We Are A Full Service
HOME MORTGAGE LENDER
Main Office Number: 678-534-5833
Dedicated to making your dream a reality. Whether buying a new home, or refinancing an existing one, we want to be a part of your journey.
With a history of integrity & quality, Goldwater Bank is
the place for you. We help you build a foundation
with the right tools & services.
WHAT WE DO FOR YOU
Because we believe in the GOLDEN RULE, we treat you the way we would like to be treated: with respect and undivided attention. We pride ourselves in going above and beyond when it comes to communication, providing you with a transparent and seamless process from beginning to end.
WHAT PEOPLE ARE SAYING
"You're in good hands when you're using Lagacy Mortgage Team at Goldwater Bank"
Conventional Home Loans
- Low down payment options
- 620 minimum FICO scores
- Fixed and adjustabe rate programs
FHA Home Loans
- Low down payment options
- 620 minimum FICO scores
- No income limits
Construction Loans to 1M
- Low down payment options
- 640 minimum FICO scores
- 360-day construction time
Renovation Loans
- Low down payment options
- 640 minimum FICO scores
Portfolio Loans
- Owner Occupied, Investment & Second Homes
- Purchase and Refinacnes
- ITIN
- Doctor Loans
- Bridge/Lot Loans
- Community Heroes
USDA Rural Home Loans
- No down payment required
- 640 minimum FICO scores
- Low to moderate income
Reverse Home Loans
- Utilizes home equity
- Applicants must be 62 or older
- No monthly mortgage payments
Jumbo Loans
- Low down payment options
- 700 minimum FICO scores
- Up to $1.5MM
GUIDING YOU THROUGH THE LOAN PROCESS
Watch the video
WHAT TO EXPECT… STEP BY STEP
The loan process can be a long and winding road…but it doesn’t have to be. Legacy Mortgage Team at Goldwater Bank’S goal is to be your GPS, guiding you through the loan process.
1. MEET YOUR LOAN OFFICER AND COMPLETE A LOAN APPLICATION
You’ll meet with your dedicated Loan Officer by phone or in person to discuss your loan needs. You’ll fill out an application online, verbally by phone or in person, and will be asked to sign a number of documents and disclosures, including a “Loan Estimate,” which is a summary of how we expect your transaction to close. This estimate takes into account your loan amount, interest rate, estimated monthly payment and closing costs, but may not include seller contributions, earnest money deposits, inspections and Home Owners Association’s (HOA’s) monthly fees.
2. MEET YOUR DEDICATED LOAN PROCESSING SPECIALIST
Your dedicated Loan Processing Specialist will review your application and coordinate details including ordering home appraisal, title search, and employment verification. Your Loan Processing Specialist will then submit the file to your designated Underwriter for approval.
3. APPRAISALS AND INSPECTIONS
We’ll order a third-party appraisal to confirm value. The appraisal could be a drive-by, database inquiry, or walk-in. This appraisal is for Legacy Mortgate Team at Goldwater Bank’s purpose only, and it is separate from any appraisal the county may perform.
4. INSURANCE, TITLE, AND SURVEY
We’ll need to verify homeonwers insurance to the coverage and deductible requirement of your loan.
5. CONDITIONAL APPROVAL
This means that your loan has been conditionally approved, pending review of appraisal, bank statements, paystubs, insurance, or letters of explanation.
6. FINAL APPROVAL
After final approval, we will issue you a “Closing Disclosure.” The closing disclosure represents your final numbers at that time, including the amount of money you are bringing or receiving from closing. Federal law requires that this closing disclosure is delivered to you at least 3 days before closing. This means it is extremely important that you e-sign or physically sign and return this closing disclosures as soon as possible in order to avoid any unnecessary delays in closing your loan. The last stop is the closing table, where you’ll need two forms of identification and a pre-arranged form of payment, if required.
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