Your Local Ignite Mortgage Loan Officer
With over 30 years in the mortgage industry, I strive to provide excellent service. I feel educating buyers, by being honest and transparent, are the keys to a successful closing. Helping families navigate the largest financial transaction of their lives is extremely important to me. So, making it a smooth transaction is key.
I stay on top of lending guidelines, market trends and best practices, to ensure that you, the consumer, have the most up to date information in order to obtain the best mortgage product.
Since 1994, I have worked closely with Real estate agents, by being connected to two of the top Real Estate companies in the country. Being a close partner of realtors, attorneys and other industry leaders, has helped me be a top producer. I am well versed in structuring a loan and finding the best fit for a buyer. Having worked in conjunction with several different lenders over my career, I have developed great working relationships. Whether you are a first- time homebuyer or repeat customer, I can find the best mortgage product for you. Education, honesty and integrity are the keys to my success. I look forward to helping you and your family finance your dream home.
Welcome home!
Sally
Thompson
Loan Officer
NMLS# 262414
States Licensed: GA
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Find The Right Loan
Purchase Loans
Refinance Loans
Specialty Loans
The FED dropped it's benchmark interest rate
What does this mean for you? Mortgage rates typically move in the same direction, although they aren't tied directly to the Fed decision.
If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refinance work for you.
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Get pre-approved for a purchase
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Get pre-approved for a refinance
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Calculate equity for a cash-out refinance
Frequently Asked Questions
How much does it cost to refinance?
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
How much house can I afford?
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
What is a good credit score?
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
What is a HELOC?
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
How do I calculate mortgage payments?
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.