’t hesitate to contact us at 770-552-1000. We look forward to hearing from you! 

Should you Buy your First Starter Home?





There’s so many good reasons to own the roof over your head rather than living under your parent’s roof or renting. For a first-time home buyer, saving for a new home can be one of the challenging and exciting chapters of your lives. But, many wonder what type of home they would like to purchase.

What is considered the right home for a first-time buyer? That depends on the person, it all comes down to what suits their lifestyle and income.

If you’re thinking about getting a starter home, here is some guidance to help you explore entry level housing options. 


The Starter Home

The term starter home is a small home that meets requirements for a first-time buyer with 2 or 3 bedrooms and possibly a garage. It’s something you’d be happy living in for around five years or so.

Whatever type of starter home you get, that home is generally priced at a reasonable price point.

It’s not just your mortgage payment that will be lower, your property taxes will be more manageable. Other expenses that you might not think about like electricity and gas will be less as well.

Everybody at some point in life should start at an entry-level home.


Tips for Buying a Starter Home 

Take time to research homes online to see what’s out there. You should make a list of features and narrow down the location you prefer. It’s good to set expectations and know what you want but remember you might have to compromise when looking for a starter home.

Don’t get carried away with falling in love with your first home, you want to do it based on knowledge and common sense. You especially don’t want to be caught over paying your monthly mortgage once you buy a home.

Not to mention, use a pre-approval letter from a mortgage lender in your area. A pre-approval letter will help eliminate disappointment and make the search for an affordable home easier. 


So, what’s your decision?

In the end, I believe it comes down to personal preference. Owning a home is the best thing that can happen. What is the right choice, for you?

Additionally, why not learn all about mortgage loans for first time buyers while saving for your house? If you want a full team of experts, we’re happy to help you make the best decision.

Please don’t hesitate to reach out to us for more details: 770-552-1000. We look forward to hearing from you!
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