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Finding the best mortgage lenders in Georgia can be a daunting but crucial process. Georgia is a very diverse state geographically and demographically. You have the big city metro lifestyle of the Atlanta area, coastal markets like Savannah and the island communities, and country club living in Augusta. Wherever you live or are planning to buy real estate, you need to find a good local mortgage lender.
It is beneficial to work with a Georgia-licensed mortgage loan expert who can help you explore all your options and find the ideal lending solution based on your specific financial situation and home buying goals. Here are some of the important steps you can take to find the best mortgage lenders in Georgia:
How to Find The Best Mortgage Lenders in Georgia
Ask for Referrals
If you know anyone who recently purchased a home, made a real estate investment or refinanced their mortgage loan, ask them about their mortgage lender. See if they are willing to provide a personal recommendation. If you trust that person and they trust their mortgage broker, then that’s a great place to start your search. You can also ask your real estate agent. They are usually willing to provide a referral. They may have a local lender who they’ve worked with for years.
However, you do have to be a little careful as many Realtors® and mortgage lenders have referral partnerships. You still want to meet with the lender and make sure you feel good about their service offerings.
Feel Good About Your Choice
That brings us to our second point. It is very important to work with a mortgage lender who instills you with a sense of confidence and trust. Make sure they know what they are talking about and are willing to provide a level of service you deserve. Don’t be afraid to ask a lot of questions. “Interview” them and let them earn your business. Just because they have a Georgia mortgage license doesn’t mean they are your best lending partner. Take the necessary steps to find the mortgage broker or lender who is right for you. The more confidence you have in your choice, the better the process will usually go.
Be Thorough in Your Decision Process
We mentioned asking questions. We can’t stress the importance of this enough. Whether this is your first home purchase or you’ve been through the process before, you should have questions. And, your mortgage lender should have answers. You will also want to ask about their mortgage product offerings, certifications and other important details. Many direct lenders only provide a limited number of mortgage solutions.
If you have military ties, seek out a Georgia VA-approved lender to see if you qualify for a VA home loan. If you are buying in a rural Georgia area, ask about USDA loans and make sure they are certified to offer them. You may best off with an FHA loan, conventional home loan or maybe even a jumbo loan in a high-cost market. Find a mortgage lender who can provide you with the best service based on what, where and how you are buying real estate.
Talk with a Georgia Mortgage Broker
When looking for the best mortgage brokers in Georgia, be sure to talk with at least one mortgage broker. They may be able to provide you with additional lending options not offered by a direct lender or bank. Direct lenders and banks are generally representing a set menu of mortgage loan products. A mortgage broker may provide you much more flexibility. They work with many different lending sources and can essentially “shop around” on your behalf. An experienced Georgia mortgage broker will review your financial details, get you pre-approved for a loan, find the best lending solution for you, and lock in the lowest possible mortgage rate.
Georgia’s Best Mortgage Broker
If you are looking for the best mortgage lenders in Georgia, put Moreira Team | MortgageRight on your list. Give us a call, send us an email or contact us through our website to set up an initial mortgage loan consultation with one of our team members. We are a licensed Georgia mortgage broker with FHA, USDA and VA certifications (and more). Our team can help you find the best lending solution for your new home loan or mortgage refinance. We can also provide home equity loans, home equity lines of credit and cash-out refinancing in Atlanta and all communities throughout the great state of Georgia.
Contact Moreira Team | MortgageRight today to get started!