Marcelin Mortgage

Marcelin Mortgage Gladys Marcelin, Sales Manager,
NMLS # 264021
CalCon Mutual Mortgage, NMLS # 46375

03/28/2024

If you're wondering how a cash-out refinance could help you reach your financial goals, give me a call!

When you don’t fit into the square of traditional home financing, we have mortgage programs to help you reach your goals...
03/26/2024

When you don’t fit into the square of traditional home financing, we have mortgage programs to help you reach your goals! We offer a variety of portfolio home loan options because we know no two clients are the same! Give me a call to learn more about our portfolio home loan options.

03/21/2024

Learn more about how we've helped others reach their financial goals with a cash-out refinance!

Bridge Loans: Buy Now, Sell Later. Bridge Loans are designed to keep your life stable and hassle-free. Say goodbye to th...
03/19/2024

Bridge Loans: Buy Now, Sell Later. Bridge Loans are designed to keep your life stable and hassle-free. Say goodbye to the inconvenience of multiple moves and storage during transitions. Selling your current home before buying a new one can be stressful, so don’t! The Bridge Loan helps you to qualify for your new home’s mortgage, even with your current one. After selling, you can refinance your new home into a traditional mortgage.

With DSCR or Debt Service Cover Ratio loans, property investors can now qualify for their investments based on the cash ...
03/14/2024

With DSCR or Debt Service Cover Ratio loans, property investors can now qualify for their investments based on the cash flow from properties rather than personal income. Unlike a traditional home mortgage, DSCR loans are underwritten based on property-level cash flow, considering your debt-service ratio rather than your debt-to-income ratio. The debt-service ratio helps lenders understand a borrower's ability to pay back a loan based on the monthly rent of the property. Lenders will consider this ratio rather than using income proof, tax returns, employment information, etc.

A tax refund can be a great way to help cover closing costs or support a down payment when buying a home. Taking this ap...
03/12/2024

A tax refund can be a great way to help cover closing costs or support a down payment when buying a home. Taking this approach can help you move forward with purchasing a home sooner than later!

More home loan programs mean more options for our clients! All these home loan programs have different credit score requ...
03/07/2024

More home loan programs mean more options for our clients! All these home loan programs have different credit score requirements, minimum down payments amounts or property requirements. If you’ve been denied for a home loan in the past, give me a call! We can review your financial situation and look at what home loan options might work for you!

USDA Home Loans are a great option for first-time home buyers in rural areas. It has less strict credit requirements and...
03/05/2024

USDA Home Loans are a great option for first-time home buyers in rural areas. It has less strict credit requirements and allows for $0 down. 97% of the geographical United Statis is considered rural so there’s a good chance you might be looking for a home in an area that could qualify for a USDA home loan! Give me a call to learn more.

Your friends and family’s personal experiences are a great way to start looking for a real estate agent! They can give y...
02/29/2024

Your friends and family’s personal experiences are a great way to start looking for a real estate agent! They can give you an honest opinion about their time working with a real estate agent. If their experience was positive, you may want to consider working with that agent or if their experience was negative, keep looking. Your real estate agent is a key player in the homebuying process so choosing one that communicates well, and you can trust is essential.

A great way to start your search for a loan officer is by reading reviews! You’ll be able to see if people had positive ...
02/27/2024

A great way to start your search for a loan officer is by reading reviews! You’ll be able to see if people had positive or negative experiences with them. A couple things to look for with reviews is people mentioning loan options, customer service, and communication. People also may mention if they are good with first-time homebuyers.

A pre-approval is a very important step in the homebuying process, it gives you a realistic budget to look for a house a...
02/23/2024

A pre-approval is a very important step in the homebuying process, it gives you a realistic budget to look for a house and lets real estate agents and clients know you’re serious. It tells them you’ve been pre-approve to borrow up to a certain amount so when you make an offer on a house, they know it’s a competitive one.

A two-time close construction loan consists of two separate loans: one for financing the lot purchase /construction and,...
02/21/2024

A two-time close construction loan consists of two separate loans: one for financing the lot purchase /construction and, and another for the long-term financing. The construction loan is for up to 12 months. This type of loan is available for owner-occupied, second home, and investment properties. One advantage of this loan is the potential to obtain lower rates for the long-term financing once the construction is completed.

Address

505 Corporate Center Drive, Suite 107
Stockbridge, GA
30281

Opening Hours

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

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