The Tate Mortgage Team

06/23/2026

Not sure what counts as total income when buying a home? You're not alone! 🏡💰

Your total income can include salary, bonuses, commissions, self-employed income, and sometimes rental or investment income.

Have questions? Reach out today!

06/19/2026

5.0 star review received on Experience.com for Dennis Tate by Kristen L - Thank you Stacy, Andrew and Dennis for such a great experience :)

Click to see all 822 reviews of Dennis Tate, Mortgage Banker | NMLS # 238688

06/18/2026

Are you ready? 🏡

The buyers who win aren't luckier, they're just more prepared. Being market ready means having your pre-approval in place, your paperwork ready, and a clear understanding of your budget so you can move quickly and confidently. 💚

No matter what the market is doing, preparation puts you in control. Have questions? Let's talk!

06/17/2026

5.0 star review received on Experience.com for Dennis Tate by Kevin R - The Tate Team went above and beyond in their efforts to secure my ReFi. there were a Lot of bumps along the way and they dealt with them promptly and professionally. They kept me up to date at every step along the way . I couldn't ask for a better group of professionals to handle my mortgage needs. Dennis, Lisa, Stacey, Drew and anyone I may have forgotten, thank you so much for your efforts . I know this was a challenging situation, but you all handled it with ease . Thank you again for all your help. The next tine time I need mortgage help. The Tate Team will be my first and only call

Thanks again,
Kevin

Click to see all 821 reviews of Dennis Tate, Mortgage Banker | NMLS # 238688

06/16/2026

Saving for a home can feel like a big hurdle, but the right support can make all the difference. 💚 Down payment assistance programs are designed to give buyers a boost by lowering upfront costs and making homeownership within reach.

With that extra boost, you may be able to move forward sooner, keep more savings in your pocket, and feel more confident in your purchase.

For more information on down payment assistance, visit here: https://flatbranchhomeloans.com/loan-programs/down-payment-assistance

06/11/2026

When buying a home, taxes play a bigger role than most people expect! 🏡

Property taxes are included in your monthly mortgage payment, which means higher taxes can impact how much home you can comfortably afford. Even if two homes have the same price, different tax rates can change your monthly payment significantly. 💰

Our job is to help you look at the full picture, not just the purchase price. We're here to guide you toward a payment that feels comfortable, sustainable, and supportive of your goals now and in the future! 💚

Have questions? Reach out today!

06/09/2026

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother!

Here's the path from submitting an application to getting keys in hand:
📝 Apply and get pre-approved
🏡 Shop for homes within your budget
✍️ Make an offer and go under contract
📂 Our team prepares your file and reviews your documents
✅ Get cleared to close
🔑 Sign the paperwork and receive your keys

Have questions about the process? Let's talk!

06/05/2026

5.0 star review received on Experience.com for Dennis Tate by Candace T - Dennis and his team are Amazing as always!

Click to see all 820 reviews of Dennis Tate, Mortgage Banker | NMLS # 238688

06/04/2026

5.0 star review received on Experience.com for Dennis Tate by Alesha H - The entire team is so helpful and responses are very timely. The follow up and experience feedback was also appreciated . no questions were left unanswered at anytime .

Click to see all 819 reviews of Dennis Tate, Mortgage Banker | NMLS # 238688

06/04/2026

Your LTV ratio can directly affect your monthly payment and overall loan costs. 💵

Loan-to-value = loan amount ÷ home value × 100

LTV stands for loan-to-value, or how much you’re borrowing compared to the home’s value.

Why it matters:
📈 Higher LTV can mean a higher payment
💰 Lower LTV could help you save over time

Even a small change in your down payment can impact your LTV ratio. ✅

Let’s get you home!