Business Details
20 Years
experience
Atlanta's Trusted Mortgage Brokers
Chad Wade has been serving Atlanta homebuyers since 2006 with a commitment to exceptional service. Our team of ten experienced professionals, led by Managing Partner Chad Wade, specializes in mortgage solutions tailored to individual financial needs. We utilize a streamlined process that compares rates across 16 lenders to secure competitive pricing for our clients. Our local expertise extends to working with appraisers familiar with Atlanta's real estate market, ensuring accurate valuations. We implement a team-based approach that guarantees consistent communication throughout the lending process, with weekly updates keeping transactions on track.Our 21-day closing timeline with no financing contingencies is supported by rigorous pre-approvals that give buyers a competitive edge in multiple-offer situations. We maintain seven-day-a-week availability to accommodate client schedules while maintaining strict compliance with mortgage regulations. Our dedication to customer satisfaction has earned us a reputation as Atlanta's trusted mortgage partner, with a focus on creating raving fans through personalized service.
Services
Mortgage Brokerage
Loan Processing
Pre-Approval Services
Refinance Assistance
Closing Coordination
Details
- Year established: 2006
Highlights and features
- We offer 21-day closings with no financing contingencies
- Team of experienced loan officers versus individual brokers
- Local appraisers for accurate Atlanta market valuations
- Seven-day-a-week service availability
- Competitive pricing through access to 16 lenders
Services
Mortgage Brokerage
Our mortgage brokerage connects clients with 16 lenders to find optimal loan programs. We offer conventional, jumbo, FHA, and VA loans with competitive rates. Our team provides personalized guidance through the entire mortgage process from pre-approval to closing.
Pre-Approval Services
We provide rigorous pre-approvals that give buyers a competitive edge in Atlanta's real estate market. Our process includes soft credit pulls for initial assessments and thorough documentation review to ensure financing certainty for home purchases.
Loan Processing
Our dedicated processing team manages loans from application to closing. We collect required documentation, coordinate appraisals, and ensure compliance with lender requirements. We maintain communication with all parties to facilitate smooth transactions.
Refinance Assistance
We help homeowners access lower rates and reduce monthly payments through refinancing options. Our team evaluates current mortgage terms and financial goals to determine the most beneficial refinance strategies.
Closing Coordination
Our closing coordination ensures timely completion of mortgage transactions. We manage final loan disclosures, coordinate fund transfers, and verify all documentation meets regulatory requirements for successful property transfers.
People
Chad Wade
Managing Partner and Loan Officer
Chad Wade founded Chad Wade in 2006 after careers in banking and insurance. He graduated from the University of Georgia Cum Laude with a BBA in Risk Management and brings over 15 years of mortgage industry experience to client relationships.
Sterling Hartfield
Senior Loan Officer
Sterling Hartfield manages loans from application to contract, specializing in complex mortgage scenarios. With NMLS# 1450794, he provides expert guidance through the loan approval process and helps clients navigate financing challenges.
Drayton Johnson
Loan Coordinator
Drayton Johnson coordinates loans from contract to post-closing, managing document collection and underwriting requirements. He ensures timely submission of appraisal requests and maintains communication between clients and closing attorneys.
Kevin Molley
Processor
Kevin Molley works with clients to obtain final loan approvals and coordinates with closing attorneys for accurate financial reconciliation. With NMLS# 230179, he ensures all documentation meets lender requirements for successful transactions.
Pat Molley
Processor
Pat Molley assists clients through the final approval process and serves as liaison between closing attorneys and Chad Wade. He ensures all financial details are accurately reconciled before closing.
Questions
What credit score do you use for mortgage qualification?
We pull all three credit reports (Equifax, Experian, and TransUnion) and use the middle score for mortgage qualification.
Can I get a mortgage with a 620 credit score?
Yes, we require a minimum 620 credit score for qualification, with better rates available for higher scores.
How much down payment is required for conventional loans?
Conventional loans require a minimum 3% down payment for first-time homebuyers.
Can I use gift funds for my down payment?
Yes, we accept down payment gifts from family members with proper documentation.
When is my interest rate locked in?
Rates are locked once you're under contract, based on your profile, property details, and closing timeline.
What documents are needed for mortgage approval?
We require complete bank statements, tax documents, and proof of income, which must be submitted through our secure Sharefile system.
