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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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
My Experience with James Gardner was a mortgage journey full of heart. Buying a home is often described as one of life’s most stressful experiences—but thanks to James Gardner at Friends... read more
Rio Handley
Mr. Aaron Blake, was very helpful and understanding.
Doomie Oliver
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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
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
First class service from start to finish. Customer oriented so you are consistently informed. Fights hard for your requests. Oh and Trish has a neck for calming your nerves and... read more
Lazar Harris
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Handled it like champs. James and Sylvia made the whole thing smooth and simple.
Kyle Lites-Smith
Working with James was an absolute pleasure. We worked with him to get a mortgage for the first time and we truly couldn't have asked for a better experience. He was... read more
Robin Norris
Great service and friendly people!!
Jay Macc
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I am immensely grateful to have had Mr. James Gardner as my broker during my home buying journey. From the very start, James showcased an impressive depth of knowledge and... read more
Ashley
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
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
