Latest Articles

4 Types of mortgage providers

What are the 4 types of Mortgage Providers? 1. Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is a mortgage banker. Some companies […]

Are USDA loans available in Atlanta?

Living in Atlanta, we define the City in much broader terms. Georgians consider the surrounding five metro counties to be Atlanta. There are USDA loans available in these counties. For example, north of the city in Forsyth County, there are pockets that allow USDA 100% financing loans. USDA has a very nice search tool. It […]

What is manual underwriting?

What is manual underwriting? When you fill out an application with a mortgage lender, the lender will run your application through an automated underwriting system.  These systems have algorithms that include all the underwriting guidelines from Freddie Mac & Fannie Mae and match the information on your loan application with those guidelines.  An actual underwriter […]

Reasons to purchase title insurance

Owner’s title insurance is optional and only available when you purchase your home. A title insurance policy will protect the homeowner from claims against the ownership of the home. This valuable insurance protects the homeowner and is a one-time fee with no ongoing expense. The cost ranges from $500 to $3000, depending on the home’s […]

Should you purchase a home warranty?

As our customers move through the purchasing process and we get narrowed down to the nickel and dime costs, the question should you buy the home warranty always seems to come up. There are the down payment monies, a full year of homeowner’s insurance, this tax, that tax, and now a warranty? Seems like a […]