FAQ

To determine how much home you can afford, we look at your income, debts, credit profile, and available down payment. At Atlanta Georgia Mortgages, we use these factors to help you find a comfortable monthly payment that fits your financial goals.

A common guideline is the 28/36 rule: your housing costs (mortgage, taxes, insurance) should stay below 28% of your gross monthly income, and your total monthly debts (including the mortgage) should not exceed 36%.

With 25 years of experience, I’ll guide you through this process, explain your options clearly, and help you identify the right loan program — whether it’s a Conventional, FHA, VA, Jumbo, Renovation, or Refinancing solution.

Liabilities are any recurring debts or financial obligations that affect your ability to qualify for a mortgage. Common examples include:

Credit card payments

Car loans

Student loans

Personal loans or lines of credit

Child support or alimony payments

Other monthly debts

At Atlanta Georgia Mortgages, we consider your liabilities alongside your income to determine how much home you can comfortably afford and guide you to the right loan program for your situation.

The minimum FICO credit score for a Conventional Loan is typically 620. However, higher scores can help you secure better interest rates and more favorable loan terms.

At Atlanta Georgia Mortgages, I’ll review your credit profile and guide you to the best loan options, ensuring you have the most competitive terms available.

You do not need to be a U.S. citizen to qualify for most mortgage loans. Many lenders offer programs for permanent residents, visa holders, or non-citizen borrowers with a valid Social Security number and proof of income.

At Atlanta Georgia Mortgages, I can review your situation and help you find the right loan program, whether you’re a citizen or non-citizen, to make homeownership possible.

Yes, disputes on your credit report can impact your ability to get a loan. Lenders typically review your credit history carefully, and unresolved disputes may temporarily lower your credit score or delay the approval process.

At Atlanta Georgia Mortgages, I’ll help you understand how disputes might affect your application and guide you on steps to resolve them, so you can secure the best mortgage options available.