Georgia Mortgage

Personalized Mortgage Lending  

Here is just part of what we do to achieve our goals and to help make the financing of your home proceed as smoothly as possible:

- Discuss and explain different lending options and programs that may best fit your qualifications 
- Analyze your financial situation to determine the loan that may best fit your qualifications 
- Assist you with the loan application and necessary paperwork
- Collect financial information and other related documents that are part of the application process
- Provide financial disclosures pertinent to your loan application 
- Secure the loan program and rate to suit your specific needs
- Obtain a Residential Mortgage Credit Report and verify the credit information
- Coordinate the appraisal process and review the final appraisal to ensure it meets the lenders requirements
   (You will receive a copy of the appraisal)
- Research, verify and evaluate the employment and income history as needed
- Verify source of funds and/or deposits to close as needed
- Coordinate the approval process through Fannie Mae or Freddie Mac
- Inform you of any conditions to be satisfied prior to final loan approval or closing
- Coordinate the title search and arrange for title insurance to be issued
- Coordinate with the closing attorney any liens on the property to be paid
- Contact your insurance agent and secure homeowners insurance on the property
- Schedule and coordinate the closing with all parties to the transaction 
- Inform you as to what to expect at the closing and how the closing process works 
- Review the HUD 1 Settlement Statement and mortgage loan documents for accuracy prior to the closing
- Attend the closing or arrange to be available by phone
- Maintain regular contact with all parties to the transaction between the time of application and closing