Regardless of how you apply for a mortgage, whether with a face to face meeting or an online application here in Alpharetta, there are more than a few questions your lender will have. At the initial application, you’ll be supplied with a list of needed documentation based upon your personal situation. Mortgage lenders follow the […]

There are two primary categories for residential mortgage loans in the Alpharetta, GA mortgage marketplace. Those two categories are conventional and government-backed. Conventional loans are those using guidelines set by Fannie Mae and Freddie Mac. Government-backed loans are those underwritten to VA, FHA and USDA guidelines. They’re called government-backed because there is a level of […]

Most mortgage programs available today require a minimum FICO credit score. However, a lot of people ask, “what is the minimum credit score required to get a mortgage”? For conventional loans (those with guidelines established by Fannie Mae or Freddie Mac), the minimum score can vary based upon the amount of down payment, the client’s […]

For those who have some dings in their credit report and even for those with good credit who wants to make it an excellent credit profile, there are some definite, proven steps you can do on your own. Credit scores are an important tool lenders use when evaluating a request for a mortgage in Alpharetta, […]

The official announcement won’t come for a few weeks, but we’re going to make a pretty good guess that we know what the new conforming limits might be for next year. Conforming loans are so-named because they conform to guidelines set forth by Fannie Mae or Freddie Mac. Mortgage loans adhering to conventional guidelines are […]