Step zero
Just running numbers
Use the calculator above. Nothing is submitted, nothing is tracked to you, and no one calls you.
Open the calculator
Atlanta, GA · Also licensed in AL, FL, SC and TN
Make your next move with a mortgage strategy built around you. I'm James Deal, and I'll help you understand your options so you can move forward with confidence.
A smart place to start
Explore a monthly payment or a potential home budget. Adjust the numbers to fit your situation, then we can talk through the details together.
Estimated monthly payment
Enter an interest rate
Use a rate you have been quoted, or call me and I'll quote one to your actual scenario.
The same house at nearby rates
Total monthly payment at the same price, down payment and term. Rates shown are illustrative steps around the rate you entered, not quotes.
Under 20% down your loan will likely include mortgage insurance. The figure above is a placeholder estimate. The real number depends on your credit score, loan type and down payment, so ask me for it.
Estimated price range
Enter an interest rate
Based on your income, your monthly debts and the rate you enter. A guide, not a pre-approval.
Assumes taxes and insurance at the rates set for this market, mortgage insurance where the down payment is under 20%, and the debt-to-income limit shown. Your actual limit depends on the program, your credit profile and underwriting.
Estimate for illustration only. Not a loan offer, a rate quote, or a commitment to lend. Excludes closing costs, prepaid items and certain fees. Your actual rate, payment and APR are determined by your credit profile, property, loan program and market conditions at the time you lock, and are disclosed on a Loan Estimate issued after you apply.
Where to begin
You do not have to be ready to apply to be worth my time. Pick whichever one is true today.
Rather just talk?
(404) 308-6262Step zero
Use the calculator above. Nothing is submitted, nothing is tracked to you, and no one calls you.
Open the calculatorMost people start here
Book a quick call and we'll walk through your goals, your timeline and the options that fit. You'll leave with a clear next step.
Request a callReady to move
About fifteen minutes online, and you can stop and come back to it. I call you once it is in.
Apply nowWhy buyers come back
The line that shows up most in my reviews is that the phone gets answered and the question gets a real answer the same day. That's the whole job as far as I'm concerned.
Conventional, jumbo, FHA, VA, USDA and the specialty programs a lot of lenders would rather not touch. Thirty years in, I'm not steering you toward the loan I'm most comfortable with. I'm picking the one that actually fits.
Some of my best files started as somebody else's declined loan. If you've already been told no, bring it to me before you give up on the house.
Loan options
You don't need to know which program you want before you call. Tell me your situation and I'll tell you which of these fits.
1 of 4
The standard path for buyers with established credit.
2 of 4
Government-backed loans for lower down payments or more flexible credit terms.
3 of 4
Financing above the conforming limit, for higher-priced homes.
4 of 4
Change the rate, change the term, or put your equity to work.
Built for every client
Self-employed, rebuilding credit, buying before you sell, or already told no somewhere else. These are the files I am set up to solve.
What happens next
Five steps, and you always know which one you are on.
In their words
Collected by Experience.com, from buyers and from the real estate professionals who send them.
James is amazing. Very easy to work with and always responds in a timely manner. Very reliable. Highly recommend!
This buyer had already gotten approved with VA lender and they could not close him. I took him to James and James got us to the closing table. Him and his team did an amazing job as always. Thank you James for another great experience!
My client was a business owner, which meant a lot more documentation. James handled it quickly and knew what to ask for from the start. Closed without a hitch.
James is the best! If you're looking to purchase a home, I would highly recommend calling him to get pre-approved. We have purchased two homes with him as our lender & will call him when we plan to purchase a third. Thank you James!
James and his team were a finely tuned mortgage machine! Communication was weekly or more. Availability was constant! My buyers and I knew what was happening every step of the way. It was a very smooth transaction. Thank you for your professionalism.
Resources
Built by our team, not licensed from a vendor. Use them before you talk to anyone, including me.
See what renting costs you over ten years against what owning the same home builds. Run on your numbers, not an average.
Request your analysis →
Your home tracked as a financial asset, with equity and value monitored long after the loan funds.
Open it →A free monthly value estimate on your home, with the equity you have built and what it could do for you. Powered by Homebot.
Open it →Short videos
Ninety seconds each, straight to the point.
Common questions
Gather these before you apply and underwriting stops being a guessing game. Open a section to tick items off, then print the list.
For real estate professionals
Many of the reviews on this page were written by agents. Here's what you get when your buyer is in my pipeline.
Let's work together
About
I hold a BBA in Real Estate and Finance from the University of Georgia, and I have spent my whole working life in the two fields it covers.
That experience matters most when a file is not straightforward. A self-employed borrower whose tax returns don't tell the whole story, a buyer another lender already declined, a program nobody thought to mention. Those are the calls I want.
I live in Lawrenceville with my wife Stephanie. We have two grown sons and four grandchildren.
Recognized across the industry
Get started
The application takes about fifteen minutes, and I'll call you once it's in. No obligation, and no pressure to move faster than you're ready to.
Or email jdeal@homeownersfg.com and I'll answer.