We simply offer personalized customer service, competitive mortgage rates and a wide variety of mortgage lending programs. As a licensed direct mortgage lender in North Carolina we offer a wide range of home mortgage options including FHA, VA, Conventional (Conforming and Jumbo) and HARP mortgage programs to suit your individual real estate financing needs.

"Since 2001 my goal has been to offer only the highest quality professional mortgage financing services."
 Jasmine Krnjetin - Loan Officer - Silverton Mortgage Specialists, Inc.

"A+" Rated by the Better Business Bureau
 "Top Loan Originator" 2012 Scotsman Guide
 Member National Association of Mortgage Brokers
 "Top Mortgage Performer" Atlanta Business Chronicle
 "Top Gun" Mortgage Award Mortgage Broker Association
 One of North Carolina's oldest direct mortgage lending firms

Core Values and Beliefs

- We respect the individual, and believe that individuals who are treated with respect and given responsibility respond by giving their best.
- We require complete honesty and integrity in everything we do.
- We make commitments with care, and then live up to them. In all things, we do what we say we are going to do.
- Work is an important part of life, and it should be fun. Being a good business person does not mean being stuffy and boring.
- We are frugal. We guard and conserve the company's resources with at least the same vigilance that we would use to guard and conserve our own personal resources.
- We insist on giving our best effort in everything we undertake. Furthermore, we see a huge difference between "good mistakes" (best effort, bad result) and "bad mistakes" (sloppiness or lack of effort).
- Clarity in understanding our mission, our goals, and what we expect from each other is critical to our success.
- We are believers in the Golden Rule. In all our dealings we will strive to be friendly and courteous, as well as fair and compassionate.
- We feel a sense of urgency on any matters related to our customers. We own problems and we are always responsive. We are customer driven.

Here is just part of what we do to achieve our goals and to help make the financing of your home proceed as smoothly as possible:

- Discuss and explain different lending options and programs that may best fit your qualifications
- Analyze your income and debt and pre-qualify you to determine the loan products that may best fit your qualifications
- Assist you with the loan application and necessary paperwork
- Collect financial information and other related documents that are part of the application process
- Provide financial disclosures pertinent to your loan application
- Secure the loan program and rate to suit your specific needs
- Obtain a Residential Mortgage Credit Report and verify the credit information
- Coordinate the appraisal process and review the final appraisal to ensure it meets the lenders requirements
(You will receive a copy of the appraisal)
- Research, verify and evaluate the employment and income history as needed
- Verify source of funds and/or deposits to close as needed
- Coordinate the approval process through Fannie Mae or Freddie Mac
- Inform you of any conditions to be satisfied prior to final loan approval or closing
- Coordinate the title search and arrange for title insurance to be issued
- Coordinate with the closing attorney any liens on the property to be paid
- Contact your insurance agent and secure homeowners insurance on the property
- Schedule and coordinate the closing with all parties to the transaction
- Inform you as to what to expect at the closing and how the closing process works
- Review the HUD 1 Settlement Statement and mortgage loan documents for accuracy prior to the closing
- Attend the closing or arrange to be available by phone
- Maintain regular contact with all parties to the transaction between the time of application and closing

Tip of the Day

No Cost Refinancing

"No Cost" Refinancing refers to a type of financing whereby the borrower is not required to pay any of the normal closing costs associated with obtaining a new mortgage. There are always fees associated with obtaining a mortgage, Loan Origination, appraisal, credit report, attorney fees, Title fees, etc. These costs must be paid by someone. In the case of a "No Cost" refinance the lender will agree to pay these fees in exchange for charging the borrower a higher than normal rate of interest for the life of the loan. Depending upon the size of the new loan the additional rate of interest may range from .50% to 1.0% or more.

The "No Cost" refinance may make sense if you only plan on keeping the mortgage for 1-2 years. Typically it makes more sense to pay the closing costs (or roll the closing costs back into the loan), and obtain the lower interest rate. You may want to obtain a Good Faith Estimate for both options then evaluate the total interest that will be paid over the time you plan on keeping the mortgage.

877.815.5733 or 678.612.8100
contact us

Silverton Mortgage Specialists, Inc. 1027 Monroe Drive NE, Suite B, Atlanta, GA 30306

Silverton Mortgage Specialists, Inc. founded in 1988 (NMLS 109600) is a direct lender covering the Southeastern United States. Our Corporate Office is located in Atlanta, Georgia with 9 branch locations throughout the Southeast.

We are a licensed mortgage lender in: Alabama Consumer Credit License (20528), Georgia Mortgage Lender License (14123), North Carolina Mortgage Lender License (L-111493), South Carolina-BFI Mortgage Lender / Servicer License (MLS - 109600), Tennessee Mortgage License(3807), Florida Correspondent Lender License (CL0800113). Equal Housing Lender.

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