Clyde The Mortgage Guy: Clyde Penton at Rate NMLS 979755

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.

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/ghsbMIykewF/NsCZw



NMLS # 979755

📊 PCS & INTEREST RATE DECISIONS: WHAT SHOULD MILITARY HOMEbuyers FOCUS ON?When you’re preparing for a PCS, it can be tem...
09/02/2026

📊 PCS & INTEREST RATE DECISIONS: WHAT SHOULD MILITARY HOMEbuyers FOCUS ON?

When you’re preparing for a PCS, it can be tempting to wait for the “perfect” interest rate. But the lowest rate isn’t always the most important factor—your overall loan strategy, monthly payment, timeline, and long-term plans matter too.

Here are a few things to consider:

🏠 1. Focus on the payment, not just the rate
A slightly different interest rate can affect your monthly principal and interest, but taxes, insurance, HOA dues, loan amount, and other costs also impact your total housing payment.

📈 2. Rates can change daily
Mortgage rates move with market conditions. Instead of trying to perfectly time the market, understand the available options and how different scenarios affect your budget.

🔒 3. Understand your rate-lock options
If you're under contract, ask your lender how rate locks work, how long the lock lasts, and what happens if your closing date changes.

🎖️ 4. Your PCS timeline matters
A military move can create unique timing challenges. Your closing date, orders, reporting date, temporary housing, and whether you're buying or renting should all be part of the conversation.

💰 5. Look at the BIG picture
A VA loan may offer benefits such as potentially zero down payment for eligible borrowers and no monthly PMI, but qualification, loan limits, funding fee considerations, and other requirements still apply.

👉 The goal isn't necessarily to find the lowest rate—it’s to build a mortgage strategy that makes sense for YOUR mission, budget, and timeline.

📲 Have questions about rates, VA loans, or buying before a PCS? Call or text 404-604-7013.

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/ghsbMIykewF/2d8XA



NMLS # 979755

🏡 What Happens After VA Loan Preapproval?Getting preapproved is a major milestone—but it’s just the beginning of the hom...
09/01/2026

🏡 What Happens After VA Loan Preapproval?

Getting preapproved is a major milestone—but it’s just the beginning of the homebuying journey. For military families, understanding what comes next can make the process much smoother, especially when coordinating a PCS.

Here’s the typical roadmap:

1️⃣ Preapproval – Your lender reviews income, credit, assets, debts, and eligibility to establish your buying power.
2️⃣ House Hunting – Work with your real estate agent to find a home that fits your needs and budget.
3️⃣ Offer Accepted – Your lender and agent help keep the financing and contract timelines aligned.
4️⃣ Inspection – A professional inspection helps you understand the condition of the property and identify potential issues.
5️⃣ VA Appraisal – The VA appraisal helps determine whether the property meets VA minimum property requirements and supports the purchase price.
6️⃣ Underwriting – Your lender reviews the complete loan file and may request additional documentation or clarification.
7️⃣ Closing & Keys 🔑 – Once the loan is cleared to close and final requirements are completed, you sign your documents and officially become a homeowner.

💡 PCS TIP: Don't wait until you have orders in hand to start planning. Understanding your VA eligibility, budget, timeline, and potential homebuying options early can give you more flexibility when your next duty station is announced.

📲 Questions about your VA homebuying timeline? Call or text: 404-604-7013

🏡 VA Loan Myths Military Families Hear — Let’s Separate FACT from FICTION!There’s a lot of misinformation about VA home ...
08/31/2026

🏡 VA Loan Myths Military Families Hear — Let’s Separate FACT from FICTION!

There’s a lot of misinformation about VA home loans, and believing the wrong information could keep an eligible military family from exploring one of their hard-earned benefits.

Here are a few common myths:

❌ “I need 20% down.”
✅ Many qualified VA buyers may be able to purchase with $0 down.

❌ “My credit isn’t good enough.”
✅ VA loans can offer more flexible credit guidelines, although lender requirements and your overall financial profile still matter.

❌ “I have to wait until after PCS.”
✅ Depending on your situation, you may be able to start planning and preparing for your home purchase before, during, or after your move.

❌ “I can only use my VA loan once.”
✅ Eligible borrowers may be able to restore and reuse their VA loan entitlement.

❌ “VA loans are only for first-time homebuyers.”
✅ False! Eligible Veterans, active-duty service members, and other qualified borrowers can use their benefit more than once.

Your VA home loan benefit can be a powerful tool—but understanding how it applies to your specific situation is key. Before making assumptions, talk with a knowledgeable mortgage professional and explore your options.

📞 Call or text Clyde Penton at 404-604-7013 to learn more about your VA loan options.

08/31/2026

Preparation is the part of homebuying many people skip, yet it’s the part that pays off the most. The early steps are simpler than you think, and each one makes what follows easier.

Reach out anytime and I’ll help you find your starting line.
https://myoc.io/ghsbMIykewF/Eg5qJ



NMLS # 979755

🚨 BIG CHANGES ARE COMING TO APPRAISALS! 🏡📋Starting November 2, 2026, Fannie Mae and Freddie Mac are adopting the new UAD...
08/28/2026

🚨 BIG CHANGES ARE COMING TO APPRAISALS! 🏡📋

Starting November 2, 2026, Fannie Mae and Freddie Mac are adopting the new UAD 3.6 Appraisal Format.

So, what does this mean for buyers, sellers, and homeowners?

🔹 More detailed appraisal reports — Expect more specific information about the property, improvements, and features.

🔹 More accurate property values — Better and more standardized data can help provide a clearer picture of a property’s value.

🔹 Documentation matters more — Keep receipts, permits, renovation records, and other documentation for improvements you’ve made.

🔹 Enhanced reporting — Features such as energy upgrades, ADUs, and other property characteristics will be captured with greater detail.

📌 Bottom line: Be prepared for more documentation and more detailed appraisal reporting.

If you're buying, selling, refinancing, or planning improvements, understanding these changes can help you stay ahead of the process.

📞 Let’s talk: 404-604-7013
🌐 pcswithus.com

I’m here to help you every step of the way! 🏠

08/28/2026

When you work with an online lender and try to ask questions… 😅

Then you personally talk to them🏡

🚨 VA HOMEOWNERS — THIS IS IMPORTANT! 🇺🇸🏡The VA launched a new Partial Claim Program designed to help eligible Veterans w...
08/28/2026

🚨 VA HOMEOWNERS — THIS IS IMPORTANT! 🇺🇸🏡

The VA launched a new Partial Claim Program designed to help eligible Veterans who have fallen behind on their mortgage avoid foreclosure and stay in their homes.

Here’s what you need to know:

✅ If you’ve fallen behind but can now afford your regular mortgage payment, you may have options to address the past-due amount without paying everything back at once.

✅ Eligible Veterans may be placed on a 3-month trial payment plan. If successfully completed, the servicer can bring the loan current, with VA reimbursing the servicer for the eligible past-due amount.

✅ Falling behind on your mortgage does NOT automatically mean foreclosure is your only option.

If you’re struggling with a VA mortgage, don’t ignore it. Contact your mortgage servicer and specifically ask about your available VA loss-mitigation options, including the VA Partial Claim Program.

As a VA lender, I believe helping Veterans keep the homes they worked hard to earn is just as important as helping them purchase one. 🇺🇸

📲 Clyde Penton | Clyde the Mortgage Guy
404-604-7013
[email protected]
rate.com/clydepenton

👉 Please SHARE this post. A Veteran you know may need to see this information.

08/27/2026

Refinancing isn't a now-or-never decision, it's a when-it-fits one. As your goals shift and life changes, it can be worth a fresh look at whether your current mortgage still matches where you are headed. No pressure and no rush, just a conversation when you are ready.

Save this for when the timing feels right, and reach out anytime you want to talk it through.
https://myoc.io/ghsbMIykewF/V1NSl



NMLS # 979755

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

,

Alerts

Be the first to know and let us send you an email when Clyde The Mortgage Guy: Clyde Penton at Rate NMLS 979755 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category