Business Details
20 Years
experience
Your Trusted Atlanta Mortgage Broker
Chad Wade is a locally owned and operated mortgage company dedicated to providing exceptional customer service throughout the lending process. Our team of experienced professionals works collaboratively to ensure seamless transactions, leveraging a streamlined process that enables rapid closings. We specialize in offering competitive mortgage solutions tailored to individual financial needs, utilizing our extensive network of 16 lenders to secure optimal rates and terms. Our commitment to transparency, local market expertise, and personalized communication has established us as a trusted partner for Atlanta-area homebuyers.By prioritizing true pre-approvals and maintaining strong relationships with local appraisers, we help clients navigate the homebuying journey with confidence. Our team approach ensures consistent support from application through closing, while our 21-day closing guarantee demonstrates our efficiency. As active members of the community, we take pride in helping families achieve homeownership goals while maintaining the highest standards of professionalism and integrity.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Refinancing Services
Details
- Year established: 2006
Highlights and features
- We offer 21-day closings with no financing contingencies
- Our ten-person team model ensures consistent communication and support
- We work with local appraisers for accurate property valuations
- We provide true pre-approvals that help win multiple-offer situations
- We offer seven-day-a-week service for client convenience
Associations and certifications
- NMLS
- Georgia Residential Mortgage Licensee
Services
Conventional Loans
We offer conventional mortgage loans with competitive rates and flexible terms for qualified borrowers. Our conventional programs include options for first-time homebuyers requiring as little as 3% down payment. Our team provides personalized guidance through the entire loan process, from pre-approval to closing, ensuring clients understand all requirements and documentation needed to secure their mortgage.
FHA Loans
Our FHA loan program provides accessible homeownership opportunities with lower credit score requirements and down payments starting at 3.5%. We help clients navigate the FHA loan process, explaining the benefits and requirements of this government-backed mortgage option while ensuring all documentation meets HUD guidelines for successful approval.
VA Loans
We specialize in VA loans for eligible veterans and military personnel, offering zero-down payment options and competitive rates. Our team assists clients in verifying their eligibility, gathering required documentation, and maximizing the benefits available through this important veteran-specific mortgage program.
Jumbo Loans
Our jumbo loan program caters to clients seeking financing for high-value properties exceeding conventional loan limits. We provide tailored solutions with competitive pricing while guiding clients through the specialized documentation requirements and underwriting standards associated with these premium mortgage products.
Refinancing Services
We offer comprehensive refinancing options to help homeowners reduce monthly payments, shorten loan terms, or access equity. Our team analyzes each client's financial situation to determine the most beneficial refinance strategy, providing clear explanations of closing costs, potential savings, and the complete refinancing timeline.
People
Chad Wade
Managing Partner and Loan Officer
Chad Wade founded Chad Wade in 2006 after a successful career in banking and insurance. A University of Georgia graduate, he leads the Atlanta Home Loan Team while maintaining active involvement in each client's mortgage journey.
Sterling Hartfield
Senior Loan Officer
Sterling Hartfield serves as Senior Loan Officer, managing loans from application to contract. With extensive experience in complex mortgage scenarios, he provides expert guidance throughout the lending process while maintaining NMLS# 1450794 certification.
Drayton Johnson
Loan Coordinator
Drayton Johnson coordinates loans from contract to post-closing, managing document collection, appraisal orders, and final numbers. His role ensures smooth processing through underwriting and closing phases while maintaining NMLS# 1071701 certification.
Kevin Molley
Processor
Kevin Molley serves as processor, working directly with clients to obtain final loan approvals. He manages communication between clients and closing attorneys while maintaining NMLS# 230179 certification and ensuring all documentation meets underwriting requirements.
Pat Molley
Processor
Pat Molley functions as processor, assisting clients with final loan approvals and acting as liaison between closing attorneys and Cornerstone. With NMLS# 1081720 certification, he ensures accurate reconciliation of final loan numbers during the closing process.
Questions
What credit score do you use for mortgage qualification?
We pull all three credit reports (Equifax, Experian, and TransUnion) and use the middle score for qualification. Minimum qualifying score is 620.
Can I choose my own appraiser?
No, federal regulations require using an appraisal management company to assign appraisers since 2009 to maintain independence and objectivity.
How long does a credit pull last during the mortgage process?
Initial credit pulls last 120 days. We'll perform a soft pull initially, then a hard pull for pre-approval letters.
What documents are required for mortgage approval?
We require complete bank statements, tax documents, proof of income, and identification. All pages must be submitted even if blank.
When should I lock in my mortgage rate?
Rates can only be locked once you're under contract. The lock period depends on your closing timeline and market conditions.
Can I make large purchases during the loan process?
Avoid major purchases until after closing. Changing financial status can affect loan approval and potentially derail your transaction.
