HOME TOWN MORTGAGE
STEVE@HOMETOWNMONEY.COM | 770.634.2531
65 Roswell Street.Suite 500.Alpharetta GA.30004
  • Steve Beecham
    President, Home Town Mortgage : NMLS #166799

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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.

Which one of these sounds like you?

“Do I qualify?”

Paying rent is not a good long-term strategy. You know that but you’re not sure what price house you can afford or what the monthly payment would be.

Meet Beech!

I can help you figure out what you qualify for and how much money you will need in about three seconds!

But you also need to know how the process works.  How much down payment money will you need?  Can you use gift money or your 401k?  What do you need to know about dealing with a real estate agent vs going it alone with a For Sale by Owner listing?

Contact Beech now.

Then move into your dream home and stop giving somebody else your money. The next Super Bowl Party is at your house!

“I Own my Own Business!”

“I make really good money but I have a good accountant. I’m afraid I don’t show enough income to buy the house I want.”  Sound familiar?

Beech can help!

Lots of my customers are self-employed like you. I own several businesses myself and even guest lecture on entrepreneurship at local colleges, so I feel your pain. The first thing we need to do is look at your tax returns (all pages). I can usually find a way, or at least build a plan, to get you in that house. We even have loans that qualify you from your bank statements.

Email Beech right now!  Let me know when you can drop that return by or send it over using a secured link.

Don’t stay in that old house when you can get a new house that would be perfect for the next office party!

“I’m a Rock Star (but I’m cheap)!”

Are you someone who says, “I just want the best deal?” Great, go on line and find the cheapest thing you can find. The only way those companies can survive is by being the cheapest. But you will probably have 3-5 different people working on your loan and when you need to reach someone, you won’t be able to.  And I hope you close on time because I would hate to see you cancel the moving truck and have to tell your friends it didn’t work out.

Or Call Beech at 770-634-2531!

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.


In case you missed it....


The Straight Shooter

July 21, 2017 

U.S. MARKET NEEDS MORE HOMES TO SELL

Here is an interesting perspective on today's housing market from Lawrence Yun, chief economist of the National Association of Realtors.

With home prices rising so quickly, are we experiencing another housing bubble?
The demand is quality demand this time versus funny demand 10 years ago. Related to the supply, there was an overproduction. Homebuilders were adding over 2 million housing units per year 10 years ago. Today, we are only slightly above half that level. The limited supply is clearly implying that we are not seeing any oversupply with impending price declines. So, it is fundamentally different, both demand and supply.

How would you judge the relative affordability of homes right now?
Where a middle-income person in the past may have been able to buy a median-priced home, that is no longer the case. That is the reason why it is contributing to this historic low homeownership rate that we have been stuck at for the past year, essentially at a 50-year low. So, affordability is much more challenging, and that should be a very big worry for the country as a whole.

Any encouraging news?
Homeowners are indicating that it is a good time to sell. Now the question is, will they act on their sentiments? For some people in markets with a very tight supply, there are people who may consider listing, but then they hesitate. They wonder if they sell their home, will  they be able to buy another property in the same market.


ATLANTA ICE CREAM FESTIVAL

The Atlanta Ice Cream Festival was founded in 2010 out of a desire to provide family fun the entire community could enjoy. This fun event features America's Favorite Dessert - ICE CREAM - but also includes a variety of health and wellness engagement activities, fitness routines, food & non-food vendors, live local musical entertainment and even a morning 5k Fight Cancer Walk. 

Come enjoy America's favorite dessert, BUT also be ready to learn how to maintain a well balanced lifestyle all year long. 

July 22, 2017
11am to 6pm
Piedmont Park


AN OREO UPDATE FROM AFUMC

Alpharetta Methodist, you truly are a "roll up your sleeves and get things done" church family! You (and the community) answered the call, and now the last of 5 TONS of Oreos are being sent to men and women in the armed forces deployed on the other side of the world. Thank you for caring and praying for our troops, writing them notes of encouragement and contributing to Operation Oreo so they can enjoy a small taste of home.

Watch for notes and photos from the service men and women who get the Oreos. We'll post those online as we receive them. 


RATES
August 4, 2017

30 Yr Fixed - 4.125% (APR 4.625%)

15 Yr Fixed - 3.5% (APR 4.0%)

5/1 ARM - 3.5% (APR 4.0%)

30 Yr JUMBO - 4.5% (APR 5.0%)

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!

Meghan M.