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Clyde The Mortgage Guy: Clyde Penton at Rate NMLS 979755

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United States
Athens, GA
Clyde The Mortgage Guy: Clyde Penton at Rate NMLS 979755

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.

06/17/2026

When my borrower tells me he's already looked at 37 houses...

And still hasn't gotten pre-approved. 🤦‍♂️😂

That's not house hunting.
That's window shopping with extra steps.

06/16/2026

Winning your dream home is full of excitement, but moving, not so much. However, with the right tips your move could be a bit easier. These are some of my favorites, what are yours?
https://myoc.io/ghsbMIykewF/vw3Gp

NMLS #979755

06/16/2026

🏡🇺🇸 **Active Duty Deployment Doesn't Mean Your Homeownership Goals Have to Wait**

Many military families assume buying a home during a deployment is too complicated—but that's not always the case.

With a VA loan, deployed service members can often purchase a home while overseas using tools such as:
✅ Secure electronic signatures
✅ Remote closings
✅ Power of Attorney (when needed)
✅ Virtual consultations and document reviews

Whether you're deployed, preparing for deployment, or supporting a spouse back home, there are mortgage solutions designed to keep your homeownership plans moving forward.

The key is working with a lender who understands military timelines, deployment logistics, and VA loan guidelines.

Have questions about buying a home while deployed? Let's talk.

📞 Call or Text: **404-604-7013**

06/16/2026

When my friend spends 3 months asking me mortgage questions...

Then picks another lender and personally delivers the news. 🤡

Thanks for letting me know, buddy. I was definitely wondering. 😂

06/15/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭𝟱, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates started last week a little higher but ended lower after reports surfaced that a peace deal with Iran was close and could possibly be signed over the weekend. Even though both consumer and wholesale inflation continued to rise, markets largely expected those increases, so mortgage rates showed little reaction.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗹𝗼𝘄𝗲𝗿 👍
With a peace agreement now in place and the Strait of Hormuz expected to fully reopen, oil prices have fallen and mortgage rates could continue to improve. The biggest test this week comes Wednesday when new Fed Chair Kevin Warsh holds his first Fed meeting and press conference.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: The peace agreement is expected to be formally signed Friday, and the reopening of the Strait of Hormuz should help bring oil prices lower. That would ease inflation concerns and help mortgage rates improve over coming weeks.
• The Fed: Wednesday's Fed meeting could create some volatility in mortgage rates, especially during and after Chair Warsh's press conference as markets assess the Fed's outlook for future rate policy.
• Juneteenth: Markets and many mortgage companies will be closed on Friday.

06/15/2026

For those who bought a house at a duty station:
Did you regret buying
or
was it one of the best financial decisions you've made?
Why?

06/15/2026

Escrow is designed to smooth out your costs over time. It’s one of the key terms that shapes how homeownership actually works. Instead of large, unpredictable expenses, you’re planning ahead each month. I’ll help you understand how it fits into your full payment.

Let's connect.
https://myoc.io/ghsbMIykewF/v2VJm

NMLS #979755

06/11/2026

🏡🇺🇸 **VA LOAN APPRAISAL PROCESS: WHAT MILITARY HOMEBUYERS NEED TO KNOW**

One of the most misunderstood parts of the VA loan process is the appraisal.

A VA appraisal does more than determine a home's value—it also helps protect military families by ensuring the property meets the VA's Minimum Property Requirements (MPRs).

During the appraisal, the appraiser evaluates:

✅ The home's market value
✅ Safety concerns and health hazards
✅ Roof condition and structural integrity
✅ Working utilities and heating systems
✅ Proper handrails and stair safety
✅ Functioning smoke detectors
✅ Overall livability of the property

The VA appraisal is designed to help ensure you're purchasing a home that is safe, sound, and worth the price you're paying.

If issues are identified, they may need to be repaired before closing can move forward. While that can feel frustrating, it often protects buyers from unexpected expenses after moving in.

Understanding the appraisal process early can help reduce surprises and keep your transaction on track.

Have questions about VA loans or the homebuying process?

📲 Call or Text Clyde Penton
**404-604-7013**

06/11/2026

You don’t just live in your home, you build something in it over time. That accumulated value could become a powerful financial tool when you need it. I’ll help you understand how your home equity fits into your bigger plan.

Contact me to learn more.
https://myoc.io/ghsbMIykewF/kLl6k

NMLS #979755

06/10/2026

When you close on a house thinking DIY will save you money...

Three trips to Home Depot, six YouTube tutorials, and one emergency call to a professional later... 😂🔨🏡

Turns out the most expensive part of DIY was my confidence.

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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