---

Atlanta Advisory Mortgage Services, Inc. is the master of creative finance and understands credit problems and unique employment situations.

For over five years, Atlanta Advisory Mortgage Services, Inc. has been helping people just like you to purchase homes, refinance current loans and use the equity for cash-out purposes.

Atlanta Advisory Mortgage Services, Inc. can consolidate all of your bills into one low payment. Remember, interest on your mortgage is tax deductible, credit card interest is not.

There are never any upfront fees at Atlanta Advisory Mortgage Services, Inc. and we will find the right program to fit both your needs and your monthly budget. We can help you purchase the home of your dreams, re-finance your current mortgage for a better rate and payment or draw equity out of your home for home improvements, vacations, college tuitions, etc. The cash out can be used to buy investment property to enhance cash flow.

This website contains general information about our company and the mortgage process. If you need more detailed information, please do not hesitate to call us:

Atlanta Advisory Mortgage Services, Inc.
291 Pat Mell Rd.
Suite 201
Marietta, GA 30060
(770) 333-9980
(770) 333-9982 (Fax)

PROGRAMS These are a sample of the specialized programs that Atlanta Advisory Mortgage Services, Inc. can obtain for you: Purchases: Century Funding offers a wide range of programs from FHA, Conventional with 3% down, 100% for A-Borrowers blended first & second mortgage purchases, to providing financing for those recently out of bankruptcy. Refinance/Cash-out: Lower your current rate and payment and/or get cash-out for any purchase...we have a program for you. Those applicants with good credit can use up to 125% of what your house is worth for an equity loan. Hard to Qualify: As Atlanta's most creative and aggressive lender we will make the loan work for you. Our closing ratio of 90%+ has helped many Georgia homeowners with slow, bad, charged off and bankruptcy credit get the financing they need. All credit situations are accepted. Self-Employed/Commission Pay: With numerous no-income, no-asset, partial-income verification and stated income programs, Century Funding can help the self-employed and/or commission paid employee purchase or refinance the home they want. New Business: For those with the entrepreneural personality, we have numerous programs to assist the "new" business owner in their mortgage needs. Up to 90% of the value of the home can be lent to the applicant. Fill out our "Quick Qualifier" Application and be prequalified within 2 hours...close within 10 days! HOME We Say Yes When Others Say No. TOP The Mortgage Process The steps in the mortgage process are: 1. Decide on the lender or broker you wish to use. 2. Gather your financial data. 3. Meet with your lender representative, or contact their telephone banking group. 4. Complete the application forms. 5. Lender will obtain credit report and property appraisal. 6. Lender may verify data provided on income and assets. 7. The loan is reviewed by "underwriter" and approval granted. 8. Title work is completed on the property. 9. Funds are disbursed to borrower at time of 'closing.' The process of obtaining a loan may begin even before you locate a home you wish to buy. We offer mortgage products which allow you to be pre-qualified for a maximum loan amount. Information You May Need To Provide With Your Mortgage Application 1. Name(s) and address(es) of your employer(s) and copies of two most recent pay stubs. 2. Copies of your W-2 forms for the past two years. 3. If you have income in addition to your salary and you wish to have it considered, copies of your federal tax returns for the past two years. 4. If you are self-employed, copies of your federal tax returns for the past two years and copies of your company's year-to-date profit and loss statement and balance sheet prepared and signed by an accountant. 4a. Names and addresses of the financial institutions where you have accounts or copies of your three most recent statements. 5. If you already own property, name(s) or address(es) of the institution(s) that hold your mortgage(s) or copies of your recent statements. 6. A signed copy of your deposit receipt or purchase agreement for your new home. 7. An estimate of your outstanding debt along with account numbers for your credit cards, outstanding loans, mortgages and back accounts. HOME