The BALD Mortgage Guy

04/08/2026

🏡 Wednesday Buyer Tip 🏡

Here’s something most buyers overlook when house hunting…

💡 Your monthly payment matters more than the purchase price.

Two homes at the same price can have very different payments depending on:
✔️ Property taxes
✔️ Insurance costs
✔️ Interest rate
✔️ HOA fees

👉 That’s why getting fully pre-approved (not just pre-qualified) is a game changer—you’ll know exactly what your REAL payment looks like before you fall in love with a home.

The goal isn’t just to buy a house… it’s to be comfortable living in it.

If you want, I can break down a realistic monthly payment for you in under 10 minutes. No pressure.

📩 Send me “PAYMENT” and I’ll run your numbers

02/28/2026

⸻

🏠 FHA Loan: Easier to Get In the Door

Think of an FHA loan as the “help me get started” option.

✔ Lower credit score? Still possible.
✔ Smaller down payment? That works.
✔ Higher debt-to-income? More flexibility.

Tradeoff:
You’ll pay mortgage insurance upfront and monthly — and in many cases, it sticks around for the life of the loan. That means higher long-term cost, even if the starting payment feels manageable.

⸻

💼 Conventional Loan: Reward for Strong Credit

Think of a conventional loan as the “financial strength discount.”

✔ Good credit? You’re rewarded.
✔ Put 20% down? No PMI at all.
✔ Less than 20% down? PMI can be canceled once you build equity.

Benefit:
Lower long-term costs and more control over your mortgage insurance — which can save thousands over time.

⸻

🎯 Simple Bottom Line
• FHA = Easier approval, higher long-term insurance cost.
• Conventional = Harder to qualify, but cheaper over time for strong borrowers.

01/15/2026

‼️ Good Afternoon‼️💰🏠

If you're thinking about being a homeowner, but aren't sure about your credit, here's a break down of the various options:

-FHA (3.5% down) and VA (0 down) loans as low as a 580 credit score

-USDA (0 down) loans as low as a 581 credit score

-Offer home improvement and rehab loans (203K)

-Down payment assistance programs min 580

-Conventional programs for 620 and higher credit scores.

-Bank Statement Loans 660 credit score

-ITIN Loans

-No income investment loan 700 credit score

-Free credit score improvement programs for borrowers who don’t qualify today, but we can put them in our pipeline and close them in a few months.

CALL ME TODAY to start the process of HOMEOWNERSHIP!! 770-654-8599

01/15/2026

Join us in person to learn all the insider tips and tricks for buying your first or dream home hassle-free!

08/04/2024

‼️‼️Good Morning! Rates have dropped and…….

Homeownership builds long-term wealth! Each mortgage payment you make means a decrease in debt and increase in equity.

When you rent, you are helping your landlord increase their wealth. 🏠💰🏠💰🏠

Tommy Patterson (The Bald Mortgage Guy)

07/28/2024

Distinguishing between Mortgage Credit Reports and Consumer Credit Reports!

07/24/2024

04/12/2024

OPEN HOUSE: Saturday, April 13th, 12pm-3pm

📍 310 Village Grn | Savannah Quarters

🛏️ - 3 Bedrooms
🛁 - 3.5 Bathrooms
🏡 - 1,842 SqFt
💰 - $365,000

Location! Location! Location! Indulge in the luxury of choice with this open and airy end-unit townhome in Village Green at Savannah Quarters! Step into elegance with sanded and stained hardwoods throughout the main living area and freshly painted walls and trim. Whether you prefer the convenience of an owner’s suite on the main floor or desire the privacy of an upstairs retreat, every bedroom exudes comfort and style. With sizable walk-in closets, garden tubs, showers, and tile flooring, each space feels like a sanctuary. All carpets have been replaced with easy-to-maintain luxury vinyl planks. Enjoy the loft area for relaxation or extra living space. Outside, unwind on your screened-in porch or entertain in the courtyard. This home also provides a two-car garage and two off-street parking spaces. Discover the delights of your community as you easily access local shops and restaurants by golf cart, bicycle, or simply strolling on foot.

Listed and Marketed by:
Tracy Quarterman (912) 547-1691
Stefenia Thompson (912) 387-4558

04/04/2024

https://www.tiktok.com/t/ZPRTChVX4/

Check out The Bald Mortgage Guy’s video.

04/04/2024