MORTGAGE SOLUTIONS

Clear Answers. Better Options. A Home Loan Experience That Actually Makes Sense.

We simplify the mortgage process and find the right loan for your unique situation—so you can move forward with confidence.

Send Us a Message SELECT YOUR BUYING SCENARIO

25 Years | 6,000+ Clients Served | A+ BBB Rating

01

Free Refinance Later

Buy the home you love now. If rates improve within 3 years, your refinance fees are on us.

02

Get a Second Opinion

Already have a Loan Estimate from another lender? We’ll review it free — and tell you the truth.

03

Free Webinars

Live online classes most Thursdays. Real answers, no pressure.

04

The $5,000 Seller Guarantee

Your offer is fully underwritten before you shop — and we back it with a real check.

05

Realtor Resources

Partnership tools and closing guarantees.

Years Experience
Clients Served
Top 1%

Mortgage Team

A+

BBB Rating Since 2007

PROGRAM FINDER

Select Your Buying Scenario

Explore specific rules, assistance options, and pre-approval guidelines customized for you.

VA Loans

For Veterans & Active Military

Learn Rules

First-Time Buyers

Low Down Payment Options

Learn Rules

Self-Employed

Bank Statement Verification

Learn Rules

Home Equity / HELOC

Access Your Home’s Equity

Learn Rules

Down Payment Help

Grants and assistance programs — you may need less cash than you think.

Learn Rules

We don’t give you one rate. We give you six.

At any given moment, there are many rates available for the exact same loan. Most lenders show you one. We show you six — with the payment and cash to close for each — and you choose.

See how it works

Free Refinance Fees When You Buy With Us

Finance your purchase with our team and close with Perrie & Associates — if you refinance with us within 3 years, we waive our lender fees and the attorney closing fee.

See the Purchase Bonus
The Problem in Today’s Market

Why Traditional Mortgage Loans Fall Short Near Closing

This leaves buyers in severe distress when underwriter audits flag these details days before closing, causing deals to collapse.

We don’t guess. We review your actual documents at the start — income, assets, credit — so you can write an offer with real confidence. And we back it up: if a fully underwritten loan doesn’t close because of our error, the seller gets a $5,000 check.

Pre-Underwritten, Not Just Pre-Qualified

Sellers Love Our $5,000 Guarantee

If we pre-underwrite your loan and fail to close due to our error, we pay the seller $5,000.

Direct Contact with Susan Pryor

No offshore call center trees. Get direct cell-phone access to our senior management team.

Six Rate Options on Every Loan — You Choose

We automatically analyze 12+ Georgia assistance options during your initial consultation.

MORTGAGE TOOLS

Run Your Numbers

Adjust values instantly to see exact estimated monthly breakdowns.

Mortgage Calculator

Estimate your real payments with custom program parameters.

$450,000
6.75%
1.1%
$1,200

Estimated Monthly Payment

$3,066/mo

  • Principal & Interest $2,400
  • Property Taxes $413
  • Home Insurance $100
  • PMI / MIP $154
Tip: putting 20% down avoids the monthly Private Mortgage Insurance (PMI).
The Problem in Today's Market

Tired of Babysitting Your Client's Lender?

Learn how we pre-underwrite buyers upfront so you can make confident, winning offers with our written $5,000 Seller Performance Guarantee.

View Agent Resources

VERIFIED FEEDBACK

Homebuyers Who Found Clear Answers

6,000+ Clients Served | 25 Years Licensed | A+ BBB Rating Since 2007

(“From start to finish Susan was there to guide, reassure, solve issues and overall just make the entire process secure and good.”

“

Ryan

Homebuyer (Google review)

VA LOAN

““FHA isn’t the easiest loan option but boy did this team make the process smooth and easy! I found them through Invest Atlanta, which is a program that helps with down payment assistance. $10k was granted for my closing through this program.”

“

Chrisette

Atlanta first-time buyer (Google review)

First-Time Buyer

"I recently gave 2 of my veteran clients “Susan, Shandy, and the team were excellent to work with. Everything was explained clearly so I could make the best decision for me and my family.”

“

Andrew

Homebuyer (Google review)

HOMEBUYER

GOOGLE REVIEWS

See What Clients Say — and Where to Find Us

Our Marietta office serves homebuyers across metro Atlanta. Read verified Google reviews from families we've helped — or leave your own after we work together.

Leave Us a Google Review
WISDOM BASE

General Mortgage Wisdom FAQ

Helping you make informed, confident financial decisions.

Pre-qualification is just a loan officer checking your self-reported data. Pre-underwriting means our active operational underwriters review your W-2s, asset logs, and tax write-offs before you even place an offer. This completely eliminates last-minute closing surprises.

When we pre-underwrite a loan, we issue our performance guarantee to the listing agent. If the transaction fails to close solely due to our processing error, we pay the seller $5,000 out of our pocket. This gives your offer tremendous strength.

VA and USDA loans require 0% down. FHA requires 3.5%. Conventional loans can go down to 3% for first-time buyers. Additionally, we check Georgia Dream grants to help cover closing costs entirely.

Yes!
Many lenders reject self-employed buyers because write-offs lower net tax income. We offer Bank Statement programs where we qualify you using 12 to 24 months of actual monthly deposits.

Absolutely.
As long as you maintain the home, live in it as your primary residence, and pay property taxes and homeowner's insurance, you keep full ownership. We're licensed to guide you and your family safely.

Yes.
Instead of refinancing your main mortgage, we structure a home equity line of credit (HELOC) or second mortgage behind it. Your primary 3% rate remains completely untouched.

CONTACT US

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