As a licensee in both Georgia and Florida, my company can give you the tools you need to easily understand and compare home financing and refinancing options.

We offer the most comprehensive guarantee in the business (see my site for more details). Our mortgage planning process insures that we select the loan most suitable for your financial situation and to us, you are a lifetime relationship. I will monitor your mortgage over your lifetime to seize opportunites to save you money. Finding a competent guide through the mortgage process that will remain objective is hard to find, I strive to fill that roll to insure that the mortgage you choose aligns with your overall wealth building strategies. 60-70% of our business is a combination of past clients or their direct referrals and 10-20% of our business is from strategic alliances with Financial Planners, CPA's, and Real Estates agents. This didn't happen by accident, it is an example of the trust we have developed with our clients and partners.

Whether you are a first time home buyer, move up buyer, relocating to Atlanta or refinancing a current mortgage, I strive to provide a smooth transaction using the most up to date technology available today. My team has instituted a stress free application process that allows the borrower to complete the paperwork in the comfort of their own home. We make an effort to collect all of the necessary information for underwriting at the time of application, reducing the time and stress of the loan process. I am linked with a service that provides "real time" interest rates so I know which direction rates are moving minute by minute and can use this information to recommend whether to "float or lock" your rate at any particular time.

In addition, we provide a unique "certified home buyer" process. This process goes beyond the traditional pre-approval process and is the strongest approval a potential homebuyer can obtain. The difference between this approval and a traditional pre-approval is that the borrower's income, assets and debts are verified by our underwriters. We confirm that the borrower's credit report is approved, sufficient income is documented to qualify, tax returns have been reviewed if necessary, present home does/does not need to be leased or sold, and there are no other known credit issues exist to prevent the closing. Becoming a Certified Home Buyer means a faster closing, more purchasing power, less stress, instant credibility with real estate agents, greater loan flexibility and best of all, it's free.