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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

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Mortgage Advice Column

3 Ways Parents Can Help Buy a House for their Kids



Increasing mortgage rates and housing prices may make it tough for your kids to own a home. However, families appear to be helping the younger buyers purchase a home. Before you lend a hand, here are three ways parents can help make it more affordable for first time buyers to purchase a home.

Gift the Down payment Money

When you give money to your child’s down payment, it classified as either a loan or a gift. With a gift, there’s no contract or ongoing commitments.

Your child’s mortgage lender will need proof showing that the money is a gift, not a loan. You will need a gift letter, where you state don’t plan on asking for the money return. Your child’s mortgage lender may also ask for a paper trail verifying where the money came from.

When it comes to taxes, it can be transferred tax-free up to a certain limit. You can give up to $15,000 without filing the gift-tax return.

Buy the house and rent it out to your child

If you can afford buying a second home, you have the option to rent out to your child. This might be a good option if your child can’t qualify for a mortgage. When buying a second home, there’s generally deductions available for property taxes, mortgage interest, repairs, maintenance, and structural improvements. So, what’s the catch? Your kids must pay you rent to be qualify for these tax deductions. So, make sure they aren’t living in the house for free.

Buy and co-own the house

This arrangement is a good opportunity, however, not all mortgage lenders offer homes loans for shared ownership. When shopping around, you would want to double check this financing option.
Co-borrowing helps borrowers overcome a limited credit history. But remember, you would want to keep in mind that the parent’s credit could be affected, making it harder to finance another big purchase later.

If you want a full team of Mortgage Professionals to help you with your decision on what is the best loan option for you, we’re happy to help! Please don’t hesitate to reach out to us at 770-552-1000. We look forward to hearing from you!

Millennials Know What They Want



There have been a lot of myths floating around about millennials not being interested in home purchases. Maybe you’ve heard that they still live with their parents due to student loan debt, don’t have a 20% down payment or they have no interest in settling down.


In reality, more Millennial homebuyers are taking advantage of purchasing a home rather than waiting to purchase a home based on big life events. Millennials are changing the real estate market because they aren’t waiting for marriage or starting a family to buy a home. In fact, Millennials have been watching their rent go up over time and at some point, they realize it might make sense for them to buy instead of signing another lease.


Buying a home is a serious decision that can be stressful. However, Millennials are now buying more homes than ever. They are buying homes on their own terms, within their own budgets. They aren’t afraid to purchase a home. They are willing to travel and relocate for a secure job, safe neighborhood, and their desired lifestyle.


They see the value in homeownership and preparing financially. The internet and smartphones have empowered millennials to do their own research. While most millennials are moving from a rental or out of the family home, they have the time to narrow down their search for a home that they could afford. Millennials aren’t waiting. They are actively seeking homeownership since they’re powering today’s housing market.


If you are one of the many Millennials who are ready to buy a home, we have a full team of Mortgage Professionals to help you decide on what is the best loan option for you! Please don’t hesitate to reach out to us at 770-552-1000. We look forward to hearing from you!


3 Huge House-Hunting Mistakes to avoid at all Costs



It’s that time of the year. Once you get serious about buying a house, it’s time to start house hunting. But before you dedicate your weekend to visiting every open house, you need to know what you’re looking for. Otherwise, the process of shopping for your dream home could get pretty over-whelming!

Here are 3 huge house-hunting mistakes first-time house hunters often make when looking for a home.

House hunting without an agent

Without an agent, you will be flipping through photos of possible homes, researching local trends, market values, and other important information on your own. All of which can be confusing. 

An agent will dive through online databases and other sites to walk you through the information. They will be able to give you some insight about the neighborhoods you’re looking at. They will also help you avoid costly negotiating mistakes when it comes time to make an offer.

Not knowing what you want but expecting perfection.

It’s important to sort out your priorities and make a list before you start shopping for a home. Not every house is the same, after all there are many different types of properties to look at.

Looking for the perfect sized home in a perfect neighborhood with a perfect open kitchen and the best schools, at an affordable price range… it all seems too unrealistic. With such high expectations, you’ll have a hard time searching for the right home. It’s rare to get everything you want on your list, but two out of three isn’t so bad.

Focus on what’s most important for you.

Ignoring the neighborhood

When looking for your dream home, you want to make sure you have some time to tour the neighborhood as well. A bad neighborhood isn’t always obvious, but a little digging is worth it to find out if this is the house for you. Keep an eye out for a lack of parking, take notice of the homes around the area, find out info on your local schools. Are there more than a few homes on the market or empty in the area? This could be a red flag.

You also want to be able to check for local shops, public transportation, or restaurants if those conveniences are important to you.


If you’re ready to make a move, why not learn all about mortgage loans for first time buyers! We’re happy to help you make the best decision. Please don’t hesitate to reach out to us, we look forward to hearing from you! 
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