Toby Lane, Mortgage Loan Officer | NMLS# 204255

Your Path to Smart Mortgage Solutions

Making Homeownership Simple and Clear

About

Empowering Your Home Financing Journey

As a licensed Mortgage Loan Officer in Georgia, I guide clients through residential and investment financing with clarity and confidence. Currently Serving Georgia, South Carolina, North Carolina, Alabama and Florida

Transparent Communication

Each step is outlined with clarity and honesty.

Personalized Loan Solutions

Each client’s circumstances are different — so is my strategy.

Fast, On-time Closings

Helping you stay on course with your home goals.

Loan Programs | Offer

Tailored Financing Options

Conventional

FHA

VA

Refinance

Conventional

Conventional loans are mortgages not backed by the government, offered by banks and lenders. They typically require good credit, stable income, and a manageable debt-to-income ratio. Down payments range from 3% to 20%+, and private mortgage insurance applies under 20%. Options include fixed-rate and adjustable-rate terms, for primary, second, or investment properties.

FHA

FHA loans are designed for first-time buyers or those with lower credit scores or smaller down payments. Backed by the government, they offer more flexibility and are ideal if you're just getting started or looking for a more accessible path to homeownership.

VA

VA loans are exclusively for veterans, active-duty service members, and eligible spouses. With no down payment, no private mortgage insurance, and competitive rates, they’re a well-deserved benefit for your service.

Refinance

Refinancing replaces your current mortgage with a new loan to lower your rate, change the term, or tap home equity. Homeowners refinance to reduce monthly payments, switch from adjustable to fixed rates, or consolidate debt via cash-out refis. Closing costs apply, and savings depend on credit, equity, loan size, and how long you’ll keep the home.

Get Pre-Approved

Find the best

Program

With a broad selection of loan programs and lenders, I help you secure the mortgage that aligns with your goals — whether it’s your first home, an upgrade, or a refinance. I’ll walk you through each step and evaluate your options to ensure the best possible terms.