Explore mortgage options with Friends First Mortgage
Your premier mortgage lender located in Loganville, Georgia. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
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James & his team are absolutely phenomenal! This is my 3rd transaction with the Friends First team & it just keeps getting better & better. James is very punctual in... read more
Sherita Johnson
Mr.James Gardener surpassed my expectations I heard about this company through a friend and when I tell you he was there every step of the way even trough closing and... read more
Tan Walker
Great service and friendly people!!
Jay Macc
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I was very happy working with Mr.James i know that i can be very annoying at times but he was always there to answer any questions that i have even... read more
Lateisha Forbes
Contact James if you are buying a house. The entire process is explained, there are no surprises, and there is no pressure. James walks you through everything and delivers. Most... read more
D T
Exceptional service! James didn't disappoint and trust me we were on a Rollercoaster ride to closing. However, James remained professional and consistent, 2 things that are very hard to... read more
Mia StJohn
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James made my buying experience so easy and virtually pain-free. Best of all, I closed in 3 weeks! I will always recommend James to anyone at any stage on thier... read more
Shakesha Coney
"James has been an absolute rockstar throughout our home buying journey! With a decade-long partnership as teammates, he's consistently earned the title of MVP. Thanks again, James, for yet another... read more
Marcus Blake
It’s was a pleasure doing business with Mr gardener ,all I can say thank you
Louseline Mendez
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Working with James was an absolute pleasure! He made the refinancing process smooth, stress-free, and even enjoyable. His professionalism, clear communication, and dedication to getting me the best deal were... read more
Gerard Davis
James was amazing. He made the house buying process smooth, easy and comfortable. He was available and helpful.
Dana Menefee
Great experience working with James Gardner!!! He made my homebuying experience smooth and was there to answer any question or concern throughout the process. Highly recommend.
Shannon Floyd
