When shopping for a mortgage, we advise you to apply to at least three (3) lenders. Inform each lender that you are a first-time home buyer and ask them about their current Down-Payment Assistance (DPA) program(s) and SPARC (Sponsoring Partnerships and Revitalizing Communities) interest rate reduction grants. Making at least three applications gives you options, allowing you to choose the best mortgage loan for you, and encourages lenders to give you their best deal up front. Be sure to ask each lender for an itemized list of fees and compare their offer, down-payment assistance, and fees for the best deal!

We recommend you complete and submit all of your applications within a fourteen (14) day period. This will allow you to receive and evaluate all of the applications and minimize any impact to your FICO score. It will also give you ample time (another two weeks) to receive and give careful consideration to their offers. Below is our list of preferred lenders. Select any three (3) lenders and contact Housing Services to get a referral for mortgage pre-approval or mortgage pre-qualification.:

	Leanne Crist Movement Mortgage NMLS #453197 SPARC		Ronetta Sykes First Home Mortgage NMLS #1490145 DPA, SPARC
	Christian Harris Southern Trust Mortgage NMLS #2511943 SPARC		Latisha Brown Atlantic Union Bank NMLS #1435398 DPA, SPARC
	Judi Jurey Truist Home Mortgage NMLS #415292 DPA, SPARC		Marion Uzzle Fulton Mortgage NMLS #211283 DPA, SPARC
	Sereva Manuel Homespire Mortgage NMLS: #739808 Chenoa, SPARC		Shawnte Williams ABNB Federal Credit Union NMLS #664487 DPA
	Barry Sharif Harvest Commercial Funding NMLS #528759 Commercial R/E Loans		James Adamson Ameris Bank NMLS #455833 DPA, SPARC
	Kelly Stevenson Atlantic Bay Mortgage Grp NMLS #1449508 DPA, SPARC		Gnorae Wright Fidelity Direct Mortgage NMLS #64340 F/F, Link, Non-QM, SPARC

When shopping for a mortgage lender, your should also take the time to investigate any and all down-payment assistance and closing-cost assistance programs you may be eligible for. See the Down-Payment Assistance Programs page for potential grants and other resources.

Once you have secured pre-approval, and decided the best financing, select your real estate team.  Visit our Real Estate Affiliate page to review the profiles of our real estate professionals, then let us know which real estate (buyer’s) agent you would prefer to work, along with your home inspector, insurance, and closing/settlement service providers and we will issue the appropriate notices to contact you promptly..