Georgia Mortgage Interest Rate GFE Guarantees
Good Faith Estimate Guarantees
Georgia Mortgage Pro .com
Atlanta Georgia's Internet Loan Specialists
We have mortgage interest rates available that are lower than the national average with lower costs also!
Tired of all the companies that can't give you an honest answer or an honest rate quote? Check out the About Us page to learn how you've found the best company to help you get the absolute best deal
with none of the games that others may play but just an honest job with great service and the lowest costs.
Atlanta Georgia Mortgage Pro offering the best rates in Georgia. Get a mortgage that fits you at the best rates and the lowest costs. We can help you get a mortgage in any part of Georgia as well as in several states. We will work to get you the best rate at the lowest cost with guaranteed closing costs. Our Georgia mortgage interest rates are the best available.
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Our Guarantees
By now we've all heard about fraud in the mortgage industry and how the industry has completely changed because of this and the resulting tighter regulations.
What most people don't understand is that the fraud in the past was a two-way street. Yes most of it was loan officers and companies (including appraisers) committing flat out fraud in their actions, but
there was another contributing factor to this fraud: false information from borrowers. Now there's nothing wrong with a borrower estimating their income or anything else on an
application, (all applications are now viewed as estimates untill processed and verified, with a final updated application signed at closing)
but there's a fine line between providing truthful documentation to back up an application and providing documentation that has been through photoshop...
We have never closed any loan that was fraud, and we're not pointing any fingers as to where any fraud was done by others in the past, but it clearly could have been committed at any level in the process from documents submitted to a loan officer,
to the package prepared by the loan officer for the processor, to what was turned in from the processor to the lender's underwriter. Regulations used to be so loose (especially in stated loans)
that there was no need to verify anything as long as the borrower had a certain credit score so anything beyond that wasn't even looked at in depth - including appraisals.
Bottom line we all know is that the mortgage company that ultimately signed off on these fraud loans held the responsibiliy either by committing the fraud or failure to perform the
due dilligence to verify all information before closing the loan.
That being said, please understand that everything is looked at in depth and fully verified now including reviews on appraisals done by third parties.
I will work hard to do everything I can to help you out. I will be honest and upfront with you the entire process and answer any question you have during the process.
I believe lying or B.S.ing anyone is a waste of time and energy and there is too much business out there to even waste my time by trying to do so.
Our relationship in this transaction should be somewhat similiar to something between a lawyer and their client: I expect you to be honest and truthful with me too as I would be the
one who takes what you tell me in confidence to structure and provide a case to present to the judge for a favorable decision (read into this that any information you either give me or "omit"
makes a direct influence on final approval by underwriting - some people think that by leaving out certain information helps them get approved, when it actually gets them denied
when that information is now discovered during the verification process of the new strict regulations, where if disclosed upfront would just mean re-structuring the loan submission to underwriting).
Any denial by any underwriter at any company generally means denial anywhere else afterwards due to the new information systems used by all lenders due to the new regulations.
This brings me back to my initial reference of the lawyer/client relationship... I have been able to get approvals on people that were denied elsewhere when I was given
all the information up front to allow me to properly defend a properly structured loan. This is very difficult as I also have to explain and defend the initial denial.
My personal Guarantees to you:
- To be truthful, honest, and upfront with you, to give you the best deal possible, to love and respect you as a fellow human being trying to make it in this world.
- To drop you in a heartbeat if you can't do the same above for me or if you lie to me.
- To quote you the best rates and fees based on your unique situation that is not a lowball advertising rate set to bait and switch you like the standard in the mortgage industry.
- To guarantee my good faith estimate upon locking in that my lenders fees - section 800 - will not change as long as nothing changes from the application.
- To guarantee you I will beat any legitimate Good Faith Estimate from the same timeframe.
- To drop you in a heartbeat if you believe profit is a bad word - as you wouldn't have a job either if your company believed this. Everyone in this business only gets paid if your loan closes - I work for free until then and I only make a small amount per loan but strive on volume - which is why B.S.ing is a waste of time.
If you want to get updated GFE's that's okay,
but if you don't tell me what it would take to earn your business based on the GFE's I send you, then you are taking time away from customers that are up front with me.
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