Georgia · Florida · South Carolina · Alabama · Tennessee
More educated.
More motivated.
More confident.
That is the order it happens in
I am Mike Garrett. For 25 years I have done one thing differently: I explain the whole picture before you commit to any of it, so you are deciding rather than hoping.
My team and I write conventional, FHA, VA, USDA, jumbo, self‑employed, physician, and investor loans across five states, from our office outside Atlanta.
How this actually goes
We talk first
Before any application. You tell me the situation, I tell you what is realistic and what it costs.
You get pre‑approved
A real underwritten pre-approval, not a soft estimate that falls apart at contract.
You hear from us weekly
In writing, whether or not anything changed. You never wonder where it stands.
You close
No surprises at the table, because everything got explained on the way there.