Clear answers for every step toward home.
Buying a home comes with a lot of questions. Our guides, tools, and trusted resources are designed to help you feel informed, prepared, and confident from your first conversation through closing day.
Homebuying feels easier when you know what comes next.
The Path to Purchase Workbook breaks the mortgage and homebuying process into simple, manageable steps so you can move forward with greater clarity and confidence.
Learn what happens before, during, and after your mortgage application.
Review practical steps for credit, budgeting, savings, and required documentation.
Know what to expect once you are pre-approved and ready to begin looking for a home.
Where are you in your homebuying journey?
You do not need to have everything figured out before speaking with us. Start with the option that feels closest to where you are today.
I’m researching and exploring my options.
We can help you understand an affordable monthly payment, discuss potential loan options, and explain what you may want to work on before touring homes.
Talk With Our Team →I need help getting my credit mortgage-ready.
Our Loan Readiness Program gives you a personalized path to work on your credit, strengthen your financial profile, and prepare to qualify for a home loan when the time is right.
Explore Loan Readiness →I’m ready to find out what I can qualify for.
A pre-approval helps you understand your buying power and gives your real estate agent the information needed to help you shop within a comfortable range.
Start Your Application →I found a home and want to move forward.
Our team will help you compare available loan solutions, complete your application, and navigate each milestone from contract through closing.
Explore Loan Options →Your mortgage document checklist.
Every loan is different, and additional documentation may be needed. Gathering these common items can help your application move more smoothly.
You do not have to wait until every item is collected before contacting us. We will explain exactly what is needed for your situation.
Category 01 Identification & Income
- Social Security number and government-issued identification
- Recent pay stubs
- W-2 forms or other income documentation
- Two years of tax returns when requested
- Self-employment or 1099 documentation, when applicable
Category 02 Assets & Available Funds
- Recent checking and savings account statements
- Investment account statements
- Retirement account statements
- Documentation for gift funds, when applicable
- Information about funds being used for closing
Category 03 Monthly Debts
- Credit card account information
- Auto loan or lease information
- Student loan information
- Personal loan information
- Other recurring financial obligations
Category 04 Current Real Estate
- Current mortgage statement
- Homeowners insurance information
- Property tax information
- Home equity loan or line-of-credit statement
- Lease agreements for rental properties, when applicable
Helpful tools for informed homebuyers.
Start with the resource that answers your biggest question today.
Path to Purchase
A guided overview of the mortgage process, preparation, and what to expect along the way.
Loan Options
Explore financing solutions for first-time buyers, veterans, construction, investment properties, and more.
Mortgage FAQs
Find straightforward answers to common questions about credit, pre-approval, mortgage payments, and closing.
Ask Our Team
Have a question specific to your finances or goals? Connect directly with our experienced mortgage team.
Estimate your monthly mortgage payment.
Adjust the purchase price, down payment, interest rate, and estimated housing expenses to explore what a potential monthly payment could look like.
Includes estimated principal, interest, taxes, homeowners insurance, and HOA dues. Mortgage insurance is not included.
This calculator is provided for educational and illustrative purposes only. Results are estimates and are not a loan approval, interest-rate quote, APR calculation, disclosure, or commitment to lend. Actual rates, payments, taxes, insurance, fees, and eligibility will vary based on the property, loan program, borrower qualifications, and current market conditions. Depending on the selected loan type and program, mortgage insurance may be required and would increase the monthly payment shown.
Local professionals we trust.
From lending and inspections to insurance, warranties, and home services, these are local professionals our team has come to know. Always research and select the provider that best fits your needs.
State Farm Insurance
Todd Shambo
Legacy State Bank
Wes Peters
Peaks and Gables Inspections
Jason Vaughn
Allstate Insurance
Sean Ellerbee
Bigham Pest Control
Jason Bigham
Atlanta’s Fireplace Guy
Scott Clawson
Country Financial
Brandon Pipkin
ACHOSA Home Warranty
Jennifer Bowen
The businesses listed above are independent third-party providers. This list is provided as a convenience and does not require you to use any particular company or service.
You bring the questions.
We’ll help build the plan.
Whether you are buying next month or simply beginning to explore, our team is ready to help you understand your options without pressure.