Married 30 years, with three daughters and a grandson, I have a strong sense of family. This contributes to my goal to help families get into the home of their dreams with the lowest possible overall cost. I want to assist families get into a home at the best rate and a price they can afford so that they can have a great, comfortable lifestyle.
I have now assisted multi generations of families get into their homes. For your convenience, our most common customer mortgage questions are answered right here. Not finding what you want? Reach out to Dan McKenzie of Alpharetta's Options Mortgage Services. Managing Partner at Options Mortgage Service Company of Alpharetta and a resident of Buford, GA, I have been originating mortgages for 16 years.
I have now assisted multi generations of families get into their homes. For your convenience, our most common customer mortgage questions are answered right here. Not finding what you want? Reach out to Dan McKenzie of Alpharetta's Options Mortgage Services. Managing Partner at Options Mortgage Service Company of Alpharetta and a resident of Buford, GA, I have been originating mortgages for 16 years.
Services
Whether buying a home for the 1st time or selling your home, to purchase a home, you will spend a great deal of Time, Energy, Effort, and Money looking for and selling a home. In addition, you will probably enlist the help of a professional realtor to guide you thru the process. You do not want to do all this work only to find out that you cannot qualify for a home loan.
When determining the best loan program for a client, we are looking at about 12 factors that can change the rate, closing costs, and even how much home they can afford.
Among these factors are Property Value, Credit score, Debt to Income Ratio, Loan to Values, Loan program, Occupancy Type, Loan Terms, Types of Collections and charge offs on the credit report, es-crowing or not es-crowing, Zip Code location of the home, property type, and Loan Type.When all the above factors are taken into account, we can determine rates, Closing costs, the best program.
Among these factors are Property Value, Credit score, Debt to Income Ratio, Loan to Values, Loan program, Occupancy Type, Loan Terms, Types of Collections and charge offs on the credit report, es-crowing or not es-crowing, Zip Code location of the home, property type, and Loan Type.When all the above factors are taken into account, we can determine rates, Closing costs, the best program.
I was talking to some of my Referral Partners and they said it would be helpful to have an overview of the Mortgage Loan programs available in today's market. Conventional (Fannie Mae, Freddie Mac), Loan amounts to $417,000, Credit scores: Generally higher 680 plus, Normally 5% down with PMI, but 3% down is available(FHA is a better alternative with less than 5% down).
That being said, I wanted to go over some of the Myths I see First Time Homebuyers buy into. Your credit has to be perfect or near-perfect: While there is no doubt that a high credit score helps in getting a home mortgage, a not-so-high credit score is not a deal-breaker. If you have some credit blemishes and financial scrape-ups but for the most part pay your bills on time and make steady income, you probably don't have much to worry about.
I have seen a rise in VA loan applications these last couple of weeks. So, I wanted to go over the basics and some different scenarios where I have used the VA loan to the clients Benefit. Interest rates are similar to FHA, which are much lower than Conventional and there is no Monthly Mortgage Insurance.
Reviews (10)
Juan Munoz
Jan 23, 2021
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Steve Yad
Nov 22, 2020
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Lexie Fig
Nov 21, 2019
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We recently used Dan to get our mortgage. I have never seen someone work so hard to help us obtain our dream home. Dan and Regina are down to earth, hard working, professional, and extremely knowledgeable. I highly recommend anyone looking for a good home to give Dan a shot. You will be as blown away as my husband and I were. Thank you Dan and Regina for being simply amazing!
Erin Devine Martin
Oct 29, 2019
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Susan Morris
Nov 25, 2018
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Dan McKenzie and Regina Andrukat of Options Mortgage have been my "Go To" Lender for my Real Estate Clients for the past several years because they know how to get the job done, never miss a deadline, and get the best rate and loan cost for my Buyers. I also used Options Mortgage for my personal mortgage this past spring knowing they would make it easy for me and I could trust them without having to follow their every move allowing me to spend more time with my own Clients and create more business. If you are looking for a Mortgage Lender or would like to refinance, give them a shout. They will
Shannon Renn
Dec 07, 2017
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Jodey Smith
Oct 07, 2017
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I have know Dan for 8 years. I have had breakfast with him once a week for about 4 years. He is one of the most approachable people I know. He is friendly and has a great sense of humor.
Dan also happens to be the most professional Mortgage Broker I know.
He has built the best mortgage processing system that I have seen. Everybody in the deal is kept up to date at every step.
**Dan makes it as easy as possible for everyone involved.**
He is also a valuable resource for Real Estate Agents, not just for processing mortgages, but for building their careers.
I have never seen a Mortgage Broker
Dan also happens to be the most professional Mortgage Broker I know.
He has built the best mortgage processing system that I have seen. Everybody in the deal is kept up to date at every step.
**Dan makes it as easy as possible for everyone involved.**
He is also a valuable resource for Real Estate Agents, not just for processing mortgages, but for building their careers.
I have never seen a Mortgage Broker
Elaine Zemer
Sep 20, 2017
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Dan is awesome. We've used him several times in the past 5 years. I've been a real estate agent for 15 years and closed on 100's of homes. I've had the experience of working with many different mortgage brokers over the years and I can confidently say Dan is one of the best! Not only is he good natured and kind he is also highly experienced with working on both uncomplicated and complicated loans. Once we sold a home and the lender the buyer was using had trouble getting them financed. We quickly referred them to Dan and he worked hard to get us all to the closing table on time. On the day we closed
Judy Paul
Aug 12, 2017
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Dan McKenzie has always been willing to help me grow my business as a local Realtor in any way he can. He gives great client service in a real down to earth way that makes people feel comfortable and confident in using him for their biggest financial decision - buying a home. He has a team that keeps us informed and has always gone the extra mile when I needed him to.
Doug Ferguson
Mar 28, 2017
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