Inlanta Mortgage- A Strong Culture and Top Mortgage Employer

January’s issue of National Mortgage Professional Magazine (NMP) was a big issue for Inlanta Mortgage. Not only was an article from our SVP of Business Development, Chad Gomoll, featured in NMP’s special focus on Mortgage Industry Employment, but Inlanta was also recognized as a Top Mortgage Employer for the third consecutive year!

We cannot thank our employees enough for contributing to the nomination. Inlanta’s culture is certainly unique and special in its own way. Here at Inlanta, we believe investing in our employees and providing them with a work environment they can thrive in is top priority. Inlanta Mortgage is a family-owned business – and we run it that way! Our culture is open, team-oriented, and guided by our code of ethics.

At Inlanta, we understand that we have the ability to positively impact everyone we touch and strive to improve the lives of those we serve and work with in our communities. Culture is important to us and, as Chad Gomoll discusses in his article in National Mortgage Professional Magazine, crucial to a company’s success.

“Since we spend an average of one-third of our lives at work, most people want to know that they are spending their time well and doing something meaningful. Most importantly, they want to have fun and enjoy coming to work every day. You want to make sure that the people who are in your company feel the same amount of passion as everyone else so you don’t lose that sense of comradery and that feeling that everyone is pulling for each other.”

Chad goes on to discuss the benefits of a positive culture and the upwards momentum it creates in the work place.

“When your employees feel supported and like they are all working towards a common goal, nothing will get dropped along the way. Whether they are an intern, mid-level operations staff, loan originator, or senior leadership, having a strong company culture means there is always someone your employees can relate to and depend on to help them out when the work seems overwhelming. When employees thrive in their environment, they feed off each other’s energy, are more motivated to succeed, and feel a bigger sense of pride in the accomplishments of the company as a whole.”

Read the rest of Chad’s article from National Mortgage Professional Magazine here.

Questions to Ask Your Loan Officer

Loan Officer with Couple

 

Questions to Ask Your Loan Officer

It’s easy to get nervous about something as big as applying for a mortgage. What is not so easy is putting our minds at ease if you’re in the middle of the process and things aren’t going the way you had thought they would. Here is a list of questions you can ask your loan officer before you begin the process to help you prepare for what’s ahead.

 

1. What are the steps and process for getting a loan approval?

To avoid any delays or surprises, be sure your loan officer takes the time to clearly explain the process and the steps from application to closing.

 

2. Interview your loan officer.

Be sure he or she is someone you trust and feel comfortable working with.  Ask about their experience with your loan type. Be sure you explore all the loan programs with your loan officer to determine that you are selecting the best choice for you.

 

3. What are the total fees / costs associated with the loan?

Borrowers pay fees at closing for services provided by the lender and other parties, such as title companies. Be sure you have a full understanding and a breakdown of all costs you will incur from application to closing. You should also be made aware of any out-of-pocket expenses you will have associated with the loan (i.e. appraisal fees, homeowners insurance, etc.)

  • Lenders may also charge discount or origination points. One point is equal to 1 percent of the loan amount. (i.e. on a $150,000 mortgage, one point would be a fee of $1,500 added to your closing costs.) Discount points reduce the interest rate or are used to buy the rate down. They are prepaid interest and are typically tax-deductible. Origination points are fees charged by the lender to cover the costs of originating the loan. Ask your loan officer if this will apply to you.

 

4. When can I lock the interest rate?

Interest rates can and do fluctuate. To prevent risking a higher rate, you can lock in your rate based on the market the day of locking. Locks are based on a set time frame, typically 30, 45, or 60 days.  Shorter term locks typically offer the best pricing.  Because the rates can change daily based on market, it is always your decision when to lock in your rate. Ask your loan officer about how you can lock in the best rate.

 

5. Is there a prepayment penalty on this loan?

Be sure you ask up front if your loan has a prepayment penalty.  Some lenders charge a penalty if you prepay on the mortgage. Some apply only when you refinance or reduce the principal balance by more than a certain percentage.

 

6. What is the minimum down payment required for this loan?

Be sure to explore your options regarding down payment.  The bigger down payment might mean a lower interest rate and better loan terms. With a down payment of less than 20 percent, you will likely have mortgage insurance (PMI) that will either increase your monthly payment or your rate.  By exploring your options you may also find that there is a program that will allow you to not have to make a down payment and keep those funds for reserves.

 

7. What documents will I have to provide?

Your loan officer should be able to provide you a list of required documents.  Understand the documents requested are required per federal lending guidelines and the sooner you provide those documents to your loan officer, the better they will be able to direct you.  Most Lenders require proof of income and assets, including bank statements, tax returns, W-2 statements and recent pay stubs.  More may be required based on your individual situation.

 

8. How long will it take to process my loan application?

There are a lot of moving parts to getting a mortgage from application to closing.  The timeframe can vary based on the type of loan program and all the parties involved responding to requests in a timely manner.  Purchase offers are typically written with closing dates anywhere from 30 to 60 days from accepted offer date.  As soon as you have an accepted offer, be sure you are notifying your loan officer right away to keep things rolling.  Your loan officer should be able to provide you an estimated time line along with frequent updates on status so you know you are on track for closing on time.

 

9. What can I do to ensure a timely closing?

Keeping your loan officer informed that you are writing an offer and provide updates until the offer is accepted.  Responding to your loan officer in a timely fashion is important. Asking what else you can do to keep the process moving along can help things go more smoothly.

 

10. What might delay approval of my loan?

Be sure you are up front with you loan officer, one of the things that can slow the process is when information is uncovered that was not known at the time of application.  If a job change, a decrease in salary, a new debt, a change in your credit history, or a change in marital status happens during the loan process, it is imperative that you communicate this with your loan officer as early in the process as possible so they can assist you in avoiding any delays.  The best way to avoid that is to put your financial life in a holding pattern until you reach the closing table.

 

Remember, you and your loan officer are on the same team, working together to get you into your new home as quickly and smoothly as possible.

 

 

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends, and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

 

About Inlanta Mortgage

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Workplace for a third time in 2015. Inlanta has also received the Platinum Million Dollar USDA Lender Award and has been recognized as a Top Mortgage Employer by National Mortgage Professional and a Top 100 Mortgage Banking Company and 100 Best Mortgage Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS #1016

30-Year Fixed Rate Mortgage

30-Year Fixed Rate Mortgage Loans

Are you ready to buy a home? What type of loan do you choose? The most common type of loan is the 30-year fixed rate mortgage loan. Watch this video to learn more and call a licensed Inlanta Mortgage loan officer to begin your free, no-obligation consultation. Use our branch locator to find a loan officer near you.

Inlanta Loan Programs

In addition to the fixed or adjustable rate mortgage options, a licensed Inlanta Mortgage loan officer can help you determine which specific loan program is best for your situation. Inlanta offers a number of  loan programs including no down payment USDA financing, VA financing, conventional loans, and FHA loans. In addition, Inlanta offers renovation/rehabilitation loan options and the new low down payment options available from Freddie Mac and Fannie Mae (Home Possible® & MyCommunityMortgage®). Contact an Inlanta Mortgage loan officer to learn more about these unique financing options.

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

About Inlanta Mortgage

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Mortgage Lender in 2013 as well as 2012 by Scotsman Guide. Inlanta was also recently named a Top Workplace in 2014 as well as in 2012. Inlanta has also been named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS #1016, MyCommunityMortgage® is a registered trademark of Fannie Mae, HomePossible® is a registered trademark of Freddie Mac.

Learn About Adjustable Rate Mortgages

What are Adjustable Rate Mortgages?

Adjustable rate mortgages can sometimes be confusing. Unlike fixed rate mortgages, adjustable rate mortgages, or ARMs, come with interest rates that typically change with the market each year. Most of the time, ARMs are lower than traditional rates.

Trade-off with Adjustable Rate Mortgages

While fixed rate mortgage payments stay the same over the life of the mortgage loan, if rates go down, adjustable rate mortgage payments go down. However, if rates go up, your adjustable rate mortgage payment could go up. That volatility may not work for some people. Contact an Inlanta Mortgage loan officer for more information and to determine if an adjustable rate mortgage is for you.

Inlanta Mortgage Loan Programs

Inlanta offers a variety of loan programs and can help you determine which program is best suited for your unique financial situation. Contact a licensed loan officer near you, or simply apply online now. We will review your application and advise you on the best course of action.

Our Mission

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

About Inlanta Mortgage

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Mortgage Lender in 2013 as well as 2012 by Scotsman Guide. Inlanta was also named a Top Workplace in 2014 as well as in 2012. Inlanta has also been named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS# 1016. Loans subject to credit approval. Programs subject to change.

 

USDA Loan Maps – Revised Eligibility

Updated-USDA-Eligibility

USDA Loan Maps – Updated Eligibility

The USDA rural development loan program is a great way for home buyers to purchase a home with no money down. Recently, the USDA loan maps were revised and some areas are now eligible that were not before while others are no longer eligible. For more information on these recent changes or to discuss the USDA loan program in more detail, contact a licensed Inlanta Mortgage loan officer. Find a loan officer near you by using our branch locator.

Click here to check the USDA loan map to see if a property you have your eye on – or already live in – is eligible for USDA financing!

Inlanta Loan Programs

In addition to USDA no down payment loans, Inlanta also offers conventional, VA, FHA, and Jumbo loan programs. There are also a number of state programs available for new home buyers. Use our branch locator to find a loan officer near you, or simply apply online now.

OUR MISSION STATEMENT

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

ABOUT INLANTA MORTGAGE

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Mortgage Lender in 2013 as well as 2012 by Scotsman Guide. Inlanta was also named a Top Workplace in 2014 as well as in 2012. Inlanta has also been named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS #1016

Inlanta Employees Recognized for Years of Service

10-year-annivesary

Inlanta Employees Celebrate 10 Years

At Inlanta Mortgage’s 10th Annual Sales Conference Inlanta’s senior management team recognized the service of three dedicated employees who have been with Inlanta Mortgage for more than ten years. Employees celebrating 10 years with Inlanta were formally recognized and awarded with a small token of appreciation by CEO John Knowlton during the kick-off presentation at the conference.

Pictured above clockwise from upper left: CEO & Founder of Inlanta Mortgage, John Knowlton, Secondary Market Accounting Specialist Roberta Wittemann, Chief Compliance Officer Jean Badciong, Branch Manager Dee Cayo, Chief Operating Officer Paul Buege, Chief Financial Officer John Watry and President Nicholas DelTorto.

Culture of Long Term Commitment

Inlanta’s leadership team is pleased to recognize the following employees for their commitment and dedication over the past 10 years:

Jean Badciong – Chief Compliance Officer – Brookfield
Jean started with Inlanta Mortgage in November of 2004 and continues to make vital contributions to the success of the company. Jean served as Chief Operating Officer for many years and was recently promoted to the role of Chief Compliance Officer. In today’s mortgage market, Inlanta is fortunate to have such an experienced individual in this position. Jean was also recently recognized as one of Mortgage Professional Magazine‘s Elite Women in Mortgage.

Dee Cayo – Branch Manager – Minocqua
Dee began working at Inlanta Mortgage in July of 2004 when she took on the responsibilities of managing the Inlanta Mortgage office in Minocqua, Wisconsin. Dee’s reputation in her market and among her peers is remarkable. Dee has helped to foster the success of other branch offices at Inlanta Mortgage and serves on the Inlanta Advisory Board – an internal advisory group that weighs in on issues and opportunities presented by the Inlanta senior leadership team.

Roberta Wittemann – Secondary Market Accounting Specialist – Brookfield
Roberta began with Inlanta Mortgage in December of 2004 in the funding department. Roberta fills a critical role at Inlanta serving as the point of contact for all warehouse lines and managing both the application and renewal process with Inlanta Mortgage lenders. The senior leadership team at Inlanta frequently receives compliments on Roberta’s resourcefulness, work ethic and attitude. She epitomizes the culture that Inlanta Mortgage is so proud of.

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

About Inlanta Mortgage

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin NMLS #1016. Inlanta Mortgage was named a Top Mortgage Lender in 2012 and 2013  by Scotsman Guide and a Milwaukee Journal Sentinel Top Workplace in 2014. Inlanta was also named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage – 10th Annual Sales Conference

Inlanta Mortgage 10th Annual Sales Conference

On September 15th & 16th, Inlanta Mortgage hosted their 10th Annual Sales Conference at the Milwaukee Art Museum in Milwaukee, Wisconsin. The conference featured educational and motivational sessions designed to help Inlanta employees pursue excellence in both their personal and professional lives.

Attendees came from all across the country. Check out our gallery of photos from the event!

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

About Inlanta Mortgage

Last year, Inlanta Mortgage celebrated its 20th Anniversary. Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin NMLS #1016. Inlanta Mortgage was recently named a Top Mortgage Lender in 2013 as well as 2012 by Scotsman Guide. Inlanta was also recently named a Top Workplace in 2014 as well as in 2012. Inlanta has also been named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.

Inlanta Welcomes Penny Charlson

Penny-Charlson-Mortgage-Advisor

Veteran Originator – Penny Charlson Joins Inlanta Mortgage

Inlanta Mortgage is pleased to welcome Senior Mortgage Advisor Penny Charlson to the Oconomowoc office in Wisconsin.

Charlson began her mortgage career more than twenty years ago and spent more than ten years as a Realtor before that. Her unique background allows her to evaluate both sides of a transaction for her borrowers and ensure they understand the entire mortgage process. In addition, Charlson frequently provides educational seminars for first-time home buyers helping them prepare for their first mortgage. Charlson can assist with conventional loans, refinancing, and HARP refinancing, as well as JUMBO, FHA, USDA and VA loans.

Charlson said, “Providing an honest analysis of a borrower’s situation and appropriate program recommendations is something I enjoy. Working with Inlanta will allow me to improve the level of service I can offer my customers.”

Contact Penny Charlson at 262-853-6412, by email at pennycharlson@inlanta.com or online at www.pcharlson.com.

About Inlanta Mortgage

Headquartered in Brookfield, Wis., Inlanta Mortgage was established in 1993. The company has grown to more than 30 branches in 16 states and over 200 employees. Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as jumbo and portfolio programs. The company is an agency-approved lender for Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs.

Inlanta Mortgage was named a Top Mortgage Lender in 2012 and 2013 by Scotsman Guide and has been listed in Mortgage Executive Magazine’s “Top 100 Mortgage Companies in America” every year since 2011. In addition, Inlanta was named a “Fastest Growing Firm” by Milwaukee Business Journal in 2013; a “Platinum Million Dollar Lender” by USDA Rural Development in 2014; and a Top Workplace by the Milwaukee Business Journal in 2014.

Inlanta’s mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

Happy Labor Day

Happy-Labor-Day

Happy Labor Day

We wish you a safe and happy Labor Day! Labor Day is a public holiday celebrating our nation’s working people and their social and economic achievements.  For some interesting facts about Labor Day visit this link!

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

About Inlanta Mortgage

Last year, Inlanta Mortgage celebrated its 20th Anniversary. Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin NMLS #1016. Inlanta Mortgage was recently named a Top Mortgage Lender in 2013 as well as 2012 by Scotsman Guide. Inlanta was also recently named a Top Workplace in 2014 as well as in 2012. Inlanta has also been listed on Mortgage Technology’s Top 25 Tech Savvy Lenders list in 2010, 2011, 2012, and 2013, named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.

Grand Rapids Branch Open House

The Grand Rapids branch of Inlanta Mortgage recently hosted an open house in their new digs. Here are some of the photos from their event and their new office in Celadon New Town!

The manager of the Grand Rapids branch is Jonthan Arnold. Arnold and his team can be found at 2029 Celadon Dr NE, Grand Rapids, MI 49525. Find them online at applywithjon.com, email at jonathanarnold@inlanta.com or call 616-682-6815.

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

About Inlanta Mortgage

Last year, Inlanta Mortgage celebrated twenty years in business. Learn more about Inlanta’s twenty year history here.

Headquartered in Brookfield, Wis., Inlanta Mortgage was established in 1993. Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Fannie Mae and Freddie Mac, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin NMLS #1016. Inlanta Mortgage was recently named a Top Mortgage Lender in 2013 as well as 2012 by Scotsman Guide. Inlanta was also recently named a Top Workplace in 2014 as well as in 2012. Inlanta has also been listed on Mortgage Technology’s Top 25 Tech Savvy Lenders list in 2010, 2011, 2012, and 2013, named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.