Atlanta’s Mortgage Broker:
Affordable, Quick, and Understandable
Mortgages
Atlanta’s Mortgage Broker:
Affordable, Quick, and Understandable
Mortgages
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Check your rate without applying!
We’ve made a bold decision to showcase our interest rates (the lowest Atlanta mortgage rates) directly on our website.
How many mortgage companies actually display their rates online? Almost none.
Home Loans in Atlanta, GA
Text, Email, and Phone or Meet In Person
You don’t have to come by our office to be “sold” on using us. Just give us a call to see if we’re a good fit. The rest of the process can be done electronically or in-person.
Get The Right Mortgage
We work with over ten lenders at any given time. Each lender has a handful of loan options they offer. We help you navigate what the best choice is for you.
We're With You From Application to Close
We sit side-by-side with you at almost every single one of our closings. From beginning to end we’re there for you.
What sets us apart.
Low rates. We’ll beat anything put in front of us.
No appraisal, credit report, or underwriting fees.
We work to make sure your house and mortgage are the right fit for you.
No more wet signatures. You can eSign 99% of the docs we send.
For Example
Standard Mortgage Loan Fees
Underwriting Fee
Appraisal
Credit Report Fee
Underwriting Fee
Appraisal
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Our Fees
Underwriting Fee
Appraisal
Credit Report Fee
Make your dream home a reality
We want you to be excited about your new home. The home-buying process is stressful, but one of our main goals is to take the stress out of the home loan process.
One way we do that is by offering a streamlined, compassionate process that leaves you with more answers than questions.
Additionally, we try to limit your out-of-pocket expenses. A down payment, attorney fees, and a promise to pay a mortgage note are enough. We don’t want to stack anything on top of that we don’t have to.
Why Us?
We’re here with you in Atlanta. Well, we’re based in Smyrna technically, but our hearts are in Atlanta. Want to meet for coffee to discuss options? We love good coffee.
But we don’t force in-person meetings on you. We’re happy to chat on the phone and do screen sharing conferences to give you an understandable quote. Also, everything we do is eSignable. Because it’s 2019.
We’re signed up with many lenders. We want to pair you with the one that’s right for you. We’ll lay out all the options for you and help you make a decision about what loan is right for you.
Sean Grapevine
Owner, Loan Officer
Originally from Decatur, Sean has years of experience in the mortgage industry. Sean started ATL Mortgage specifically to work with clients who seek a simpler, more honest mortgage process.
Sean started his professional career as a cook in various Decatur eateries (Brick Store and Leon's to name a couple) while studying at GSU and then Emory. However, he stumbled into the mortgage industry years later and loves the customer service, financial, and problem-solving aspects of it.
NMLS: 1286889
Sean Grapevine
Owner, Loan Officer
Originally from Decatur, Sean has years of experience in the mortgage industry. Sean started ATL Mortgage specifically to work with clients who seek a simpler, more honest mortgage process.
Sean started his professional career as a cook in various Decatur eateries (Brick Store and Leon's to name a couple) while studying at GSU and then Emory. However, he stumbled into the mortgage industry years later and loves the customer service, financial, and problem-solving aspects of it.
NMLS: 1286889
Frequently Asked Questions
Who is ATL Mortgage?
We’re a mortgage brokerage. This means we work with almost a dozen lenders. We have no loyalty to any of them and will happily play them against each other to your benefit.
What are the fees associated with ATL Mortgage?
We actually pay the appraisal fee for you. As well the fee to run your credit. Oh, and we also don’t charge an underwriting fee or processing fee. The only fees from us you’ll be on the hook for are any discount points and the prorated interest charge for the rest of the month you close in.
What kind of loans do you do?
Here’s what we don’t do: we don’t do subprime mortgages; we don’t do a lot of Adjustable Rate Mortgages; we don’t help with rent-to-own; and we spend minimal time helping with credit repair.
We do originate: conventional loans, FHA, VA, USDA, jumbo loans, renovation loans, refi’s, cash-out refi’s, and, most importantly, we bring on any loan product that may help you when you need it.
How quickly can you close a loan?
Real quick. Here are current turn times:
- Conventional: 18 Days
- FHA: 22 Days
- USDA/VA: 27 Days
- 203K Renovation: 32 Days
- Jumbo: 27 Days
Do I have to come to your office?
Nope. Nor do you have to have one of those sit-down meetings in your home or the local coffee shop if you don’t want to. It’s actually possible to get a mortgage almost entirely online. But we’d really love to talk to you about it either online, over the phone, or in person.
Do you negotiate?
Show us a better offer for your scenario and we’ll beat it or die trying.
Home.
Latest Blog Posts
Why Saving Money At Closing Matters
ATL Mortgage isn't your average brokerage. We don’t spend money on advertisements, or fancy marketing campaigns. In fact, if you follow us on Instagram you know that we share with you current rates and information that other lenders hide. Why do we do that? Because we...
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Why You Should Move To Smryna, GA
Looking to live in Atlanta? So you are looking to buy a house in the Atlanta area but you don't know where to start? We may be a little biased, but we here at ATL mortgage think that Smyrna, GA is the greatest place to live and work! It’s number 20 on the Niche best...
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The Best Certified Financial Planners in Atlanta.
Buying a home is a big life decision. If you are considering buying a home but you also feel as though some financial guidance would benefit you, we would recommend hiring a Certified Financial Planner. A CFP is a credentialed financial professional. They must adhere...
read more
Contact Us
Do you have a question about the home loan process or need some clarification?
We’ll get back to you within an hour or so during normal business hours.
NMLS number: 1682856![]()