Business Details
39 Years
experience
Your hometown mortgage experts
We are a dedicated mortgage team with decades of combined experience in the industry. Since taking my first mortgage loan application in 1987, I have built a career focused on simplifying the home financing process for families. Our approach centers on personalized service, offering tailored loan options that save clients time and money. With expertise in conventional, FHA, VA, and USDA loans, we guide clients through every step from pre-approval to closing.Our team has earned recognition as top producers and maintains a client-first philosophy that has helped hundreds achieve homeownership. We operate with transparency, ensuring clear communication and competitive rates across Georgia, Tennessee, Florida, and neighboring states.
Services
Conventional Mortgage
FHA Mortgage
VA Mortgage
USDA Mortgage
Jumbo Mortgage
Renovation Mortgage
Details
- Year established: 1987
Highlights and features
- We offer 35+ years of mortgage industry experience since 1987
- Our team provides personalized loan options tailored to individual financial situations
- We maintain top producer status with industry recognition from Experience.com and Zillow
- We offer multiple loan products including conventional, FHA, VA, and USDA mortgages
- Our client-first approach ensures transparent communication and competitive rates
What people say
Personalized service
Expertise
Successful home buying experiences
Transparent communication
Competitive rates
Services
Conventional Mortgage
Conventional mortgages offer flexible terms for qualified borrowers. These loans require private mortgage insurance for down payments under 20%. Ideal for buyers with strong credit seeking competitive rates without government backing.
FHA Mortgage
FHA loans provide low down payment options with lenient credit requirements. Backed by the Federal Housing Administration, these mortgages suit first-time buyers and those rebuilding credit. We guide clients through FHA-specific documentation and requirements.
VA Mortgage
VA loans offer zero down payment options for eligible veterans and service members. We specialize in processing VA-specific documentation and maximizing benefits through the Department of Veterans Affairs programs.
USDA Mortgage
USDA loans provide zero down payment options for rural property buyers. We help clients navigate income eligibility requirements and property location criteria for USDA Rural Development financing.
Jumbo Mortgage
Jumbo loans finance high-value properties exceeding conventional loan limits. We offer competitive rates for luxury home purchases with specialized underwriting for high-net-worth borrowers.
People
Reid Clark
Branch Manager / Mortgage Loan Originator
With 35+ years in mortgage lending since 1987, Reid Clark specializes in personalized home financing solutions. A Diamond Award winner and top 5% industry producer, he leads a dedicated team serving Georgia and surrounding states.
Questions
What mortgage options do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and renovation mortgages with competitive rates across Georgia and neighboring states.
How does the mortgage process work?
Our process includes documentation review, appraisal, underwriting, conditional approval, final verification, and closing with personalized guidance at every stage.
Can I refinance my current mortgage?
Yes, we offer cash-out refinancing, rate reduction options, and term adjustments to help homeowners lower payments or access equity.
What credit score do I need for a mortgage?
Minimum credit score requirements vary by loan type, with FHA loans typically accepting scores as low as 580 for maximum financing.
How much down payment is required?
Down payment requirements range from 0% for VA/USDA loans to 3-5% for FHA and 5-20% for conventional mortgages depending on circumstances.
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