| I'm Traci Gregory. I operate Georgia Mortgage Money.Com from metro Atlanta, Georgia as a gateway
to information on the real estate mortgage programs and home loan programs I have available as a loan officer. They were myriad and plenty. They aren't anymore . . . |
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| Every morning, I have coffee, meditate facing East, and then go pull rates, 'cos that's what you people are interested in first. They start coming in at 8:00 am and finish up around noon. I start taking calls around 8:30. There is a huge amount of information on this website because, whether you believe it or not, rate isn't everything. |
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| We're licensed in Alabama, Florida, South Carolina, Tennessee and Georgia. We are a nationally approved USDA Rural Development Lender, and an FHA approved Lender. |
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| At Georgia Mortgage Money.com, my goal is to get your real estate loan approved. I won't fast talk you, make promises I can't keep, or switch your interest rate at the closing table. And when one of my investors does that, I drop them from my stable. |
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My philosophy is simple:
I do a good job,
and I don't charge excessive fees.
If you're happy, you'll tell people.
If you're unhappy, you'll tell more people.
I accept those as facts to live by.
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| Historically, shareholders of publicly traded companies only had two options for getting any use of the equity in their stock portfolios: |
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- ~~ they could use their stock(s) as collaterl to obtain very limited bank or broker loans. Typically these loans didn't allow for a very high loan to value and normally carried full recourse terms; or
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- ~~ they could go to their brokerage for margin loans which would require strong credit worthiness, are limited by size or loan to value, require full recourse and would be subject to margin maintenance and house calls.
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| Owners of restricted stocks are very limited in options if they wish to sell or access equity using their interest in their company owned stock. |
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 Now Stock owners and investors who want access to their cash and liquidity can do so with a stock loan from Pallas Financier, LLC , an Authorized HedgeLender Agent. |
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| For more information on how a non-recourse stock loan can benefit you . . . |
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Traci Gregory  770.333.4404
Authorized HedgeLender Agent
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| We are still in the mortgage business - Residential and Commercial Loans; this is, we think, a great addition to a stable that is growing smaller every day! |
Do You have an ARM? Are You late on your payments? Two Months? Three Months?
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| FHA Select has a solution for you! |
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| Effective July 19, the FHA will expand the FHA Secure program twofold: |
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- People with ARMs (adjustable-rate mortgage loans) who were late on two mortgage payments in a row, or twice in the last 12 months. FHA will require a 97 percent loan-to-value (LTV) ratio for these borrowers to refinance into a government-backed loan -- which in many cases would require lenders to write down some principal.
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- Borrowers with ARMs (adjustable-rate mortgage loans) who were late on three mortgage payments in a row, or three different times in the last 12 months; the FHA will only go a 90 percent LTV for these borrowers.
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| It is estimated that FHASecure has helped 150,000 borrowers refinance since the program was launched and that these new guidelines will help as many as 500,000 homeowners. |
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| For a clear assessment of the options that best fit your needs, email me at traci@tracigregory.com, or call me at 770.333.4404 |
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traci@tracigregory.com
