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 FL, NC, SC and TN
Make your next move with a mortgage strategy built around you. I'm Joe Duston, 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?
(770) 355-8302Step 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.
A home has a move-in date attached to it. We work backward from that date rather than toward it, and we've closed files in as few as 17 days when the situation called for it.
I came to mortgage from investment banking and financial advisory. The conversation isn't only about this loan, it's about how it fits everything else you're building.
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.
Joe is always attentive to the needs of our buyers. We could not ask for better service! On a scale of 0–10, Joe is an 11!
Joe was a fantastic communicator throughout the entire process, always responsive, clear, and proactive in keeping everyone informed. The loan came together on time, and we closed on time without any hiccups. As a real estate professional, having a mortgage partner I can rely on makes all the difference.
Joe and his amazing team worked overtime this past week, getting 2 difficult deals done on time! Most lenders wouldn't have been able to close these deals at all! He never lets me or my clients down.
Joe and his team were very communicative and upfront with requirements for us to get closed in 17 days. They were all helpful and professional and got the deal closed for us.
Joe walked me through every step of the process. He was always available to answer everything, and was quick to respond.
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
Buying a home is one of the largest financial decisions most people ever make, and it deserves more than a rate sheet.
My team and I are built around communicating with you the whole way through: before, during, and long after the loan closes. You will not have to chase us for an answer.
I was born and raised in Metro Atlanta, graduated from the University of Georgia, and live in Alpharetta with my wife and our five children.
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 teamduston@homeownersfg.com and I'll answer.