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What our clients say about us!

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  • N
    Nan T 
    Atlanta - Georgia
    Posted on November 7th, 2024 10:52 AM
    5.0
    for
    Michael O'Nan
    write_review
    Michael was very patient with this transaction as our loan process spanned 3 months, answering all my questions and complaints while navigating the fed rate fluctuation in order for me to get the best possible rate and best monthly payment option. Th... read more
    Reply from
    Michael O'Nan
    November 7th, 2024 01:41 PM
    Hi Nan! I'm delighted to hear about your positive experience. Thank you for your kind words and the splendid 5-star rating!
  • K
    Karyn S 
    Atlanta - Ga
    Posted on September 26th, 2024 03:02 PM
    5.0
    for
    Michael O'Nan
    write_review
    Michael O’Nan did a great job getting my mortgage pushed through and was super helpful answering all the questions that I had during the process. Would definitely recommend!
    Reply from
    Michael O'Nan
    October 30th, 2024 04:01 PM
    I'm truly pleased to hear that you had a positive experience, Karyn. It was a pleasure assisting you with your mortgage. Your recommendation means a lot to me. Should you have any further questions in the future, don't hesitate to...read more
  • S
    Shayla L K 
    Atlanta - GA
    Posted on March 30th, 2024 11:17 AM
    5.0
    for
    Michael O'Nan
    Persona migrate verified
    Thanks for your excellent support through this challenging home build! Your advice was very helpful.
    Reply from
    Michael O'Nan
    October 30th, 2024 04:02 PM
    I'm really glad to hear you found my support helpful, Shayla! Home builds can definitely be a challenge, and I'm happy I was able to provide some advice that made the process smoother for you. I appreciate your kind feedback and 5...read more
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    We understand the mortgage and refinance process can be stressful. That's why we're here as your partners to finance the home of your dreams with full transparency and clarity

    Get Answers to All your Mortgage Questions?

    Committed to giving you all the support and guidance you need.

    A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

    Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

    On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

    Refinancing is typically a smart move when mortgage rates are at least .375% lower than your current loan rate. Even a small reduction can lower your monthly payments. For example, on a $100,000 loan at 8.5%, your payment (excluding taxes and insurance) would be around $770. If the rate drops to 7.5%, your payment could drop to $700—saving you $70 a month. Your savings will vary depending on your income, budget, loan amount, and changes in interest rates. A trusted mortgage professional can help you calculate the best options for your situation.  

    An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

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