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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 5pm

The Elkins Team at Fairway Home Mortgage

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Columbus, GA
The Elkins Team at Fairway Home Mortgage

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Trusted mortgage lending company helping with home loans, refinancing, and closing services.

As one of the top mortgage companies in Columbus, Envoy Mortgage is committed to providing a stress-free home buying process for every one of our customers buying a home. With over 20 years in the business, we offer a variety of options such as the Conventional loan, FHA loan, VA loan and many other types of home loans, at some of the most competitive mortgage rates Columbus has to offer. Our commitment to providing expertise and quality service to every homebuyer and partner we run across has resulted in strong customer loyalty and satisfaction nationwide. To love your mortgage experience, contact one of our Columbus mortgage lenders and find out why Envoy Mortgage is rated one of the nation’s best mortgage lenders.

11/03/2026

Self-employed, working on 1099, or earning income through investments? Your mortgage options may be different from what you think. 👀🏡

Not every borrower's financial picture looks the same, and that's okay. Income from self-employment, contract work, investments, or other nontraditional sources may require a closer look when determining qualifying income.

The important thing is finding the right way to review your income and understand which loan options may fit your situation.

So if your file looks a little different, don't count yourself out before exploring your options. Let's take a look and see what may be possible.

11/02/2026

10/30/2026

One lender said no. Does that mean your buyer is out of options? Not necessarily.

A buyer's mortgage situation can be more complex than a simple yes or no. Different lenders may have access to different loan programs, guidelines, and ways to evaluate a borrower's situation.

That's why it's important not to treat one lender's answer as the final word without understanding the reason behind it.

For Realtors, having a lending partner who's willing to look deeper can make a difference when a buyer hits a roadblock.

Sometimes the next step isn't giving up. It's taking another look.

10/28/2026

Tax returns don’t always show what a business owner really earns. Bank statement loans look at your actual cash flow instead, so a “no” from one lender isn’t always the final answer.

If you’re self-employed and a lender has told you no, or you assumed you wouldn’t qualify, send me a message. Let’s look at your actual numbers before you give up on the idea.

10/28/2026

Brand new construction in Columbus 🏡 1442 Grove Park Dr #2

📍 3 beds | 3 baths | 2,284 sqft
💰 $350,250
🚗 2 car garage
🛏️ Primary suite on the main level

Townes at Grove Park is built for everyday convenience, with an open concept layout, granite countertops, sleek cabinetry, and stainless steel appliances. Select units even offer a customizable basement with a rec room and full bath, or a rec room plus a 4th bedroom and bath.

Right now the builder is offering $25,000 in flex cash for a limited time, and special financing options may be available when you use one of the builder’s preferred lenders.

Send me a message and I’ll show you what you may qualify for 👇

10/27/2026

Your down payment is only one part of the homebuying equation.

Before closing, remember to budget for closing costs, moving expenses, and other upfront costs. Once you’re in your new home, repairs, furniture, and unexpected expenses can add up, too.

Putting more money down can have benefits, but using every dollar you have upfront may leave you with less flexibility afterward. Depending on your loan options and financial goals, a smaller down payment could be worth exploring.

The goal isn’t just to get the keys—it’s to feel financially comfortable after you get them.

10/26/2026

Buying a home is a lot easier when the paperwork isn’t your problem. Step 1: call me. Steps 2 through 10? Handled. Cooler’s stocked, so we’re good.

10/26/2026

Address

5820 Veterans Parkway
Columbus, GA
31904

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Telephone

+17063204512

Website

http://www.harriettelkins.com/

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