Patrick Johnson Atlantic Home Mortgage NMLS# 237322

09/06/2025

Way overdue! Hallelujah!

The bipartisan legislation prevents homebuyers from being inundated with unsolicited calls, texts, and emails from competing lenders offering loans.

10/08/2022

Find out if refinancing your 🏠 is right for you.

06/08/2022

Are you a homebuyer looking to renovate your existing or new home? With HOMESTAR, the 203k loan makes renovations and upgrades possible!

05/10/2022

Great job Patrick on going above and beyond to make the dream of homeownership a reality! Patrick Johnson Homestar Financial NMLS # 237322 GA License 66439

04/06/2022

What is escrow? Escrow is your monthly allowance for property taxes, homeowners insurance, and potentially private mortgage insurance (PMI).

02/24/2022

Uniform Residential Loan Application = A standard mortgage loan application form on which you provide the lender with information required to assess your ability to repay the loan amount and to help the lender decide whether to lend you money.

02/03/2022

Earnest money is important in the homebuying process! It is a deposit of good faith paid to the seller showing that you are serious about purchasing the home.

You can negotiate the earnest money deposit with the seller. However, the amount often ranges from 1% to 2% of the home's purchase price (it can be higher depending on the market).

01/28/2022

That moment when you refinance your home and know that you are going to be saving money!

01/26/2022

How to calculate your debt-to-income (DTI) ratio:

1. Add up your monthly bills, including credit cards, loans, and your rent or mortgage.
2. Divide the total by your gross monthly income (before taxes).
3. Result is your debt-to-income ratio (multiply by 100 to get the percentage). The lower your debt-to-income ratio, the better!