The Hamlin Group

03/17/2026

12/11/2025

We had a wonderful time at the Middle Georgia Association of Realtors Gala this evening! Congratulations to the newly appointed board members! 🤩

12/06/2025

🏠 Great news for homebuyers! 🎉

Conforming loan limits are increasing to $832,750! If you're planning a home purchase next year, now’s a great time to explore your options. Contact our team today! 🙌

12/02/2025

For Conventional loans!

Fannie Mae just announced a major update that could expand access to homeownership for many borrowers.

Effective November 16, 2025, the 620 minimum credit score requirement for Desktop Underwriter (DU) loans has been removed. Instead of relying on a single number, DU will now evaluate a borrower’s overall financial profile.

What this means in practice:
• More flexibility for borrowers with limited or “thin” credit
Applicants who previously fell below 620 may now qualify if they show strength in other areas.

• A more holistic underwriting approach
DU will weigh income, assets, payment history, debt-to-income ratio, and broader financial behavior—rather than a score alone.

• Compensating factors still matter
Stronger reserves, lower DTI, and higher down payments remain key in offsetting lower credit scores.

• Credit issues still carry weight
Recent late payments or collections can still impact approval.

• Manual underwriting remains unchanged
Manually underwritten loans may still require a 620 score.

Additional DU Updates
• Second homes & investment properties:
The 720 score requirement for borrowers with 7–10 financed properties has been removed.

• Non-traditional credit:
DU no longer requires a credit score or homebuyer education when qualifying with nontraditional credit documentation.

These updates signal a continued shift toward more inclusive, real-world evaluations of a borrower’s financial readiness. If you have questions about how these changes could affect home financing options, we are always happy to help. 🏡

09/25/2025

Happy birthday to our team leader, Kim Hamlin! 🎉 Join us in wishing her a happy birthday and celebrating her in the comments! 📣

08/25/2025

Join us in wishing a Happy Birthday to Casey Fordham, NMLS #2523913 - Alcova Mortgage! 🌟🎉

08/06/2025

Our team had an amazing time bringing dinner to the families at the Ronald McDonald House in Macon, GA! ❤️ provides care and comfort for the families of children being treated at area medical facilities. They strengthen families by keeping them close in times of medical need and crisis. It was a joy to serve them a meal together!

08/01/2025

We are excited to be nominated for Best of Georgia in the Mortgage Companies category! 👏

Vote for The Hamlin Group of ALCOVA Mortgage now at gbj.com/warner-robins/financial-services/the-hamlin-group-of-alcova-mortgage 🔗