St. Simons Island & the Golden Isles: Your Mortgage Headquarters

ABOUT US

Why Should You Choose Us?

We are a locally owned and operated mortgage broker. We have both the experience and expertise to guide you through the mortgage process smoothly and efficiently. As a bonus, you also get the best rates.

NMLS #133595
Georgia Residential Mortgage Licensee #15527

OUR SERVICES

Mortgage Loan Programs

CONVENTIONAL

This is the regular Fannie Mae or Freddie Mac loan. Maximum L ...

FHA

This is a government loan insured by HUD and is probably the m ...

VA

This is a loan benefitting qualified Veterans, including spous ...

USDA

This is a 100% loan in targeted in more rural areas and does h ...

Reverse Mortgage

A Reverse Mortgage allows borrowers age 62 and older to use th ...

JUMBO

A Jumbo loan program is a loan over $766,550 the Conforming F ...

Specialty – Condominium

Condominium financing has become more restrictive over time bu ...

What Our Clients Say

TESTIMONIALS

Sharon Williams
Sharon Williams
2023-07-15
LuV was very knowledgeable and a pleasure to work with. Very responsive, and patient with our questions. She made sure we understood everything, and I'm very glad she was in our corner.
Jill Bailey
Jill Bailey
2023-06-25
Luv made our recent loan process a breeze! She advocated for our best interest every step of the way, often going above and beyond our expectations. She stayed in constant communication, was extremely proactive and helped us cover all the bases quickly and efficiently. We will definitely trust her with our future loan needs due to her diligence and expertise.
Jodi M. Murray
Jodi M. Murray
2023-06-07
Mr. Paul has my full trust! He was so helpful and full of knowledge when it came to helping with my loan process. I had plenty of questions and he was willing to answer all of them. He helped my dad and brother with their home buying process, so he’s someone we’d recommend 100%. Thank you Mr. Paul for all your help.
Anthony Parham
Anthony Parham
2023-05-06
If the Phrase "moving mountains" was a person, Miss Luv Mcdowell-Bailey would be it. Very long and tedious process but she made everything very clear and transparent and made everything easy!
Susan McLean
Susan McLean
2023-05-04
Very professional! Luv went out of her way to find the best rate for us and guided us through the whole process efficiently, helping us every step of the way. I highly recommend this company! They are truly dedicated and caring.
Debbie Jackson
Debbie Jackson
2023-04-18
Buying our house was the easiest process I've ever had with Luv. She was always available at every call/email/text. Any home buying for us in the future I will always use her. We we're moving here from the FL Keys and being over 9 hours away was a little rough but Thankfully Luv was with us every step of the way. I highly recommend her for any home purchase.
Paula McKenzie
Paula McKenzie
2023-04-17
LuV McDowell-Bailey handled my loan. I lived in another state during the process, but she could not have made the process any easier! She clearly explained each step and responded immediately anytime I reached out. She always focused on what would be best for my situation! Highly recommend her for a tailored, personal experience!
Samantha Doster
Samantha Doster
2023-04-16
Paul Sanders was absolute amazing in the process of purchasing my first home with my partner. He was very professional and informative throughout the entire process. I absolutely recommend him. He was also very efficient and responsive to our needs especially as first time home buyers who had a lot to learn.
Sebastian Cruz
Sebastian Cruz
2023-04-15
Paul is absolutely Amazing! Thanks for all of the help!😎
brenda lawson
brenda lawson
2023-04-14
I met Paul over 22 years ago when he assisted me in purchasing my first home. I also had the opportunity once again to enlist Paul's help in this year (2023) in assisting me with financing on my second home. I can truly say that Paul will do his very best to ensure that you get the best deal possible when it comes to matching you up with a suitable company as well as a suitable interest rate. I can truly say i would not have felt comfortable with anyone else and would recommend him to anyone i know.