REALTOR RESOURCES

Tired of Babysitting Your Lender to Get a Deal Closed?

You shouldn’t have to chase updates, fix problems, or explain surprises to your client. That’s the lender’s job.

When a deal falls apart, it doesn’t just cost a commission. It costs trust. We make sure your clients are prepared, your deals are solid, and nothing gets dropped.

Send Us a Message See What You Qualify For

No pressure. Just answers.

NMLS #157369 | 25 Years Team Experience | A+ BBB Rating

Years Experience
Clients Served
Top 1%

Mortgage Team

A+ BBB

Rating Since 2007

CHALLENGES

Sound Like a Deal You’ve Been Through?

If any of these sound familiar, you’re not the only one.

You’ve had to chase a lender just to get a basic update

A “pre-approved” buyer fell apart days before closing

You found out about a problem after your client did

A deal died late because something wasn’t caught early

You want a lender your clients trust, not one you have to explain

THE BARRIER

Pre-Qualified Buyers Don’t Win Deals. Or Close Them.

A pre-qualification is a surface-level review. It looks good until it doesn’t.

The breakdown happens late — after inspection, after appraisal, right before closing. That’s when everyone scrambles and your deal is at risk.

A pre-underwritten buyer is different. Income, assets, and credit are reviewed upfront — before the offer is written.

That’s the difference between hoping it closes and knowing it will. Your name is tied to that outcome.

Our team averages 17 to 21 years of experience. These aren’t files being figured out in real time.

ROADMAP TO CLARITY

What You Can Expect on Every Deal

In one quick 15-minute conversation, here’s what you will walk away with:

1

Pre-Underwritten Buyers

Fully reviewed before they shop. Stronger offers, fewer surprises, and lightning-fast closings.

2

$5,000 Seller Guarantee

If we can’t close for a reason within our control, the seller gets $5,000. It changes how offers are received.

3

Proactive Communication

You and your client always know where things stand. No chasing, no guessing.

4

Early Problem Solving

If something comes up, we catch it early and call you first with an actual solution.

5

Clear Options

Multiple loan structures upfront so your client understands their decision, not just the payment.

The Congrats Pack — Your Clients Will Talk About This

As soon as your client goes under contract, a congrats pack from our team is on the way — so they’re prepared for closing day before it arrives:

  • Moving box labels, so every box says what room it goes in
  • Moving box tape — with a dispenser
  • A black Sharpie
  • A moving guide
  • Utilities information for their new address
  • Where to get their driver's license updated
  • A little bag of candy, plus Cracker Jack and Twizzlers

At Contract

The Congrats Pack

If there’s a child under 12 in the family, we add The Berenstain Bears’ Moving Day — because moving is a big deal when you’re seven.

And after closing, two more things arrive: a watercolor portrait of their new home in a 5×7 frame, and ten “Just Moved” postcards featuring that same watercolor, ready to send to friends and family.

Your clients remember who made moving easier. So does everyone who gets one of those postcards — with your name still fresh in the story.

*(This applies to primary-residence purchase clients.)*

VA CE Classes — Learn VA Loans From Someone Who Teaches Them

Susan teaches continuing education classes for real estate agents on VA loans — how eligibility and entitlement actually work, how to structure VA offers that get accepted, and the myths that cost veterans houses.

Upcoming classes:

August 20 — 10:00 am to 1:00 pm

University of South Carolina Aiken Business & Education Building, Room 122

452 Scholar Loop, Aiken, SC 29801

Register

September 16 — 10:30 am to 1:30 pm

Maggiano's at Perimeter Mall

4400 Ashford Dunwoody Road, Atlanta, GA

Register

September 30 — 10:30 am to 1:30 pm

Mally's Market

2860 Washington Rd, Augusta, GA 30909

Register

November 4 — 10:30 am to 1:30 pm

Maggiano's at Perimeter Mall

4400 Ashford Dunwoody Road, Atlanta, GA

Register

Want a class for your office? Send us a message and we’ll set it up.

Send Us a Message

Rescue Denied Buyers

Has your client been denied? Send them to us before they give up. A denial usually means that lender stopped looking — not that no loan exists. Self-employed income read wrong, entitlement miscalculated, a program nobody checked: we regularly help buyers move forward after being told “no” somewhere else. You get the closing. Your client gets the house.

Send Me a Scenario

Help Your Clients Save When They Refinance

Clients who finance with our team and close with Perrie & Associates get their refinance fees waived if they refinance with us within three years. One more reason your buyers can commit with confidence — and one more thing they’ll thank you for.

See the Purchase Bonus

Send Your Clients to a Free Webinar

We teach free online homebuyer classes — VA, first-time buyer, self-employed, and investor topics. Send your clients. We’ll take good care of them and send them back to you ready to buy.

See the Webinar Schedule

Buydown Calculator

Compare temporary buydown options side-by-side and estimate monthly savings for your buyers — perfect for seller concession conversations.

Open the Buydown Calculator

Cost of Waiting Calculator

Help buyers see what waiting can cost — higher prices, rent paid along the way, and equity they miss by not buying today.

Open the Cost of Waiting Calculator

SPECIFIC PROGRAMS

The Programs, In Plain English

Upfront Pre-Underwritten Buyers

Tired of offers that fall apart after underwriting starts? Upfront pre-underwritten buyers: are vetted by active underwriters before the offer, so files are built to close and timelines stay short.

Written $5,000 Performance Guarantee

Listing agents worried your buyer won't actually close? Our $5,000 Seller Guarantee: pays the seller $5,000 if the transaction fails due to our error — zero risk to the buyer or realtor.

Continuing Education (CE) Modules

Need CE that helps your team close real deals, not just check a box? Our Continuing Education (CE) modules: cover VA entitlements and Georgia Dream guidelines, taught by Susan Pryor for official agent credit.

SIDE-BY-SIDE MATCHUP

This Is Where Deals Get Protected

How Southern Mortgage Authority compares directly against consumer banking giants.

Core Metric / Characteristic
Typical Consumer Lender
With Southern Mortgage Authority

Initial State

✕  Pre-qualifies, not fully reviewed

✓  Pre-underwritten before offers go out

Updates

✕  Reactive communication (chasing them)

✓  Proactive updates every step of the way

Product Options

✕ One option presented

✓  Multiple options clearly explained

File Execution

✕  Inconsistent execution

✓  Experienced, dedicated team on every file

VERIFIED FEEDBACK

Agents Who Needed a Lender They Could Rely On

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

“As a real estate agent, communication is everything — and this team absolutely delivers. They keep everyone informed every step of the way, stay on top of the details, and most importantly… they get the job done.”

“

Sherri

Real Estate Agent (Google review)

Realtor

“They hold my clients’ hands when needed — they have multiple programs to choose from. Their strong point is communication: with both agents, the buyer, the closing attorney — from start to finish.”

“

LeeAnn

Realtor (Google review)

Realtor

“I’m always excited to introduce new clients to this team. Effective, communicative, and always professional. My clients routinely praise the patience and highly personal communication.”

“

Roy

Realtor (Google review)

Realtor

LEARNING BASE

Common Realtor Resources Questions

Clear, straightforward answers about our loan processing policies.

We move fast.
If the buyer gets us what we need, we typically have a pre-approval back within 24 hours. We’ll tell you upfront what we need and why.

Georgia, Tennessee, North Carolina, South Carolina, Alabama, Florida, Virginia, Texas, Louisiana, Illinois, Colorado, Kentucky, and DC.

Pre-qualification is a surface estimate based on what you tell us.
Pre-underwriting means your actual income, assets, and credit documents have been reviewed by an underwriter. A pre-underwritten buyer makes a much stronger, cash-like offer.

Yes.
We know how to structure and present VA offers so they’re taken seriously. Most sellers and listing agents who hesitate on VA haven’t worked with a lender who actually knows the product.

You hear from us first.
We don’t let problems sit. If something comes up, we call you directly, tell you what it is, and tell you how we’re handling it.

Yes.
Susan teaches continuing education classes on VA loans specifically. If your office is interested, reach out and we’ll set something up.

We issue a guarantee letter with our pre-approvals.
If we can’t close for a reason within our control, the seller receives $5,000. It’s a real commitment that makes your buyer’s offer stand out.

We find out what actually matters to this seller — a fast close, a flexible timeline, or the shape of the contingencies — and build the financing to match. Because our buyers are pre-underwritten before they shop, we can support a very fast close when speed is what wins, and back the offer with the $5,000 Seller Guarantee.

Protect Your Next Deal Before It Starts

If you’re tired of chasing lenders or worrying about whether a deal will actually close, let’s fix that. One conversation and you’ll know exactly how we work.

“We’re based in Marietta and work with buyers across metro Atlanta — and in the 13 states where we’re licensed.”

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NO OBLIGATION. JUST DIRECT LOCAL ANSWERS.