Explore mortgage options with Friends First Mortgage
Your premier mortgage lender located in Loganville, Georgia. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
-
Great experience working with James Gardner!!! He made my homebuying experience smooth and was there to answer any question or concern throughout the process. Highly recommend.
Shannon Floyd
James is the best loan officer I’ve ever worked with! He’s going to be my first choice on all the properties I’m planning to finance in the future.
Steven Cantrell
James & his team are absolutely phenomenal! This is my 3rd transaction with the Friends First team & it just keeps getting better & better. James is very punctual in... read more
Sherita Johnson
-
Contact James if you are buying a house. The entire process is explained, there are no surprises, and there is no pressure. James walks you through everything and delivers. Most... read more
D T
I want to take the time out to thank Mr. James Gardner and his team @ Friends First Mortgage. They were very attentive and professional throughout this process. Buying a... read more
Jamal Curtis
Handled it like champs. James and Sylvia made the whole thing smooth and simple.
Kyle Lites-Smith
-
"James has been an absolute rockstar throughout our home buying journey! With a decade-long partnership as teammates, he's consistently earned the title of MVP. Thanks again, James, for yet another... read more
Marcus Blake
Excellent company. As a real estate agent with over 15 years in the business, I would definitely recommend Friends First Mortgage. The process was smooth and easy for my clients... read more
Shuaib Abdussabur
I would certainly like to say I thank God for having Aaron Blake as my mortgage broker. He held my hand every step of the way, answered all of... read more
Teresa Ingram
-
As a first time homeowners the entire process of buying a house can seem completely overwhelming but our agent James with Friends First Mortgage made the process so much easier... read more
Laneisha Theodore
James was amazing. He made the house buying process smooth, easy and comfortable. He was available and helpful.
Dana Menefee
It was a pleasure working with James! He was very thorough, communicative and fast! We received our clear to close on a VA loan in less than 3 weeks! Thank... read more
Kim Little
