65 Roswell Street.Suite 500.Alpharetta GA.30004
  • Steve Beecham
    President, Home Town Mortgage : NMLS #166799

There’s No Place Like Home.

Home Town Mortgage has served the Alpharetta community since 1996 and is the oldest continually operating mortgage brokerage firm in the north Fulton area.

The company’s success is built on trust, established through exceptional customer service. Steve Beecham and his team have a genuine concern for every customer’s needs, and they offer 24/7 availability and in-person assistance throughout the loan process. The goal is to delight everyone who walks through their door.

Steve Beecham is the Owner and President of Home Town Mortgage and has over 20 years of experience in the mortgage business. He has consistently ranked as one of the top mortgage brokers in the state of Georgia and has served as President of the Georgia Mortgage Brokers Association. Steve serves on several non-profit boards in the area and is known as the “mayor of his village”, referring to his art of connecting people, both personally and professionally. He has written a book on networking, Bass-Ackward Business: The Power of Helping Without Hustling, and enjoys traveling around the country speaking to corporate and civic groups on the subject.

June 10, 2016

We have covered this topic in other newsletters but it's a story worth repeating. The biggest market for Home Town Mortgage continues to be your kids - and I'd like to thank you for that! The children of my friends, family and associates represent the majority of the home buyers we are seeing and it's partly because they are at the sweet spot of the market with lots of inventory available.  Not a lot happening in the higher end of the market right now.

Millennials are 18-34 years old and were born 1980-1995. Some are now graduating from college and with a stronger economy are finding good jobs. Most of them are starting out in the $30-50k range and when I see them they are just starting to nest. They are engaged or already married and thinking about starting a family. The good news is they are qualifying at an income level that is hopefully only going up, so it's a safe bet for them to buy without fear of overextending.
The standard rule of thumb is that you can buy 3-4 times your annual income. So If one makes $30k and the other makes $40k, the couple could qualify for a $210k-$280k house. Many of the couples we see are earning $40-$60k each and are qualifying for a $300-$400k home. This gives them a lot of opportunity to buy most anywhere and stay put for a while.

I'll continue my Millennial Love in the next edition.  Have a great weekend!




Keith Urban ripCORD World Tour
June 11, 2016
7:30 PM
Verizon Wireless Amphitheatre at Encore Park

Keith Urban With Brett Eldredge And Special Guest Maren Morris.

An Evening with Edwin McCain
Saturday, June 11
8:00 PM
Roswell Cultural Arts Center

Edwin McCain's voice is everywhere. At any given moment, a radio station is playing one of his songs. An American Idol hopeful is belting out "I'll Be." A newlywed couple is dancing to "I Could Not Ask for More." McCain's innate ability to write and perform songs that somehow every listener claims as their own has made him one of the most enduring and downright likable entertainers of our generation.

Smith's Olde Bar

Gareth Asher and the Earthlings
Saturday, June 11
8:00 PM
Smith's Olde Bar

"Gareth has the most soulful voice I have ever heard. The first time I heard his music I just had to stop and take it in. I imagine that is what it was like for those who heard Ray Charles or John Lennon for the first time." - Holly Firfer (92.9 Dave FM On-Air, Atlanta & Company)


City of Alpharetta residents have an opportunity to have their household hazardous waste and paint either recycled or properly disposed of through a one-day recycling collection event Saturday, June 11 from 9am to 1pm.  Common items to be accepted include paint and paint related substances, gasoline that isn't usable, home and garden chemicals, poisons, and many other substances.  
Important: This collection requires pre-registration.  

Learn more here.

Steve Beecham
NMLS #166799
President, Home Town Mortgage
NMLS #164609
65 Roswell Street, Suite 500
Alpharetta, GA  30009

June 10, 2016

30 Yr Fixed - 3.625% (APR 4.125%)

15 Yr Fixed - 3.0% (APR 3.5%)

30 Yr JUMBO - 4.0% (APR 4.5%)

Rates may change or not be available at the time of loan commitment or lock-in

Nobody has the scoop like we do!

Thank you to EVERYONE for all the work you have put into making this happen for us. We are so excited to have our 1st home and can’t wait to move in!