Ardent Loans

Ardent Loans NMLS #2403107 | 404-277-5884 A native of Montreal, Canada, Max has lived in Johns Creek Georgia for more than 35 years.

Entering the mortgage business in 2003 Max was instantly recognized nationally as a top producer by 'Mortgage Originator' Magazine and shortly thereafter for excellence in service by Emmy award winning consumer advocate Dale Cardwell. Max has also been recognized in 'Atlanta' magazine as a Five Star Mortgage Professional. A member of the UGA Finance Club as well as a writer for the school newspape

r 'The Red and Black', he received a BBA in General Business from the University of Georgia Terry College of Business with a Minor in English. Max and his wife Lindsey have 3 boys and currently live in Johns Creek Georgia. They enjoy coaching youth sports and traveling with family and friends.

05/28/2026

🚨 BIG NEWS! 🚨

We finally have Doctor Loans available! 🏥🏡

A few highlights:

✅ $0 Down up to $2 Million
✅ 680 Minimum Credit Score
✅ Up to 50% Debt-to-Income Ratio

This is a great option for eligible medical professionals looking to buy a home without a large down payment.

Know a doctor, resident, fellow, dentist, or veterinarian who is thinking about buying a home? Send them this video!

📲 Call, text, or email me with ANY questions.

05/07/2026

FREE 1% Rate Buydown?!

One of our lenders is currently offering a program where buyers can get a rate that’s 1% LOWER for the first year.

Example:

Market Rate: 6.250%
Year 1 Rate: 5.250%
Years 2–30: 6.250%

This can help create lower monthly payments during that first year without locking buyers into anything long term.

And the best part:
• No hidden catches
• They can still refinance
• Re-cast the mortgage
• Pay the loan down early

Please reach out with any questions.

04/30/2026

3 updates in 3 minutes that every Realtor should have on their radar right now:

• Appraisal changes expected later in 2026
• Credit scoring model updates coming soon
• The Fed holding rates steady (and what that really means for your buyers)

If you want to break down how this affects your clients or current deals, just reach out.

04/24/2026

Some important condo updates are coming later this year, and they could impact financing for your buyers.

In this quick video, I break down what’s changing and what you should be paying attention to so you can stay ahead and better guide your clients.

If you have any questions or want to talk through how this may affect a specific deal, feel free to reach out anytime.

03/24/2026

Most Georgia home buyers think comparing lenders is just about the interest rate. It’s not.

In this video I break down how to actually compare lender fees and understand the true cost of a loan.

There are a few simple things buyers should be looking for when reviewing loan estimates, and getting this right can save them a significant amount of money.

As lenders in Georgia, our job is to educate so buyers can make informed decisions. If you or your clients ever want a second set of eyes on a loan estimate, I’m always happy to help.

03/17/2026

Buyers often get nervous when mortgage rates move around, but there are ways to protect them while they shop for a home.

I recorded a quick video explaining a few strategies that can help buyers in Georgia navigate a volatile rate market and position themselves to secure the best possible rate when the time comes.

When home buyers understand their options, it removes a lot of the uncertainty and helps them feel more confident during the home search.

There is also some encouraging news in the market. Buyer applications are up about 10 percent year over year, which is a strong sign that serious buyers are still out there.

If you have buyers with questions about rates or the financing process, I am always happy to help.

01/30/2026

The Fed meeting came and went with no big surprises. No rate cut, which most people expected. Mortgage rates are holding steady and remain low.

The Fed is still focused on inflation, but we didn’t see any major market moves as a result. We’ll continue to watch things closely and keep you posted if anything changes.

One quick reminder that always helps with client conversations: Fed rates are not mortgage rates. Fed decisions directly impact things like credit cards, student loans and HELOCs. Mortgage rates are longer-term and driven by different factors.

I also added a little cold-weather bonus at the end of the video. Pro tips from your Canadian/American loan officer as the cold rolls in.

Running your dishwasher on a delay overnight helps keep water moving and can reduce the risk of frozen pipes, along with dripping faucets. During the day while you’re home, it’s actually a great time to run your oven’s self-cleaning cycle. It throws off a lot of ambient heat and knocks out a chore at the same time.

Feel free to watch and share the video if helpful. As always, reach out if you want to talk through how this affects any of your buyers or listings.

01/22/2026

I put together a quick 2 minute video this morning that breaks down why now is actually a great time to buy a home.

Feel free to watch and share on social if you think it would be helpful for your clients or audience.

In the video, I cover:

- Low rates
- Inventory
- Seller concessions

Short, simple, and very buyer focused. Have a great day and stay warm and safe this coming weekend.

01/15/2026

Never let a lender negotiate your purchase contract.

This comes up all the time. A listing agent asks the lender to confirm faster close dates, adjust contingencies, or fill in missing contract details before it goes binding.

That is contract negotiation and it should always stay with the buyer’s agent.

Any change to a date, number, or term even filling in a blank can impact the deal. That is why we always defer back to the agents. We do not want to step on toes or put anyone in a bad position.

If a listing agent reaches out to us to make adjustments, we ask them to connect directly with the buyer’s agent so everything stays clean, clear and protected for the client.

12/11/2025

Recorded a quick video this morning breaking down what happened at the recent Fed meeting. Here are the main points:

• The Fed dropped the rate to 3.500 percent, a 0.250 percent cut
• Mortgage rates held steady with no reaction
• Fed members were split again, with some wanting a bigger cut and others not wanting a cut at all
• Inflation concerns continue to drive the conversation, and Powell noted he hopes current inflation pressure is tied to tariffs rather than something more permanent

Stay warm!

Address

8000 Avalon Boulevard, Suite 100
Alpharetta, GA
30009

Telephone

+14042775884

Website

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