Joell Young - Top Flite Home Loans

Joell Young - Top Flite Home Loans Mortgage Loan Originator with Top Flite Home Loans | Helping Clients Navigate the Home Loan Process | NMLS #2148474 | Corp NMLS #4181

Experience The Top Flite Difference For over 20 years, we’ve dedicated ourselves to improving lending opportunities for mortgage professionals nationwide. We aim to offer enhanced benefits, increased opportunities, and greater flexibility to help you succeed. Whether you’re an experienced mortgage professional seeking to grow your business or someone new to the industry, our exceptional network is

here to support you. When you choose us, you can rely on us as a dependable, trustworthy partner for your business. We provide a solid and reliable home where you can build a trusted home for your business.

A W-2 is one way to prove income. It is not the only way.Bank statement programs may fit some self-employed buyers whose...
09/08/2026

A W-2 is one way to prove income. It is not the only way.

Bank statement programs may fit some self-employed buyers whose income does not show up on a traditional pay stub.

Your income tells the story. Let's document it.

Wishing you a relaxing Labor Day and a well-deserved break. Hope your day is filled with good company, a little rest, an...
09/07/2026

Wishing you a relaxing Labor Day and a well-deserved break. Hope your day is filled with good company, a little rest, and maybe something off the grill too.

Fall has a way of making people ready for a change.If a new home has been sitting on your mind, this is a good season to...
09/03/2026

Fall has a way of making people ready for a change.

If a new home has been sitting on your mind, this is a good season to see what is possible.

Ask me where to start. I will walk you through it.

The average person will spend about one-third of their life at home. That’s a big reason why home means so much. It’s wh...
09/01/2026

The average person will spend about one-third of their life at home. That’s a big reason why home means so much. It’s where life happens, memories are made, and everyday moments turn into the ones we remember most.

If you're ready to buy a home but worried about the upfront costs, the Georgia Dream program may be worth exploring!✨ $1...
08/28/2026

If you're ready to buy a home but worried about the upfront costs, the Georgia Dream program may be worth exploring!

✨ $10,000 - $12,500 in down payment assistance
✨ FHA financing available
✨ Up to $550,000 maximum home sales price
✨ Available for first-time AND repeat homebuyers
✨ Minimum 640 credit score

Every buyer’s situation is different, so let’s see if this program could be a good fit for you!

Buying a home involves more than finding the right property. A little preparation can help you feel more confident befor...
08/27/2026

Buying a home involves more than finding the right property. A little preparation can help you feel more confident before you begin.

Here are four quick tips I share with my clients:
Start with a pre-approval
Plan for expenses beyond the down payment
Avoid major financial changes during the process
Schedule a professional home inspection

Every buyer’s financial picture is different. I’m here to answer your questions, review your options, and help you create a plan for your next move.

Send me a message when you are ready to get started.

Nothing says home quite like a happy dog waiting at the door. Happy National Dog Day to all the four-legged family membe...
08/26/2026

Nothing says home quite like a happy dog waiting at the door. Happy National Dog Day to all the four-legged family members out there.

Not every potential buyer earns income through a traditional salary and W-2.Self-employed borrowers, business owners, re...
08/25/2026

Not every potential buyer earns income through a traditional salary and W-2.

Self-employed borrowers, business owners, real estate investors, and people with variable income may need a different approach to documenting their financial picture.

Non-QM loan programs may provide alternative qualification methods for certain borrowers. These programs have their own eligibility requirements, documentation standards, costs, and terms, so a personalized review is important.

Different income does not automatically mean there is no path forward.

Send me a message and let’s talk about your situation.

As a loan officer, I always recommend getting prepared before you start house hunting. A little planning can make the mo...
08/24/2026

As a loan officer, I always recommend getting prepared before you start house hunting. A little planning can make the mortgage process smoother and help you feel more confident when it’s time to make an offer.

From credit and debt to pre-approval and budgeting, the right steps now can put you in a stronger position later!

Have questions about where to start? I’m here to help! Send me a message and let’s talk about your homeownership goals.

Address

389 Griffin Street
Zebulon, GA
30295

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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