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Clyde The Mortgage Guy: Clyde Penton at Rate NMLS 979755

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Clyde The Mortgage Guy: Clyde Penton at Rate NMLS 979755

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Producing Partnership Branch Manager NMLS 979755 at Rate (operating as Guaranteed Rate, Inc. in New York state) NMLS 2611.

Specializing in VA mortgage loans, but experienced in FHA, Conventional, USDA and Construction loans. You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate. I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/ghsbMIykewF/aMG10

NMLS # 979755

11/02/2026

🇺🇸 BUYING A HOUSE BEFORE DEPLOYMENT? THINK TWICE! 🏡

Is buying a home before deployment a smart move or a financial risk?

The answer? It depends on your timing, preparation, loan requirements, and support system.

For military families, buying a home while preparing for deployment comes with a few extra things to consider. You may be excited about securing a home for your family, but you also need to make sure everything is properly planned before service takes you away.

Here are 5 important things to consider before buying:

✅ 1. OCCUPANCY REQUIREMENTS
VA loans have specific occupancy requirements. Depending on the circumstances, certain active-duty situations may allow a spouse to satisfy occupancy requirements. Make sure your situation is reviewed before moving forward.

✅ 2. POWER OF ATTORNEY
Will your spouse need to handle paperwork or closing responsibilities while you're deployed? Discuss signing arrangements with your lender and closing agent early.

✅ 3. COMMUNICATION PLAN
Make sure you have a reliable way to communicate with your lender, real estate agent, and closing team, especially when your availability may be limited.

✅ 4. PROPERTY MANAGEMENT
Who will handle maintenance, repairs, emergencies, and unexpected expenses while you're away?

✅ 5. FINANCIAL PREPARATION
Don't just focus on getting approved. Make sure the monthly payment, utilities, insurance, maintenance, and emergency savings fit your family's budget.

Remember: Buying before deployment isn't automatically a bad decision. But going into homeownership without a plan can create unnecessary stress for your family.

My goal is to help military families understand their options, prepare properly, and make informed decisions when using their VA home loan benefit.

📲 Have questions about buying before deployment or using your VA benefit?

Clyde Penton | Clyde the Mortgage Guy
📞 404-604-7013
🌐 www.pcswithus.com

👇 LET'S SETTLE THIS!

Would you buy a house before deployment, or would you wait until you return?

Drop your answer in the comments! Share this with a military family preparing for deployment.

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/ghsbMIykewF/5Ew78

NMLS # 979755

10/30/2026

🚨 THE LOWEST MORTGAGE RATE ISN'T ALWAYS THE BEST DEAL! 🏡

Military homebuyers, don't let a low interest rate fool you!

You've probably heard someone say, "I'm going with the lender who gives me the lowest rate."

But here's the problem: A lower rate doesn't automatically mean a cheaper mortgage!

Sometimes that attractive rate comes with discount points, higher upfront costs, additional fees, or more money needed at closing.

Before choosing a lender, make sure you're comparing the COMPLETE loan offer.

🔎 HERE'S WHAT YOU SHOULD COMPARE:

✅ Interest Rate: What rate are you actually being offered?

✅ APR: What does the annual percentage rate tell you about the overall cost of borrowing?

✅ Discount Points: Are you paying extra upfront to obtain that lower rate?

✅ Lender Fees: What fees are being charged by the lender?

✅ Cash to Close: How much money will you actually need to bring to closing?

✅ Monthly Payment: What will your complete monthly housing payment look like, including taxes and insurance?

✅ Loan Terms: Are you comparing the same loan type, term, and structure?

🇺🇸 A MESSAGE FOR MY MILITARY AND VA BUYERS:

When you're preparing for a PCS, relocating your family, or purchasing your first home, the last thing you want is to discover that your supposedly cheaper mortgage comes with unexpected costs.

Don't shop for just an interest rate. Shop for the loan that makes the most financial sense for your situation.

As your lender, my job is to help you understand the numbers, explain your options, and make an informed decision—not just throw a rate at you.

💬 LET'S SETTLE THIS:

Would you choose:

A. The lowest interest rate with higher upfront costs?

B. A slightly higher rate with lower upfront costs?

Drop A or B in the comments!

📲 Let's compare your options before you make a decision.

Clyde Penton | Clyde the Mortgage Guy
📞 404-604-7013
🌐 www.pcswithus.com

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/ghsbMIykewF/oacL1

NMLS # 979755

10/29/2026

🇺🇸 PCS ORDERS DON’T GUARANTEE MORTGAGE APPROVAL! 🏡

Got your PCS orders and already dreaming about your family’s next home? Before you start house hunting, let’s talk about what it takes to qualify for a mortgage!

Your PCS orders tell you where you may be headed, but they don’t automatically guarantee loan approval. Even as an active-duty service member, there are several important things to review before you’re ready to buy.

✅ YOUR PCS HOME BUYER CHECKLIST

☑️ Income: Review your base pay, eligible allowances, and other qualifying income.

☑️ Credit: Understand your credit profile and how it may affect your loan options.

☑️ Debt: Check your monthly obligations and how they affect your debt-to-income ratio.

☑️ VA Eligibility: Confirm your eligibility and obtain your Certificate of Eligibility (COE) if you're using a VA loan.

☑️ Occupancy: Make sure your plans for living in the home fit the applicable loan requirements, especially if you're moving on military orders.

☑️ Property Requirements: Remember that the home must meet the applicable appraisal and loan requirements.

☑️ Budget: Calculate the full monthly housing cost, including principal, interest, property taxes, homeowners insurance, utilities, and maintenance.

☑️ Preapproval: Have a lender review your financial picture before making offers or committing to a purchase.

🎯 The bottom line: Planning ahead can help you identify potential challenges, understand your options, and make more informed decisions before your next PCS.

Military families have unique timelines and circumstances. Let's build a homebuying plan around your orders, your finances, and your family's goals—not assumptions.

📲 Clyde Penton | Clyde the Mortgage Guy
📞 404-604-7013
🌐 https://www.pcswithus.com

💬 QUESTION: Are you PCSing in the next 6–12 months? Comment PCS below, and let's talk about preparing for your next home purchase!

10/28/2026

When you bring Mom and Dad to the showing and Dad goes from homebuyer to demolition crew in 10 minutes. 🤣🔨

10/27/2026

🏡🇺🇸 YOUR BAH IS NOT YOUR HOUSE BUDGET! 🇺🇸🏡

Military homebuyers, let's talk about something important! 👀 Just because your Basic Allowance for Housing (BAH) covers a certain amount doesn't automatically mean that amount is the right budget for your next home.

Your BAH is an important part of your financial picture, but buying a home means looking at the WHOLE picture. 🏠💰

Before you start shopping for your dream home, make sure you account for:

✅ Property Taxes – These can have a significant impact on your monthly payment.

✅ Homeowners Insurance – Protecting your home is an important part of the cost of ownership.

✅ Utilities – Electricity, water, internet, and other monthly expenses add up.

✅ Existing Debts – Car payments, credit cards, and other obligations affect your overall budget.

✅ Maintenance and Repairs – Every home needs upkeep, and unexpected repairs can happen.

✅ Emergency Savings – Leave room in your budget for unexpected expenses and life's surprises.

💡 Here's the goal: Don't just ask, "How much house can my BAH cover?" Ask, "What monthly payment can I comfortably afford while still meeting my other financial goals?"

For military families, this is especially important when planning a PCS. You want a home that fits your budget, your duty station, your lifestyle, and your future plans—not just a home that looks good on paper.

As a mortgage lender, I want you to understand your options, know the numbers, and make an informed decision before you commit.

📣 Military homebuyers: Does your BAH cover your entire housing budget, or do you have to supplement it with other income? Share your thoughts in the comments!

📲 Ready to explore your home financing options?

Clyde Penton | Clyde the Mortgage Guy 📞 404-604-7013 🌐 [www.pcswithus.com](https://www.pcswithus.com?utm_source=chatgpt.com)

10/27/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/ghsbMIykewF

NMLS # 979755

10/27/2026

When another lender tries to steal my borrower, but my borrower says, “I already have the best lender!” 😎😂

Address

1494 Prince Avenue
Athens, GA
30606

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	8am - 8pm
Sunday	8am - 8pm

Telephone

+14046047013

Website

http://www.clydethemortgageguy.com/, http://rate.com/clydepenton

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