MORTGAGE CONSULT · ATLANTA METRO

Your Next Chapter:
Let’s Finance It.

Your mortgage loan officer in Alpharetta, Roswell & North Atlanta.

Buying your first home, refinancing, tapping into equity, or navigating a complicated financing scenario? Work directly with Mike Graves at Neighborhood Mortgage to explore conventional, FHA, VA, USDA, and specialty lending options that fit your goals.

Talk With Mike Apply Securely

850-830-2566mike@nloans.net

Mortgage guidance with Mike Graves · NMLS #1992057
Financing through Neighborhood Mortgage, Inc. · NMLS #138234

Classic cream-colored home with a welcoming porch in warm afternoon light

01 / HOMEOWNERSHIPI’m buying or refinancing ↗Find a starting point.02 / SELF-EMPLOYEDMy income is different ↗Explore documentation options.03 / INVESTINGI’m buying a rental ↗Talk property and cash flow.04 / CONDOMINIUMSI have a condo question ↗Look beyond the individual unit.

WELCOME TO MORTGAGE CONSULT

Your goals.
A clearer way forward.

Good mortgage decisions begin with understanding your options.

Explore financing for home purchases, refinancing, rental properties and new construction, along with documentation paths for self-employed borrowers and a dedicated focus on condominium financing.

When you’re ready to discuss your own situation, connect with Mike Graves. Mortgage applications and origination are handled through Neighborhood Mortgage, Inc.

Meet Mike, the person behind Mortgage Consult ↗

PRACTICAL HELP, BUILT AROUND YOU

Six ways to move
your plans forward.

From a straightforward purchase to a scenario that needs a closer look, start with what you want to accomplish.

Buy with a plan.

First home or next home, compare financing around your budget, available cash and the property you have in mind.

Explore home purchase options ↗

Explore the equity in your home.

Compare a HELOC with cash-out refinancing around the funds you need, your existing mortgage and your repayment plan.

Explore HELOCs & equity options ↗

Make room for a different income story.

Explore conventional documentation alongside eligible bank statement, P&L and no-ratio options.

Compare documentation paths ↗

Think beyond the next rental.

Discuss the property, cash flow, available funds and financing structure in the context of your investment plans.

Explore investment financing ↗

Look beyond the condo unit.

Bring the mortgage and project questions forward early, with a separate consulting connection through Condo Consult.

Explore the condo specialty ↗

Build with the financing in mind.

Start with your land, builder, plans and budget, then discuss the path from construction to permanent financing.

Plan your construction financing ↗

A SPECIAL FOCUS: CONDOMINIUMS

The unit is only
part of the story.

Condo financing also raises questions about the association, building and project documentation. Address those questions early, before they become closing-day surprises.

My growing condo focus connects mortgage guidance with the separate project consulting resources at Condo Consult.

Explore condo financing Visit Condo Consult ↗

THE CONDO CONVERSATION

A clearer view of the project.

A starting framework for identifying which questions need a closer look.

Budget & reserves01

Master insurance02

Project eligibility03

Association documents04

Consulting supports the review. The lender makes the financing decision.

HOW WE WORK TOGETHER

Clear questions.
Practical next steps.

You don’t have to know which loan to ask for. Bring your goals, your questions and the details you have.

Get ready for the conversation ↗

Talk through the bigger picture.

Your timeline, property, budget and priorities shape where we start.

Compare the relevant paths.

We discuss documentation, cash needs, costs and the tradeoffs that matter to you.

Build a plan for the next step.

Move toward an application or a focused scenario review with a clearer understanding of what comes next.

FIND YOUR STARTING POINT

What brings you here?

Choose the situation closest to yours. This is a conversation starter, not a qualification decision.

HOME PURCHASE

Start with a side-by-side loan conversation.

Discuss conventional, FHA, VA or USDA options as applicable, together with your cash, payment and property goals.

Compare your starting points ↗

PLAN WITH A CLEARER PICTURE

What could your monthly payment look like?

Adjust the assumptions to explore a budget. The rate below is an illustrative input, not a current rate offer.

ESTIMATED MONTHLY HOUSING COST

—

Based on your assumptions

Principal & interest—

Property taxes—

Homeowners insurance—

HOA + mortgage insurance—

How this estimate is calculated

Loan amount = price × (1 − down payment ÷ 100). Monthly rate = annual interest rate ÷ 100 ÷ 12. Number of payments = years × 12. Principal and interest = loan amount × monthly rate ÷ [1 − (1 + monthly rate)^{−number of payments}]. At a zero rate, principal and interest = loan amount ÷ number of payments. Add annual taxes ÷ 12, annual insurance ÷ 12, monthly HOA dues and the mortgage insurance you enter. Calculations retain full precision; displayed dollar amounts round to the nearest dollar.

A CLIENT’S PERSPECTIVE

The experience
matters, too.

Feedback about Mike, Kit and the Neighborhood Mortgage team, published on the company’s review page.

Read the company’s client reviews ↗

As first-time homebuyers, they were incredibly patient and made sure we understood our options every step of the way.

Abigail DiMassimoReview of Mike, Kit and the Neighborhood Mortgage teamRead the full review ↗

LET’S CONNECT

A question is
a good place to start.

Tell me what you’re working toward. You don’t need to have the program picked out or every document ready before we talk.

850-830-2566 mike@nloans.net

Prefer to move ahead with an application?

Open secure application

Tell Mike a little about your plans.

Prepare your message, then review and send it from your email app.

A FEW COMMON QUESTIONS

Let’s make the next step easier.

Do I need to know which loan program I want?

No. Start with your goals and financial picture. We can discuss the relevant options and explain what each approach would require.

Can we talk before I complete an application?

Yes. Call or email Mike to discuss your situation first. An application can follow when you are ready to move forward.

What if my income doesn’t fit a traditional pay stub?

Self-employment, investment activity and other financial circumstances may call for a different documentation conversation. Explore bank statement, P&L and no-ratio options, subject to the actual program requirements.

Why does a condo need a separate conversation?

The lender may need to evaluate the project as well as the borrower and unit. Starting early helps identify the relevant documents and unanswered questions. Read the condo guide.

Where do I complete my application?

Mortgage applications are handled through Mike Graves at Neighborhood Mortgage using its eTrafficers portal. Start an application or sign in to an existing account. Condo Consult provides separate project consulting.

A CLEARER NEXT STEP

Tell me where you want to go.
We’ll talk through how to get there.

Buying, refinancing, investing or navigating a condo question? Start with a conversation.

Talk with Mike Or call 850-830-2566

Local guidance. Room for a more complicated scenario.

Alpharetta

Mortgage purchase, refinance and specialty guidance from Mike’s Alpharetta office.

Explore Alpharetta financing ↗

Roswell

Financing guidance for Roswell buyers and homeowners, served from Alpharetta.

Explore Roswell financing ↗

Gainesville

Purchase, refinance and specialty guidance for Gainesville and the Hall County corridor.

Explore Gainesville financing ↗

Buford

A property-specific financing conversation for Buford and the Gwinnett–Hall corridor.

Explore Buford financing ↗

Atlanta

Home purchase, refinance, condo and specialty financing guidance for the city proper.

Explore Atlanta financing ↗

Qualification help

A practical starting point for income, credit, rental-property and condo questions.

Discuss My Scenario ↗

Your Next Chapter:Let’s Finance It.

Your goals.A clearer way forward.

Six ways to moveyour plans forward.