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Your solution to finding the right home loan

The March team is dedicated to understanding the specific financial goals and aspirations of our clients, treating each interaction with empathy, professionalism, and a steadfast commitment. Our expertise in the mortgage market, paired with outstanding communication skills, enables us to clarify the lending process and offer clear, step-by-step guidance. Our customized approach ensures that our clients feel acknowledged, valued, and confident in making informed decisions about their home financing options.

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the march home loan team guarantees a unique and empowering experience.

When looking for a mortgage, it's important to find a company that specializes in mortgages above all else, and to find a lender that can address your unique home buying or refinancing needs, regardless of how unique your circumstances may be. We can help.

Contact us to learn why you should choose March.

Jaemi Graham, Senior Loan Officer (NMLS #2084203)
[email protected]
(770) 462-5422

March Home Loans (powered by CMS Mortgage Solutions)
Company NMLS #212405
Licensed to do business in AL, AZ, CO, DE, DC, FL, GA, IN, LA, ME, MD, MI, NM, NH, NC, OK, SC, PA, TN, TX, VA

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loan products we offer our clients

Conventional Mortgage

A home loan not insured or guaranteed by the federal government, typically requiring higher credit scores and down payments. Fixed rates.

Jumbo Loans

Mortgages that exceed conforming loan limits set by the Federal Housing Finance Agency (FHFA), used to finance luxury properties. Areas have different limits.

Adjustable Rate Mortgage (ARM)

A mortgage with an interest rate that can change periodically based on a benchmark index, often starting with a lower fixed rate before adjusting.

​​​​​​​FHA Loans

Mortgages insured by the Federal Housing Administration, designed for low-to-moderate income borrowers with lower credit scores and down payments.

VA Loans

Home loans guaranteed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves.

USDA Loans

Mortgages backed by the U.S. Department of Agriculture, aimed at low-to-moderate income buyers in rural and suburban areas.

203k Loans

FHA loans that provide funds for both the purchase and renovation of a home, allowing buyers to finance repairs and improvements.

Reverse Mortgage

Loan available to homeowners 62 or older, allowing them to convert part of the equity in their home into cash, which doesn’t need to be repaid until the borrower moves out, sells the home, or passes away.

Investor Loans (DSCR)

Loans designed for real estate investors, where the Debt Service Coverage Ratio (DSCR) is used to determine the borrower’s ability to repay the loan from rental income.

HELOCS

Home Equity Lines of Credit (HELOCs) and equity loans are types of second mortgages that allow homeowners to borrow against the equity in their home, with HELOCs providing a revolving credit line.

Refinancing

The process of replacing an existing mortgage with a new one, typically to obtain a lower interest rate, change the loan term, or access home equity.

One Close Construction Loans

A single-loan solution that covers both the construction of a new home and its permanent financing, eliminating the need for separate loans and providing convenience with one application, one closing process, and one set of closing costs.

Get a No Cost Estimate & Pre-approval Letter Today.

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frequently asked questions

To calculate ‘how much house can I afford,’ a good rule of thumb is using the 28% / 36% rule, which states that you shouldn’t spend more than 28% of your gross monthly income on home-related costs and 36% on total debts, including your mortgage, credit cards and other loans like auto and student loans.

If you want to do the monthly mortgage payment calculation by hand, you’ll need the monthly interest rate – just divide the annual interest rate by 12 (the number of months in a year). For example, if the annual interest rate is 4%, the monthly interest rate would be 0.33% (0.04/12 = 0.0033).

The process isn’t complicated.

  1. Check your credit history and get your free credit score so you know where you stand before reaching out to a lender.
  2. Calculate your debt-to-income ratio.
  3. Gather income, financial account and personal information.
  4. Contact more than one lender (and definitely add me to the list!).

Get Your Pre-Approval today!

It’s smart to follow the 28/36% rule. Most financial advisers agree that people should spend no more than 28 percent of their gross monthly income on housing expenses and no more than 36 percent on total debt – that includes housing as well as things like student loans, car expenses and credit card payments.
Several documents are used when applying for a mortgage. Have your pay stubs, W-2s, tax returns, bank statements, investment account statements and brokerage account information ready.
It typically takes 30 to 60 days to get a mortgage, though it can take longer. Having all your documents and information ready and working closely with a mortgage lender will help move things along more quickly.
Yes! March Home Loans helps you lock in the best rates to ensure your home remains affordable.
Happy to connect and answer any questions you! Give me a call or text at (770) 462-5422 or send me an email at [email protected]. Look forward to speaking with you.

let's talk about mortgages

We look forward to connecting with you. Please complete the form below and someone from our team will reach out to you within 1 business day. If you need to connect sooner, feel free to email, call, or text us. Talk to you soon!

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mortgage glossary

Confused by all the “big words” your real estate agent or banker are using? This mortgage glossary is a good place to hone up on your mortgage vocabulary to make sense of what can be a very confusing process.

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10/15/30-Year Fixed Mortgage – A fixed-rate home loan with terms lasting 10, 15, or 30 years, depending on which option you choose. The most common loan term is a 30-year fixed rate mortgage.
1031 Exchange – a tax-deferred exchange of real estate employed to offset or even avoid capital gains tax.
15-Year Fixed Mortgage – a fixed-rate home loan that has half the typical term of 30 years.
203k Loan – an FHA loan that allows you to finance home improvements and permanent financing in a single mortgage loan.
3/1 ARM – An ARM that is fixed for the first three years (36 months) of the loan term before becoming annually adjustable.
5/1 ARM – An ARM that doesn’t have its first adjustment until year six, and then adjusts once annually thereafter.
Additional Principal Payment – When the borrower adds an extra amount and applies it to the mortgage balance. Additional payments can be added to the current monthly mortgage payment or made via a lump sum at any point in time.
Adjustable-Rate Mortgage (ARM) – a mortgage with a variable interest rate, which adjusts monthly, biannually, or annually. Option-arms and hybrid mortgages are also considered adjustable-rate mortgages.
Alt-A Mortgage – a home loan that isn’t prime or subprime, but somewhere in the middle. Alt-A homebuyers usually have higher loan-to-value ratios, less income documentation, average credit scores, and additional properties.
Amortization – The way a loan is paid off over time in installments, detailing how much goes toward interest, and how much is paid toward principal.
Amortization Term – The amount of time required to pay off the loan.
Annual Adjustment Cap – A limit on how much the variable interest rate can go up or down in a year.
Annual Percentage Rate (APR) – the actual interest rate you pay on your mortgage, which factors in fees, points, and other costs associated with the loan.
Application Fees – Non-refundable fees paid when you apply for your loan. They may include charges for property appraisal, a credit report, etc.
Appraisal or Appraised Value – An informed, written estimate of the value of a property by a qualified professional.
Appraisal Fee – A charge for estimating the value of property.
Appreciation – An increase in the value of an asset over time. If the home is held for a long period of time, it may go up in value above the purchase price.
Assumption – the act of assuming responsibility for the payment of a mortgage lien.
Balloon Mortgage – a short-term mortgage with small monthly installments and a large lump sum due at the end of the loan term. An example would be a 30 due in 15, which amortizes like a 30 year fixed, but is due 15 years earlier.
Biweekly Mortgage – a mortgage where 26 half-payments, or 13 full payments, are made annually.
Blanket Mortgage – a single home loan used to provide financing for multiple properties, such as rental units.
Bridge Loan – a short-term loan taken out against one property to finance the purchase of a new property.
Buy-Down – the act of securing a lower than par interest rate by paying the bank or lender a premium.
Caps – initial, periodic, and lifetime payment caps which limit how much and how frequently an interest rate can change on an adjustable-rate mortgage.
Cash-In Refinance – a refinance transaction where borrowers bring money to the closing table to lower their mortgage balance.
Certificate of Reasonable Value (CRV) – an appraisal issued by the Veterans Administration to determine the value of a property. The loan amount may not exceed the CRV on a VA loan.
Closing – the final step in the loan process when loan documents are signed at an escrow or title company.
Closing Costs – the amount of money that must be paid to close your loan, including lender fees and third-party charges, along with taxes and transfer fees.
Closing Disclosure – formerly the Truth-in-Lending Act (TILA) disclosure and HUD-1, the closing disclosure, or CD, is given to borrowers three days before loan closing so they can review all costs and details of their loan.
Combo Loan – a first and second mortgage used concurrently to finance a property.
Conforming Loan – a loan that meets Fannie Mae and Freddie Mac guidelines, which also falls under a certain loan amount.
Construction Loan – a short-term loan given to a builder during intervals of the building process which is due upon completion of the project.
Conventional Mortgage – any mortgage loan that is not insured or guaranteed by the federal government.
Credit Report – a tool used by the bank or lender to review your credit profile and your ability to carry and repay debt.
Credit Score – a three-digit number that is used by lenders to assess your creditworthiness. There are minimum scores for most home loan programs.
Debt-to-Income Ratio – the ratio of monthly liabilities and housing expenses divided by the monthly gross income of the borrower.
Deed-in-Lieu of Foreclosure – a method of avoiding foreclosure by deeding your property to the lender.
Deed of Trust – a security instrument between the borrower and the lender, recorded in public records as a lien on the subject property. It differs from a mortgage in that the bank can foreclose on the property without judicial proceedings.
Deferred Interest – the amount of interest added to the principal loan balance when a borrower pays less than the interest-only note rate (see: option arm).
Delinquency – the failure to make a monthly mortgage payment on time, which can eventually lead to a notice of default, and later a foreclosure.
Discount Rate – the interest rate the Federal Reserve offers to member banks and thrifts.
Doctor Mortgage – a mortgage designed specifically for a physician that may allow financing before employment history is established.
Down Payment – an upfront payment made by the home buyer toward the property purchase price, usually ranging from five to 20 percent. The remainder of the sales prices makes up the mortgage loan amount.
Earnest Money – a deposit paid to the seller by the buyer as a pledge to complete a real estate transaction. If the seller accepts the offer, the deposit is held in escrow and applied to closing costs when the deal is closed.
Equal Credit Opportunity Act – a federal law that prevents lenders from discriminating applicants based on race, religion, national origin, sex, age, marital status or involvement in public assistance programs.
Escrow – a third party intermediary who holds and allocates funds, including taxes and insurance in a mortgage transaction.
Fannie Mae – The Federal National Mortgage Association, often called Fannie Mae, is a federal corporation that backs mortgages.
Federal Funds Rate – the interest rate banks charge one another for overnight use of excess reserves.
Federal Home Loan Mortgage Corporation – one of the largest financiers of conventional mortgages on the secondary market. Widely known as Freddie Mac.
Federal National Mortgage Corporation – a publicly owned, government-sponsored corporation that packages mortgages and resells them on the secondary market. Also known as Fannie Mae.
FHA Loan – a program originated during The Great Depression that allows lower income borrowers to qualify for mortgages as long as they fit certain criteria set forth by the Federal Housing Administration who insures them.
First Mortgage – This is the primary mortgage on a home. Usually this term is only used if there is also a second mortgage.
First-Time Home Buyer – typically defined as someone who has not owned another property at any time during the three years prior to the date of the purchase.
Fixed-Rate Mortgage – a mortgage with a constant interest rate that will not adjust at any point during the life of the loan.
Foreclosure – the legal process by which a bank or lender sells a property after a borrower fails to meet the repayment terms of the loan.
Freddie Mac – The Federal Home Loan Mortgage Corporation, or Freddie Mac, is a government enterprise that backs mortgages.
Gift Money – The money you receive from an eligible source ( most often from a family member) to apply to use as a down payment. You can use gift money on any type of loan, however each loan has its own restrictions.
Gift of Equity – a contribution of equity from seller to buyer that is used toward down payment on the home purchase.
Gift Letter – a letter required by the borrower when using gift funds to obtain a mortgage loan.
Good Faith Estimate – a disclosure which details your loan summary and an estimate of the charges you’ll incur upon settlement, now known as the Loan Estimate (LE).
Graduated Payment Mortgage – a negative amortization mortgage with flexible payment options that gradually increase over time until leveling off. Intended for young couples who are unable to make the full mortgage payment, but whose income will increase over time.
Hard Money Loan – a mortgage of last resort for borrowers who can’t obtain financing in the standard market due to poor credit.
HARP Loan – a refinance loan offered to those with negative equity.
Hazard Insurance – insurance which protects a property owner from damages caused by fire or severe weather.
Home Appraisal – a comprehensive report that determines the value of your property based on a number of valuation factors.
Homeowners Association (HOA) – This organization creates and maintains the bylaws and rules for a specific housing development. Homeowners within the community must pay dues to the HOA, usually monthly or yearly.
HOA Dues: The amount you pay to an Homeowners Association either monthly or yearly.
Home Equity – the value of a property less any and all existing liens. If a borrower owns a property worth $500,000 and has liens of $400,000, equity is $100,000.
Home Equity Line of Credit – a line of credit that uses the value of a property as collateral.
HUD/HUD1 – You receive this document when you sign final loan paperwork at escrow. It breaks down all the fees associated with the loan and gives you the final amount you’ll need to pay to close the loan.
Impound Account – an account established by the issuing bank/lender or loan servicer to collect monthly and automatically pay a borrower’s property taxes and insurance costs when payments are due.
Index – Rate averages that determine the interest rate of an ARM after the initial fixed period. See also ARM and Margin.
Interest-Only Mortgage – a home loan that lets you pay just the interest portion of the mortgage payment each month.
Investment Property – a property that you do not occupy, but rather rent out to a tenant.
Islamic Mortgage – a mortgage that avoids the payment or receipt of interest, which is prohibited under Islamic law.
Jumbo Loan – a loan amount above the conforming loan limits, which is set each year by Fannie Mae and Freddie Mac. These loans typically carry higher interest rates than conforming loans because they can’t be sold to Fannie or Freddie.
Lender Credit – a credit paid by the lender to the borrower for taking an above-market interest rate.
Lender-Paid Mortgage Insurance – the lender pays for your mortgage insurance in exchange for a higher interest rate on your mortgage.
Lender Overlay – a guideline (or set of guidelines) in addition to those required by Fannie Mae, Freddie Mac, or the FHA/VA.
Letter of Explanation – a common loan condition required to clear up or provide additional details for any matter that needs further review.
Lien – a claim against a property by the issuing bank or lender to secure repayment of a debt, typically in the form or a mortgage.
Loan Officer – a representative of a bank or broker who originates mortgages on their behalf.
Loan Origination – the initiation of the home loan process whereby a borrower submits their information to a bank or lender in order to obtain mortgage financing.
Loan Processor – the individual who handles all the paperwork associated with closing your loan.
Loan-to-Value – the percentage of the appraised property value that is borrowed from a bank or lender. A down payment of 20% would create a loan-to-value of 80%.
Margin – a given amount specified by the bank or lender which when added to the accompanying mortgage index sets the interest rate for an adjustable-rate mortgage.
Mortgage – a temporary loan used to finance the purchase of real property, also known as a home loan.
Mortgage Broker – An independent loan originator who works on behalf of consumers to obtain mortgage financing. Brokers don’t represent a single bank, but rather work with numerous lenders.
Mortgage Discount Points – a form of prepaid interest whereby the borrower lowers the interest rate of the mortgage at closing.
Mortgage Due Date – the date your mortgage payment is due each month during the loan’s duration.
Mortgagee – the issuing bank or mortgage lender.
Mortgage Insurance – required insurance on a mortgage if the down payment is less than twenty percent and a single loan is used to finance the property.
Mortgage Late – a term used in the mortgage industry to identify a late payment that is 30 days or more past due.
Mortgage Lender – an institution that originates mortgage loans either to keep for interest income or sell on the secondary market.
Mortgage Payment – the cost of your loan, paid monthly.
Mortgage Points – stands for a percentage point of the loan amount, typically makes up the origination fee, which can be a fraction of a point to multiple points.
Mortgage Principal – the balance of the lien(s) on a property, not including interest. What you owe on your mortgage.
Mortgage Rate – the rate of interest associated with your mortgage.
Mortgage Rate Lock – the act of locking-in a desired interest rate on your mortgage so it cannot change. Borrowers also have the option to float their rate.
Mortgage Term – the length of your mortgage. Most are 30 years, though 15 years is also very common.
Mortgage Underwriter – the individual who decisions your mortgage by either approving, suspending, or declining it.
Mortgagor – the borrower or homeowner.
Negative Amortization – when a mortgage payment received is below the interest-only payment, the difference will be added onto the principal balance of the loan.
Ninja Loan – no income, no job, no asset loan. A “Ninja loan” is industry slang for a no doc loan, which doesn’t require income, asset, or job verification. NoIncomeNoJobAssets. It’s not specifically for Ninjas, unless they’ve got something to hide.
No Closing Cost Refinance – a refinance transaction in which the bank or broker pays all settlement costs.
Note – a written promise to repay the mortgage plus interest, which includes the name of the borrower, issuing lender, and the terms and provisions.
Option Arm – a home loan that gives borrowers four payment options, including a negative amortization payment option.
Origination Fee – a percentage of the loan amount charged by the bank or broker for completing the loan process.
Origination Point – The fee you pay the lender for approving the loan. It is often paid at closing with your other closing costs. It can also be paid by the seller if it’s negotiated into the purchase contract.
Par Rate – the interest rate a borrower will qualify for assuming there is no rate manipulation.
Payment Shock – a sudden, large increase in the monthly mortgage payment as a result of an adjustable-rate mortgage or through a refinance with new financing terms.
P&I – The principle and interest payment on a home loan; not including taxes, insurance, or HOA dues (if applicable).
Piggyback Mortgage – A second mortgage that closes simultaneously with the first mortgage to reduce the total necessary down payment.
PITI – The monthly housing expense, expressed as principal, interest, taxes, and insurance (see: mortgage payment).
Private Mortgage Insurance (PMI) – The insurance policy that covers your mortgage lender in case you default on a loan.
Pre-Approval/Pre-Qualification – Processes to determine what you can afford to ensure you can obtain mortgage financing when purchasing a property.
Prepayment Penalty – if a loan is refinanced or repaid prior to a certain date as agreed upon in the loan documents, a fee will be charged by the bank or lender.
Primary Residence – a house or condo you plan to occupy the majority of the year.
Prime Rate – the interest rate offered by commercial banks to its best corporate customers.
Processing – The loan processor puts your loan file together so that it is complete prior to the underwriting process.
Purchase Money Mortgage – a mortgage used to purchase a piece of property.
Qualified Mortgage – a home loan that meets new underwriting guidelines established by the CFPB. Also known as a QM loan.
Quitclaim Deed – a document by which a person either disclaims interest in a property or transfers interest to another person, typically a spouse.
Refinance – the act of replacing your existing loan(s) with a new loan on the same property. There are two main types of refinancing, including a rate and term refinance and cash-out refinance.
Reserve Requirements – the amount of verifiable assets you need to qualify for a given mortgage.
Resetting the Clock – when you refinance and extend the original loan term of your mortgage.
Reverse Mortgage – a mortgage reserved for homeowners aged 62 or older who wish to tap their home equity without paying monthly mortgage payments.
Right of Rescission – a law which allows a homeowner to rescind a contract to refinance their primary residence within three days of signing loan documents.
Second Mortgage – a mortgage taken out behind a first mortgage, either concurrently or after the fact.
Seller Carryback – when a seller acts as the bank or lender and carries a second mortgage on the subject property.
Short Sale – a foreclosure alternative where a property is sold for less than the balance on the associated mortgage.
Short Refinance – a refinance transaction where the lender agrees to lower the rate and/or change the term despite the mortgage balance exceeding the property value.
Stated Income Mortgage – a mortgage in which the borrower does not have to document their income.
Streamline Refinance – an expedited refinance that requires limited underwriting, and may even forego the need for an appraisal.
Subprime Mortgage – a home loan reserved for those who have marginal credit or difficulty qualifying for a traditional loan.
Teaser Rate – the initial, discounted interest rate offered on adjustable-rate mortgages.
Term – The length of a loan, expressed in years or months.
Title – The title is the document that shows ownership history, the outstanding debts that are tied to the property, and current ownership.
Title Insurance – This is your protection against lawsuits and claims tied to the chain of title on the subject property.
Truth in Lending – This document should be received within 3 days of applying for a loan. It tells you the loan’s APR, if it has a prepayment penalty, and the loan terms.
Underwriting – The process of verifying that the borrower’s documentation adheres to a specific loan program’s guidelines.
Underwater Mortgage – a mortgage whose balance exceeds the value of the property. Also known as an “upside down” mortgage.
USDA loan – a mortgage insured by the USDA that allows borrowers to purchase homes in rural areas with nothing down.
VA Mortgage – a mortgage offered to veterans and their families that is guaranteed by the Veterans Administration.
Yield Spread Premium – the commission mortgage brokers used to receive from banks and mortgage lenders by originating loans.
Zero Balance – The wonderful appearance of a zero balance occurs when a borrower has paid off their loans and there is nothing left to repay.
Zero Down Mortgage – a home loan that doesn’t require a down payment.
Zero capital gains rate – Zero capital gains rate is the 0 percent tax rate that’s applied when an individual sells property in a designated enterprise zone.

seriously! it's time for you to get your pre-approval letter.

(so we can start house shopping!)

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We're here to assist you with buying, selling, and investing in real estate in the Metro Atlanta area. Let's connect and get you on a solid path in your real estate journey.

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Address

3330 Cobb Pkwy NW, Suite 324-216 Acworth, GA, 30101

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