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 is the best loan officer I’ve ever worked with! He’s going to be my first choice on all the properties I’m planning to finance in the future.
Steven Cantrell
Mr. Gardner was very professional in handling our refinancing and most recently in the purchase of our new home. I will recommend him to my family and friends. I... read more
Carolle Rhames
I would certainly like to say I thank God for having Aaron Blake as my mortgage broker. He held my hand every step of the way, answered all of... read more
Teresa Ingram
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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
The home buying process can be very challenging and exhausting, but James Gardner and his team at Friends First Mtg made purchasing our new home a very smooth experience. I... read more
Soultrain27
Mr. Aaron Blake, was very helpful and understanding.
Doomie Oliver
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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
I had such an Amazing experience with Aaron . He took his time to figure out my needs and wants and helped me make the best decision for my new... read more
Lita Lindholm
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
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Mr James Gardener was so knowledgeable about everything his passion for the job was Outstanding Thanks to Mr Gardener
Carlton Fairell
Hey y'all, I just gotta say, I'm a homeowner now! Thanks to the awesome folks at Friends First Mortgage Company, they worked their magic and made it happen. My family... read more
marie chandler
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
