The Garmon Team at Top Flite Home Loans

The Garmon Team at Top Flite Home Loans The Garmon Team at Top Flite Financial, NMLS #4181, Branch NMLS #: 377903, GA Branch License #: 55884, Branch FHA #: 2038602984 | Equal Housing Lender

Amy Garmon NMLS #210598
Georgia Residential Mortgage Licensee
389 Griffin St. Zebulon, GA 30295
Branch NMLS #: 377903, GA Branch License #: 55884, Branch FHA #: 2038602984

Equal Housing Opportunity
http://www.nmlsconsumeraccess.org/

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 Avenue
Zebulon, GA
30295

Opening Hours

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

Telephone

+16788989476

Website

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