Business Details
20 Years
experience
Your Trusted Mortgage Partner in Atlanta, GA
Chad Wade has been dedicated to transforming the mortgage experience since 2006. Our mission centers on delivering exceptional customer service, ensuring every client feels valued and supported throughout their home buying or refinancing journey. With a team of ten experienced professionals, we prioritize personalized attention and transparent communication, setting us apart in the competitive Atlanta market. Our streamlined processes enable efficient closings, often within 21 days, while our local expertise ensures accurate appraisals and informed decision-making. We specialize in matching clients with optimal loan programs through a comprehensive comparison of 16 lenders, guaranteeing competitive rates and closing costs.Our commitment to excellence extends to continuous support, including seven-day-a-week availability, to address client needs promptly. By focusing on pre-approvals rather than pre-qualifications, we empower clients with confidence in multiple-offer scenarios. This approach, combined with our local reputation, has solidified our position as a trusted partner in the community. We measure success through client satisfaction, aiming to create advocates who appreciate our dedication to simplifying the mortgage process.
Services
Conventional Loans
Jumbo Loans
FHA Loans
VA Loans
Home Purchases
Refinances
Pre-approvals
Competitive Pricing
Team Approach
Local Appraisers
Details
- Year established: 2006
Highlights and features
- We offer competitive pricing by comparing 16 lenders to find the best mortgage rates.
- Our ten-person team ensures consistent communication and better service.
- 21-day closings with no financing contingencies for faster transactions.
- We work with local appraisers for accurate valuations in the Atlanta area.
- Seven-day-a-week service to accommodate all client needs.
Services
Mortgage Services
Chad Wade provides comprehensive mortgage services, including loan origination, refinancing, and pre-approvals. Our team compares 16 lenders to secure competitive rates, ensuring tailored solutions for home purchases or financial restructuring. Clients benefit from streamlined processes, local appraiser partnerships, and a 21-day closing timeline without financing contingencies.
Loan Products
We offer diverse loan products, including conventional, jumbo, FHA, and VA loans. Our experts guide clients through program-specific requirements, down payment options, and credit score considerations. By analyzing middle credit scores and market conditions, we identify optimal financing solutions for first-time buyers, veterans, and investors in the Atlanta area.
Pre-approvals
Our pre-approval process involves a thorough financial assessment, including soft credit pulls and document verification. This ensures clients receive accurate loan estimates and gain a competitive edge in multiple-offer scenarios. We collaborate with listing agents to validate offers, leveraging our local reputation to strengthen client positions.
Refinances
We specialize in refinancing solutions to lower interest rates, reduce monthly payments, or access home equity. Our team evaluates current market conditions, client financial profiles, and property values to recommend strategic refinancing opportunities. Transparent communication ensures clients understand closing costs and long-term benefits.
Local Appraisers
Cornerstone partners with local appraisers familiar with Atlanta's real estate market. This ensures accurate property valuations based on neighborhood comps, enhancing loan approval certainty. Our relationships with appraisal management companies expedite the process while maintaining compliance with post-2009 regulatory standards.
People
Chad Wade
Managing Partner and Loan Officer
Chad Wade founded Chad Wade in 2006 after a career in banking and insurance. A University of Georgia graduate, he leads the Atlanta team with a focus on personalized service and mortgage expertise. He resides in Alpharetta with his family and enjoys outdoor activities.
Sterling Hartfield
Senior Loan Officer
Sterling Hartfield manages loan processes from application to contract, specializing in complex scenarios. With extensive experience in mortgage lending, he ensures clients receive tailored guidance and support throughout their financing journey.
Drayton Johnson
Loan Coordinator
Drayton Johnson coordinates loans from contract to post-closing, handling document collection, appraisals, and final numbers. His role ensures seamless communication between clients and closing attorneys, maintaining timely transaction progress.
Kevin Molley
Processor
Kevin Molley processes loan approvals, liaising with underwriters and closing attorneys. He ensures all documentation meets compliance standards and facilitates smooth reconciliation of final transaction details for clients.
Pat Molley
Processor
Pat Molley supports clients through final loan approvals, addressing underwriting requirements and coordinating with closing attorneys. His attention to detail ensures accurate financial reconciliation before transaction completion.
Questions
What credit score is required to qualify for a mortgage?
A minimum credit score of 620 is required, with scores above 760 considered ideal for optimal loan terms.
Can I use gifted funds for a down payment?
Yes, family members can provide down payment gifts, subject to documentation verifying the source.
How long does a credit pull last during the mortgage process?
Initial credit pulls last 120 days, with a final soft pull before closing to verify no new debt was incurred.
What documents are needed for pre-approval?
Pre-approval requires income verification, asset statements, and identification, submitted securely via our Sharefile platform.
Can I lock in my interest rate before finding a home?
Interest rates are locked once under contract, based on your financial profile and closing timeline.
What actions should I avoid during the loan process?
Avoid job changes, new debt, large purchases, or account closures, as these can impact loan approval status.
