Stone Oak Mortgage

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Stone Oak Mortgage We provide guidance and insight to families and individuals seeking to successfully purchase, refinance or sell their home. Please give me a call.

Stone Oak Mortgage helps everyday buyers find clear mortgage solutions for real-life financial scenarios—so income, credit, or timing challenges don’t have to stand in the way of homeownership. I bring to the loan experience over 15 years of mortgage industry knowledge - helping individuals get the best loan to meet their needs through VA, FHA and Conventional loans. I lead a dynamic team of mortgage professionals, whose goal is to find out the immediate and long term needs of our clients. Understanding our client helps us provide them with the individualized attention we give to every loan. My years of experience in the financial industry have afforded me the opportunity to give direction, understanding and most importantly - home ownership to more than 1,000 individuals. Please note, not all of those individuals had an excellent credit history. I have been privileged to work with and help a diverse group of clientele, including customers with challenging to no credit history. Just a little personal note about myself - I am a family man that loves great food and will play soccer any chance I get. I look forward to discussing how I can help you accomplish your home goals.

Back in April, we told you a new credit score was coming to mortgages. It's here. 📊Since September, lenders that sell wo...
10/24/2026

Back in April, we told you a new credit score was coming to mortgages. It's here. 📊

Since September, lenders that sell work with Fannie Mae and Freddie Mac loans can use VantageScore 4.0 instead of Classic FICO. FHA joins in January 2027.

What's different:
✅ It looks at how your balances trend over time, not just one snapshot
✅ Paid collections don't count against you
✅ Rent and utility payments can help when they're reported to the credit bureaus

One thing to know: the lender picks the score, not the buyer. And the score on a free credit website may not match what a lender sees.

If you were told you were "almost there" this past year, it may be worth a fresh look.

Read the full guide:
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/new-credit-score-mortgage-lenders?utm_source=facebook&utm_medium=social&utm_campaign=vantagescore-oct26&utm_content=company-page

Ready to stop chatting with AI and start talking to a mortgage professional who can close your loan?
Get your Real Numbers: CALL (678) 568-4568 / TEXT (678) 606-3359 or reach out via our ONLINE Contact Us form: https://www.stoneoakmtg.com/contact-us

Christopher Stewart, NMLS #210218 | Stone Oak Mortgage, NMLS #1825521 | Equal Housing Opportunity | Subject to credit approval

"Can I even buy a house after my divorce?"It's one of the most common questions we hear. The answer is usually yes, and ...
10/19/2026

"Can I even buy a house after my divorce?"

It's one of the most common questions we hear. The answer is usually yes, and often sooner than people expect. 🏡

✅ You may qualify as a first-time homebuyer again
✅ Alimony and child support can count as income
✅ Debts your decree gives to your ex don't have to count against you
✅ Want to keep the house? There's a smarter way to buy out your ex's share

We put it all in one plain-English guide for Georgia buyers: 📣

𝗕𝘂𝘆𝗶𝗻𝗴 𝗮 𝗛𝗼𝗺𝗲 𝗔𝗳𝘁𝗲𝗿 𝗗𝗶𝘃𝗼𝗿𝗰𝗲 𝗶𝗻 𝗚𝗲𝗼𝗿𝗴𝗶𝗮
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/buying-a-home-after-divorce-georgia?utm_source=facebook&utm_medium=social&utm_campaign=divorce-homebuying-oct26&utm_content=company-page

Know someone starting over? Share this with them.

Questions? Call (678) 568-4568 or TEXT (678) 606-3359.

Christopher Stewart, NMLS #210218 | Stone Oak Mortgage, NMLS #1825521 | Equal Housing Opportunity

Did you ask AI how much house you can afford in Metro Atlanta?AI probably gave you a solid ballpark. But here's what AI ...
10/10/2026

Did you ask AI how much house you can afford in Metro Atlanta?

AI probably gave you a solid ballpark. But here's what AI can't do:

❌ Pull your actual credit score
❌ Know city-by-city property taxes
❌ Account for your real income situation
❌ Actually get you to the closing table

That's where we come in.

We just published a complete Metro Atlanta affordability guide — with real income-based numbers, free calculators, and dedicated county pages for Cobb, Fulton, and Gwinnett.

Read it here 👇
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/how-much-house-metro-atlanta-georgia-2026

AI Can Estimate. We Close.
Ready to stop 'chatting' with AI and start 'talking' to a mortgage professional.

Questions? Call (678) 568-4568 or TEXT (678) 606-3359

🏡 Georgia homeowners — the Fed just raised rates for the first time since 2023. Should you still refinance?For most home...
09/25/2026

🏡 Georgia homeowners — the Fed just raised rates for the first time since 2023. Should you still refinance?

For most homeowners locked in below 5%, the honest answer is NO. Giving up that low rate for today's 7%+ rate rarely makes financial sense.

But there ARE 5 specific scenarios where refinancing still makes sense -especially Scenario #5

We just published the full breakdown covering:
✅ When refinancing actually makes sense in 2026
✅ When the answer is definitely "NO"
✅ The break-even math every homeowner should run

Read it here 👇
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/should-you-refinance-2026-georgia-fed-rate-hike

Questions? Call (678) 568-4568 or TEXT (678) 606-3359

💰 Georgia buyers — closing costs surprise more people than any other part of the mortgage process.On a $400,000 Metro At...
09/15/2026

💰 Georgia buyers — closing costs surprise more people than any other part of the mortgage process.

On a $400,000 Metro Atlanta home, expect around $11,500 in closing costs on TOP of your down payment. This includes Georgia-specific fees like the attorney requirement and the intangible recording tax that catch buyers off guard.

Here's the good news📣: In today's shifted market where homes are sitting 63+ days, sellers are negotiating. Buyers can ask for 'Seller Concessions' -that will cover most of the closing costs.

We just published the full playbook, including:

✅ Real Georgia closing cost breakdown
✅ Maximum seller concessions by loan type
✅ How to actually ask for it in your offer
✅ Georgia-specific fees to plan for

Read it here 👇
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/georgia-closing-costs-seller-concessions-2026

Questions? Call (678) 568-4568 or TEXT (678) 606-3359

💳 Real talk — most people would rather go to the dentist than review their credit report.We get it. Credit feels persona...
09/07/2026

💳 Real talk — most people would rather go to the dentist than review their credit report.

We get it. Credit feels personal, and looking at it can be uncomfortable. But here's the truth: waiting doesn't fix credit. And in 2026, the rules just changed.

The good news? In just ONE WEEK you can be in a completely different position.

What's new:
✅ Buy Now Pay Later (Affirm, Klarna) now shows on credit reports
✅ Rent and utility payments can now boost thin-file borrowers

We put together 7 strategies to strengthen your score — plus a full '1-Week Action Plan' that moves the needle and gives you immediate results.

Read it here 👇
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/improve-credit-score-mortgage-georgia-2026

Time is the secret sauce to credit repair.

Ready for a free credit review? Call (678) 568-4568 or TEXT (678) 606-3359

🎖️Georgia veterans — Did you know you can use your VA benefit on a second home WITHOUT SELLING the first?It's one of the...
08/27/2026

🎖️Georgia veterans — Did you know you can use your VA benefit on a second home WITHOUT SELLING the first?

It's one of the most misunderstood parts of the VA home loan program. Most veterans assume their benefit is "used up" once they buy their first home. That's often not the case.

Even if you keep your first home (as a rental or second residence) and don't pay off the original VA loan, you may still have remaining entitlement to purchase a second home with a VA loan — with zero down payment and no PMI.

We have 20+ years of experience with VA loan guidelines and have helped Georgia veterans navigate exactly this scenario.

Read the full explainer 👇
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/georgia-veterans-second-home-va-benefit

Questions? Call (678) 568-4568 or TEXT (678) 606-3359

Thank you for your service.

Atlanta Investors - Buying investment property in Atlanta doesn't require the perfect W-2 income or tax filing. ⭐Here's ...
07/13/2026

Atlanta Investors - Buying investment property in Atlanta doesn't require the perfect W-2 income or tax filing.

⭐Here's your financing solution: DSCR Loans!

DSCR loans qualify you based on the property's rental income — NOT your personal tax returns. If the rent covers the mortgage, you qualify. That simple.

Perfect for self-employed investors, portfolio builders, first-time landlords, and LLC purchases.

We just published a full guide with real Atlanta numbers, qualifying requirements, and answers to the most common questions we hear from investors.

Read it here 👇
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/dscr-loans-atlanta-real-estate-investors

Let's run the numbers? Call (678) 568-4568 or TEXT (678) 606-3359

🏠 Your home has built equity. Now what?If you bought or refinanced in 2020 or 2021, you're probably sitting on significa...
06/30/2026

🏠 Your home has built equity. Now what?

If you bought or refinanced in 2020 or 2021, you're probably sitting on significant home equity right now — and wondering the best way to access it without giving up that low rate you locked in.

A HELOC lets you keep your existing mortgage untouched. A cash-out refinance replaces it at today's rates. Both have their place — but the wrong choice can cost you thousands.

We just published a full guide walking you through the 3 key questions every Georgia homeowner should ask before making this decision — including real dollar examples based on Atlanta market conditions.

Read it here 👇
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/heloc-vs-refinance-georgia-homeowners

Questions? Call (678) 568-4568 or visit us at www.stoneoakmtg.com

📊 The hidden cost of waiting — in real dollars.A lot of Atlanta buyers are sitting on the sidelines, hoping rates will d...
06/24/2026

📊 The hidden cost of waiting — in real dollars.
A lot of Atlanta buyers are sitting on the sidelines, hoping rates will drop. But while they wait, home prices keep climbing across Fulton, Cobb, Cherokee, Forsyth, and all of Metro Atlanta.
We broke down the full math in our latest blog post — including when waiting actually DOES make sense.
The summer buying season won't last forever. Click the 'Quick Quote' link to see your real numbers 👇

✔️Quick Quote: https://www.stoneoakmtg.com/pre-qualify

Full Article - 🏠 'Buy Now or Wait for Rates to Drop?'
https://www.stoneoakmtg.com/loan-officer/christopher-stewart/blog/buy-now-or-wait-for-rates-atlanta

Address

2470 Windy Hill Road, Suite 211
Marietta, GA
30067

Opening Hours

Monday 8:30am - 6pm
Tuesday 9am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+16785684568

Website

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