Business Details
21 Years
experience
Your Trusted Mortgage Partner in Louisville, KY
Founded in 2005 by Tommy Atlas, our company has dedicated over two decades to simplifying home financing for clients across Kentucky. With a career spanning retail banking and mortgage specialization since 1998, we combine deep industry expertise with personalized solutions to address complex mortgage needs. Our team prioritizes transparency, guiding clients through every step of the process with integrity and professionalism.We pride ourselves on local market knowledge, ensuring tailored advice for Kentucky homeowners seeking purchases or refinancing. Backed by NMLS certification and a commitment to excellence, we strive to make homeownership accessible and stress-free for every client.
Services
Adjustable Rate Mortgage
Fixed Rate Mortgage
Conventional Mortgage
FHA Loan
VA Home Loan
Non-Qualified Mortgage
Investment Property Loans
Details
- Year established: 2005
Highlights and features
- We offer over 20 years of mortgage industry expertise.
- Our team provides personalized home financing solutions.
- We simplify the mortgage process with proven experience.
- Locally based, we understand Kentucky's housing market.
- Committed to transparent and reliable service.
Associations and certifications
- NMLS
Services
Adjustable Rate Mortgage
An adjustable rate mortgage offers a fixed interest rate for an initial period before adjusting annually based on market indexes. This option provides flexibility for borrowers anticipating income growth or future rate changes. Ideal for those seeking lower initial payments while managing long-term financial planning.
FHA Loan
FHA loans provide accessible homeownership opportunities with low down payment requirements and lenient credit score standards. Backed by the Federal Housing Administration, these mortgages suit first-time buyers or those rebuilding financial stability through secure, government-supported financing.
VA Home Loan
VA home loans offer exclusive benefits to veterans and service members through Department of Veterans Affairs guarantees. This program provides competitive rates, no down payment requirements, and reduced closing costs to honor military service with accessible homeownership solutions.
Non-Qualified Mortgage
Non-QM loans serve borrowers with unique financial situations through flexible underwriting standards. These mortgages accommodate self-employed individuals or those with non-traditional income verification while maintaining responsible lending practices beyond standard qualified mortgage criteria.
Investment Property Loans
Investment property loans provide financing solutions for income-generating real estate. Designed for 1-4 unit properties, these mortgages consider rental income potential and property cash flow to support strategic real estate investment portfolios.
People
Tommy Atlas
Founder
With 25+ years in mortgage banking, Tommy founded Atlas Capital Mortgage in 2005 after graduating from the University of Louisville. He specializes in creative financing solutions, leveraging extensive industry experience to simplify complex mortgage processes for Kentucky homeowners.
Questions
What mortgage options do you offer?
We provide conventional, FHA, VA, adjustable-rate, non-qualified, and investment property loans tailored to individual financial situations.
How long does the mortgage process take?
Typical processing takes 30-45 days from application to closing, depending on documentation completeness and property appraisal timelines.
What documents are required for pre-approval?
We need income verification, tax returns, asset statements, government ID, and employment history for mortgage pre-approval.
Do you serve areas outside Louisville?
We serve all Kentucky counties, providing mortgage solutions for urban, suburban, and rural properties statewide.
Can self-employed individuals qualify for loans?
Yes, we offer specialized documentation options for self-employed borrowers through non-QM and conventional mortgage programs.
