Home Loans made simple


First time homebuyer? You’ve come to the right place!

Looking at real estate fliers and touring homes is easy. Applying for a home loan and figuring out how to pay for a house – well, that can get complicated. Let us guide you through understanding a home loan.

#1 - A home loan is called a mortgage.

Buying a house is one of the largest investments most people make. Home loan programs are available to those who need to borrow the money and buy a house (which is almost everyone.) The money borrowed and the payment due each month is called a mortgage.

#2 - Home loan options are also called programs.

You have choices when it comes to a home loan. Some buyers have more choices than others depending on how much money you make, where the home is located, how much money you have to spend right away and your credit score. There are many options when it comes to home loans and several programs available. Some of them include:

  • Conventional loans (also known as regular loans)
  • FHA loans
  • VA loans
  • USDA loans

The best step to determine the right home loan program for you is to call a local mortgage lender you trust. The lender can explain the difference in each program and help you decide which one is best for you.

#3 - Learn the numbers.

There are many “numbers” involved in a home loan process. When you apply for a loan, you will have a unique set of figures for you. Here are some numbers that will be figured up into your home loan:

  • Purchase price of the home
    What you’re offering to pay for the house you want to buy.
  • Down payment
    The money you have available to buy the house when you apply for your loan.
  • Interest rate
    Usually a percentage and based off of your credit score. This percentage figures up how much money in interest you will pay during the life of your loan.
  • The term of your loan
    Typical terms are 15, 20 or 30 years – meaning how long it will take to pay back the loan.
  • Monthly payment amount
    This is what your mortgage bill will show each month.

#4- Home loans aren’t free – but it doesn’t cost to apply.

It’s FREE to pre-qualify and apply for a home loan. But there are some fees involved when you borrow money to buy a house. Closing costs will apply before your loan is approved. This pays for the processing of the home loan. Also, you will be charged interest on your loan – this works just like any other loan from the bank – interest for borrowing the money will be part of your mortgage payment.

#5- There are tax benefits to home loans.

Although home loans do not come free, the government lets you write-off what you pay in interest on your Federal income tax return. Also, if you pay mortgage insurance (MI), you may also write-off this amount.


How do I buy a house?

These are the basics of understanding home loans. If you want to buy a house but haven’t found one yet, go ahead and pre-apply for a home loan now.

If you’ve already found a house and made an offer, we can still help you. Fill out our online application form for a home loan. Our team will be in touch ASAP to collect information about the house you want to buy and get the ball rolling on your financing.

Questions? Call us at 404-933-9089.

Sheryl took great care of us while we were purchasing our first home. She was always ready and able to answer all of our questions and kept us informed throught the entire process. We are so thankful that we had someone like her in our corner.

melissamblack45 on 2020-04-01

Sheryl was so helpful in every way! This was my first time buying a house and I had a million questions! She was so nice, professional and helpful! I would definitely recommend her to anyone!

erincurrul on 2019-08-08

I had a wonderful experience with Sheryl Nolan. She is great! Very quick the respond to question and always kept me in the loop of what was going on and how things were progressing every step of the way. Would recommend her to anyone and would use her again in the future if I need another home loan.

zuser20160108105828297 on 2018-07-01

My real estate agent referred me to Sheryl for a new home loan. Working with Sheryl made the entire loan experience so easy that I was amazed it all happened so fast. Sheryl is VERY detailed oriented and worked tireless to ensure everything was done correctly and so very professionally. I had very little experience in getting a home loan but Sheryl held me hand throughout the entire experience. She got me the best rate and I learned a lot from Sheryl. I would recommend her to everyone as she made my loan an enjoyable experience! She is honest and has a level of integrity that showed through with everything she did for me. Please use her as you won't be sorry!

tsheff0106 on 2018-07-01

Where do I begin! Sheryl worked SO HARD on our loan. We were not a normal mortgage and Sheryl took on the challenge and got us into our dream home. She was spot on getting back to my emails and calls right away. She even followed up after normal business hours just to make sure she checked in with me! I had no doubts in Sheryl's ability and will happily recommend her to all my friends and family!

joshhastydc on 2017-12-01

We truly enjoyed having Sheryl as our lender. We could ask her any questions and she was able to answer with a detailed, as well as, simplified response for us to understand...remember we were first time home buyers. She made everything very easy to understand and paperwork easy to access. She was available any time for questions, which is good because both my husband and I work full-time jobs. Needless to say she is the go-to lender. She gives real feedback and advise, overall great lender.

zuser20151106080611806 on 2017-08-01

Sheryl was an absolute joy to work with throughout the entire loan process. She was very responsive to all my questions prior to, and after I officially became a client. She is very knowledgeable about home loan products, and was able to recommend the best options for me based on my specific needs. Sheryl is a very effective communicator, and is really good at making complex loan processes/terminology easy to understand. I highly recommend her services!!

user1130198217 on 2017-11-01

Sheryl was a dream to work with. From day 1 she was in our corner fighting to find the right loan situation for us as new home buyers. She was always available to answer the multitude of questions that we had, calm any fears or soothe any anxiety. We were absolutely blessed to have her on our team during the home buying process.

user99367972 on 2017-09-01

Sheryl was fantastic to work with for buying our new home. She was always available to answer my questions and was a great partner throughout the whole process. I would definitely use Sheryl again for our next house.

AnnUitts Newlin on 2017-05-01

Sheryl was Amazing , it took the personal approach in assisting me with my home mortgage. She was very in detail , patient, understanding worked fast to get things done. Very efficient and personable !!! I would highly recommend Sheryl and use her again again In the future!!!! Sheryl was a GOD send

zuser20140513152644210 on 2017-07-01

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