Speed is another crucial factor when obtaining an Angelfish mortgage loan. Traditional bank loans often involve a lengthy approval process that can be cumbersome and time-consuming. We are known for our quick decision-making and streamlined procedures. Our buyers can often obtain approval and funding in a matter of days or weeks, rather than the months it may take with a traditional bank, especially in the highly competitive Atlanta real estate market.

Customization is a hallmark of our lending services. We set terms that meet the unique demands of our buyers thus making the transaction less complicated. Your interest rate, repayment schedule, and down payment is based on several factors. These include your income, type of employment, length of employment, as well as your debt load. Your credit score does have an impact but it will not automatically disqualify you from receiving a loan with Angelfish.

Our loans also come with fewer associated fees compared to traditional bank loans. Banks often charge various fees, including application fees, origination fees, and prepayment penalties. We eliminate many of those fees, thus reducing the upfront costs for our buyers. Additionally, our private mortgage loans can be advantageous in situations where the buyer wishes to avoid the complexities of traditional bank underwriting, or may be self employed, a gig worker, or an undocumented citizen.

We prioritize the value of the property itself rather than the borrower’s credit score. As well, we place a greater value on the buyers ability to pay, their down payment amount, their monthly payment, and length of the loan.

Finally, if you are interested, reach out to us, one of our lending consultants will be glad to answer any questions you may have as well as schedule your private showing of any of our modern luxury homes.