• Free special reports:
Reports like, Ten Simple Steps You Can Take to Ensure Your Home Sells at Top Dollar click for more...

• The loan process... easy as 1 2 3:
The Family Mortgage 8 step purchaes process, 1 - Shop around and do you homework, have good faith estimate click for more...

• Investigating your overall goals:
We take a consultative approach to click for more...

• The 3-Step Mortgage (more home – less payment)
Family Mortgage coined the term as a way to introduce you to the advantages of this unique product. It acts like an adjustable rate mortgage but it’s really a fixed rate mortgage click for more...

• Rate lock commitment:
When can i lock my rate? Unlike many lenders, Family Mortgage will lock your interest rate as soon as we have click for more...

• Qualifying for two Loans:
Sometimes, either by choice or for reasons out of your control, you find yourself trying to buy a new house before you sell the one you are living in view more...

• Down payment options:
This section will cover three distinctly different types of loans; conforming, non-conforming and sub-prime. Let’s look at them one at a time. Conforming loans are click for more...

• No closing cost home purchase:
You have probably heard about No Closing Cost Refinances but not No Closing Cost home purchases. That is because very few click for more...

• Financing considerations when negotiating your contract:
Seller contribution limitations, Who pays for the click for more...

• Working with a real estate agent:
We have a sister company Thompson Evans Realty, when you chose to work with both Family Mortgage andclick for click for more...

• Insurance
Knowing Your Homeowners Insurance Policy Is VERY Important. When was the last time you curled up with your homeowner's insurance policy for a good read? Insurance policies -- like proprietary leases, credit card terms and warranties for major home appliances click for more...

• Do I need to do an inspection
Purchasing a new home is an exciting as well as stressful event in one’s life. Whether it be new construction or a resale, you should always protect your investment by hiring a professional, code certified Home Inspector. How can you be certain you hire a home inspector with these credentials? Easy! click for more...

• Appraisals
A home purchase is the largest, single investment most people will ever make. Whether it's a primary residence, a second vacation home or an investment, the purchase of real property is a complex financial transaction that requires multiple parties to pull it all off click for more...

• The loan Shopping List
a,k,a. 10 Things Other Lenders Don’t Want You to Know! click for more...

What is the difference between an Appraisal and a Comparative Market Analysis (CMA)?

Simply put, the difference is night and day. The CMA relies on vague market trends. The appraisal relies on specific, verifiable comparable sales. In addition, the appraisal looks at other factors like condition, location and construction costs. A CMA delivers a ''ball park figure.'' An appraisal delivers a defensible and carefully documented opinion of value.

But the biggest difference is the person creating the report. A CMA is created by a real estate agent who may or may not have a true grasp of the market or valuation concepts. The appraisal is created by a licensed, certified professional who has made a career out of valuing properties. Further, the appraiser is an independent voice, with no vested interest in the value of a home, unlike the real estate agent, whose income is tied to the value of the home.

In the State of Georgia, another significant factor is that the real estate agent will not generally have access to square footage of your house or of nearby comparable sales. Without square footage, a CMA really is just a “ball park” idea at best

“I’ve never worked with a company that so clearly shows a desire for referrals and return business. Every company should act as you do!”  Mark Queen

“As first-time home buyers, we expected a very complicated mortgage process, but Family Mortgage explained everything and kept our best interests in mind at all times.” Robert and Michele Hamm

“I had always thought buying a home was going to be tough – you guys made it the opposite!”  Manmohan Khuman

“It was a fast, easy refinance! Wioth all the poor service out there, Family Mortgage was a breath of fresh air!” Bobbi Cocci

“I have only great things to say about how you all do business. You really made it so easy for me, and didn’t make me feel like I didn’t know what I was doing, (which I didn’t, I learned a lot)! Thank you!”  Amber Ludwig