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.

08/28/2026

🚨 Realtors: Big changes are coming to appraisals beginning November 1st.

Appraisals are about to become MUCH more detailed.

Instead of simply noting that a home has “upgrades,” appraisers will be documenting specifics like:

• What materials were used
• When the upgrades were completed
• Details on countertops, cabinets, bathrooms, flooring and more

For listing agents, this could mean appraisers spending significantly more time at the property.

For buyer’s agents, it could mean longer appraisal turn times and potentially higher appraisal costs, at least initially, as appraisers adjust to the new requirements.

The good news? We’ll be keeping a close eye on appraisal timelines and costs and will keep our Realtor partners updated.

If you have buyers or sellers under contract, this is something you’ll want to be aware of.

500 Google Reviews!We did it! Ardent Loans has officially reached 500 Google Reviews!This is an incredible milestone, an...
08/25/2026

500 Google Reviews!

We did it! Ardent Loans has officially reached 500 Google Reviews!

This is an incredible milestone, and we couldn’t have done it without the amazing clients, Realtor partners, friends, and families who have trusted us along the way.

Every review represents a relationship and a homeownership journey we’ve had the privilege of being part of. We are truly grateful to everyone who took the time to share their experience with us.

To our incredible Realtor partners — thank you for trusting us with your clients and allowing us to be part of your business. We’re proud to be a mortgage partner you can count on for communication, experience, and a smooth path to the closing table.

And to every client who has chosen Ardent Loans and shared a review…

THANK YOU! Your trust drives everything we do.

Here’s to 500 reviews and many more families we look forward to helping!

08/14/2026

Think the final numbers are done? Think again.

Real estate tax bills are being released, and they can create last-minute changes to a transaction even after closing figures have already been sent out.

In this video, I explain:

• How tax bills impact buyers and sellers
• Why attorneys and lenders may need to revise final numbers
• What agents should expect as tax bills are released

A little preparation can help avoid surprises right before closing.

08/06/2026

Think all lenders are the same? Think again.

In just the last week I've seen deals fall apart because of:

• Poor underwriting
• Missed contract deadlines
• Buyers paying far more than they should

Watch this quick 3-minute video to learn why choosing the right lender can make or break a transaction.

07/30/2026

Before your buyer terminates a contract... stop and make one phone call. Talk to the lender first. There are times when what seems like a deal killer can actually be solved with a different loan option, a financing adjustment, or another strategy. But once the contract is terminated, those options may no longer matter.

I put together a quick 1.5-minute video explaining why this conversation is so important for both buyers and Realtors.

Have you ever had a deal saved because everyone took a step back and worked through the problem? Let me know in the comments.

07/23/2026

Should your clients rent or buy? Let's look at what the numbers say.

In this video, I compare two people who made very different decisions 10 years ago:

🏠 Person A chose to rent.
🔑 Person B chose to buy.

Fast forward to today, and the financial results may surprise you.

If you have renters who are waiting for the "perfect" time to buy, this is a great video to share. It highlights the long-term impact of building equity versus continuing to rent.

If you have questions about a specific buyer's situation, feel free to reach out. I'd be happy to help!

07/16/2026

A roof isn't just a maintenance item anymore — it can impact insurance approval, monthly payment, and even mortgage qualification.

Recently we've seen:

- Buyers face much higher insurance premiums on older roofs.
- Debt-to-income issues caused by those increased premiums.
- Contracts fall apart because buyers couldn't obtain homeowners insurance.

The biggest surprise? Many insurance companies are now treating a roof over 10 years old as "old."

Whether you're listing a home or helping a buyer, knowing the roof's age early can prevent major surprises later in the transaction.

Check out the quick video for the full explanation.

07/02/2026

With college move-in season around the corner, this is a great reminder for buyers and homeowners with college-aged kids.

Check out this quick 2-minute video for helpful tips on what to do, and what not to do, before co-signing a college lease.

Something as simple as co-signing can impact debt-to-income ratios and potentially affect mortgage qualification, so it’s always smart to have clients speak with their lender first.

A quick conversation upfront can help avoid surprises later. As always, feel free to reach out with any questions.

Wishing you and your family a safe and happy 4th of July!

06/26/2026

Did your buyer miss the Homestead Exemption filing deadline? They may still have options.

In counties like Fulton County, homeowners may be able to appeal and potentially still file for Homestead if they act within 45 days of receiving their tax assessment notice.

This is also a great reason for Realtors to reconnect with buyers from 2025 and provide real value.

A quick follow-up could potentially save your past clients money on property taxes.

Check out my quick video to learn more, and reach out if you have questions.

06/11/2026

One of the simplest ways to save serious money on your mortgage isn’t complicated at all.

In the latest video, I break down how making just one extra mortgage payment per year can reduce your loan term and cut down thousands in interest over time.

Small strategy. Big long-term impact.

If you’re buying a home or already own one, this is something worth understanding early.

Reach out if you want me to run the numbers on your specific loan.

Address

8000 Avalon Boulevard, Suite 100
Alpharetta, GA
30009

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