We are a full service
Home
Mortgage
Lender
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.
We are a full service
Home
Mortgage
Lender
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.
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.
OUR HOME LOAN PROGRAMS
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
VA Home Loans
- No downpayment required
- 620 minimum FICO scores
- Limit on closing costs and fees
Construction Loans to 1.0 M
- Low down payment options
- 640 minimum FICO scores
- 360-day construction time
Renovation Loans
- Low down payment options
- 640 minimum FICO scores
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. Click on the “+” for a full explanation of each step.
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.
Why we are different
We could tell you a lot about us…how we pride ourselves in providing excellent service, how we bend over backwards to make sure your loan experience is as smooth as they come, or how we communicate with you throughout the entire process… But, at the end of the day, this story is NOT about us. This story is about YOU and your journey. And whether you are buying a new house or refinancing an existing one, this journey is going to be life-changing. We’d be thrilled if you would allow us to be a part of your journey and your home loan experience.
MEET THE TEAM
We are so lucky!
It's only once in a blue moon that a team like ours comes together. We know our stuff inside and out, we work well with each other, and we all know that
you are the center of our universe.
ART WOOD | NMLS #118234
Producing Branch Manager
Honest. Determined. Mortgage Nerd.
> More about Art > Contact Art
> Art on Zillow
> Start a loan application with Art
MARK PAGOMENAKIS | NMLS #163759
Producing Branch Manager
Driven. Determined. Dedicated.
> More about Mark > Contact Mark
> Mark on Zillow
> Start a loan application with Mark
ALLAN ALAGUEÑA | NMLS #1776877
Senior Loan Officer
Committed. Dependable. Dedicated
> More about Allan > Contact Allan
> Start a loan application with Allan
CHARLES ANDREWS | NMLS #859757
Loan Processor
Caring. Dedicated. Sincere.
DONNA BACON | NMLS #829096
Senior Loan Officer
Committed. Dependable. Honest.
> More about Donna > Contact Donna
> Donna on Zillow
> Start a loan application with Donna
SUSAN BARBER | NMLS #962762
Residential Mortgage Loan Officer
Cheerful. Compassionate. Caring.
> More about Susan > Contact Susan
> Start a loan application with Susan
RONNELL BARTON | NMLS #1107933
Loan Officer Assistant
Knowleagable. Accurate. Observant.
RYAN CROOKS
Loan Processor
Dedicated. Committed. Personable.
JUSTIN ELAM | NMLS #150803
Loan Officer
Courteous. Understanding. Thorough.
> More about Justin > Contact Justin
> Justin on Zillow
> Start a loan application with Justin
TOYA FARLEY | NMLS #1459990
Business Development
Dedicated. Focused. Hard-working.
> More about Toya
> Contact Toya
> Start a loan application with Toya
HEAVENLY FONTIMAYOR | NMLS #1106706
Senior Loan Officer
Reliable. Responsive. Dedicated.
> More about Heavenly > Contact Heavenly
> Heavenly on Zillow
> Start a loan application with Heavenly
RYAN HAMIL | NMLS #744128
Sales Manager
Direct. Accurate. Proven.
> More about Ryan > Contact Ryan
> Ryan on Zillow
> Start a loan application with Ryan
BILL GRIGG | NMLS #954773
Senior Loan Officer
Outgoing. Helpful. Driven.
TRISHA HUDSON | NMLS #1657976
Loan Officer
Passionate. Driven. Loyal.
> More about Trisha > Contact Trisha
> Start a loan application with Trisha
GIA MCKEE | NMLS #1668661
DANA PLAZYK | NMLS #1630359
Marketing/Business Development
Creative. Enthusiastic. Positive.
ELLEN ROGERS
Business Development
Passionate. Determined. Caring.
> More about Ellen
> Contact Ellen
> Start a loan application with Ellen
TONY ROGERS | NMLS #231751
Senior Loan Officer
Diligent. Patient. Trustworthy.
> More about Tony > Contact Tony
> Tony on Zillow
> Start a loan application with Tony
TONY RUIZ | NMLS #1998764
Loan Officer
Transparent. Trustworthy. Personable
> More about Tony > Contact Tony
> Tony on Zillow
> Start a loan application with Tony
BARBIE SMITH | NMLS #291068
Processing Manager
Driven. Caring. Dedicated.
JEREMY SMITH | NMLS #916341
Loan Officer
Sincere. Knowledgeable. Relational.
> More about Jeremy
> Contact Jeremy
> Start a loan application with Jeremy
MARK SMOLYAR | NMLS #2101429
Business Development
Truthful. Driven. Resourceful.
> More about Mark > Contact Mark
> Start a loan application with Mark
ELENI TAGALOS LOYD | NMLS #1242792
Loan Officer
Faithful. Honest. Dependable.
> More about Eleni > Contact Eleni
> Eleni on Zillow
> Start a loan application with Eleni
CHUCK THOMPSON | NMLS #811213
Senior Loan Officer
Helpful. Trustworthy. Kind.
> More about Chuck > Contact Chuck
> Chuck on Zillow
> Start a loan application with Chuck
SAMANTHA WEINSTEIN | NMLS #842365
Loan Processor
Caring. Committed. Trustworthy.
MEET THE TEAM
We are so lucky!
It's only once in a blue moon that a team like ours comes together. We know our stuff inside and out, we work well with each other, and we all know that
you are the center of our universe.
ART WOOD
NMLS #118234
Area Manager
Honest.
Determined.
Mortgage Nerd.
> More about Art
> Contact Art
> Art on Zillow
> Start a loan application with Art
MARK PAGOMENAKIS
NMLS #163759
Area Manager
Driven.
Determined.
Dedicated.
> More about Mark
> Contact Mark
> Mark on Zillow
> Start a loan application with Mark
ALLAN ALAGUEÑA
NMLS #1776877
Senior Loan Officer
Committe.
Dependable.
Dedicated.
> More about Allan
> Contact Allan
> Start a loan application with All
DONNA BACON
NMLS #829096
Senior Loan Officer
Committed.
Dependable.
Honest.
> More about Donna
> Contact Donna
> Donna on Zillow
> Start a loan application with Donna
SUSAN BARBER
NMLS #962762
Residential Mortgage Loan Officer
Cheerful.
Compassionate.
Caring.
> More about Susan
> Contact Susan
> Start a loan application with Susan
RONNELL BARTON
NMLS #1107933
Loan Officer Assistant
Knowledgeable
Accurate.
Observant.
JUSTIN ELAM
NMLS #150803
Loan Officer
Courteous.
Understanding.
Thorough.
> More about Justin
> Contact Justin
> Justin on Zillow
> Start a loan application with Justin
TOYA FARLEY
NMLS #1459990
Business Development
Dedicated.
Focused.
Hard-working.
> More about Toya
> Contact Toya
> Start a loan application with Toya
HEAVENLY FONTIMAYOR
NMLS #1106706
Senior Loan Officer
Reliable.
Responsive.
Dedicated.
> More about Heavenly
> Contact Heavenly
> Heavenly on Zillow
> Start a loan application with Heavenly
BILL GRIGG
NMLS #954773
Senior Loan Officer
Outgoing.
Helpful.
Driven.
> More about Bill
> Contact Heavenly
> Start a loan application with Bill
RYAN HAMIL
NMLS #744128
Sales Manager
Direct.
Accurate.
Proven.
> More about Ryan
> Contact Ryan
> Ryan on Zillow
> Start a loan application with Ryan
TRISHA HUDSON
NMLS #1657976
Loan Officer
Passionate.
Driven.
Loyal.
> More about Trisha
> Contact Trisha
> Start a loan application with Trisha
ELLEN ROGERS
Business Development
Passionate.
Determined.
Caring.
> More about Ellen
> Contact Ellen
> Start a loan application with Ellen
TONY ROGERS
NMLS #231751
Senior Loan Officer
Diligent.
Patient.
Trustworthy.
> More about Tony
> Contact Tony
> Tony on Zillow> Start a loan application with Tony
TONY RUIZ
NMLS #1998764
Loan Officer
Transparent
Trustworthy.
Personable.
> More about Tony
> Contact Tony
> Tony on Zillow> Start a loan application with Tony
JEREMY SMITH
NMLS #915341
Loan Officer
Sincere.
Knowledgeable.
Relational.
> More about Jeremy
> Contact Jeremy
> Start a loan application with Jeremy
MARK SMOLYAR
NMLS #2101429
Business Development
Truthful.
Driven.
Resourceful
> More about Mark
> Contact Mark
> Start a loan application with Mark
ELENI TAGALOS LOYD
NMLS #1242792
Loan Officer
Faithful.
Honest.
Dependable.
> More about Eleni
> Contact Eleni
> Eleni on Zillow
> Start a loan application with Eleni
CHUCK THOMPSON
NMLS #811213
Senior Loan Officer
Helpful.
Trustworthy.
Kind.
> More about Chuck
> Contact Chuck
> Chuck on Zillow
> Start a loan application with Chuck
Want to join the team?
We lend in 48 states, and help folks like you and us finance or refinance their first or their tenth home–whether a primary residence, a second home, or an investment property. We also do residential construction and renovation loans, and offer a whole portfolio of products. Interested in checking out our team?
WHERE YOU CAN FIND US
WE LEND ACROSS 48 STATES
– New York and Vermont are excluded –
Tucker Main Office
2341 Main Street
Tucker, GA 30084
678.534.5834
Carrollton East Office
1000 Bankhead Hwy., Suite A
Carrollton, GA 30117
678.886.7699
Charlotte Office
1927 S. Tryon St., Suite 206
Charlotte, NC 28203
704.751.8604
Let’s Start the conversation
Say Hello and ask away!
So you came to the end of the page, and we hope you are itching to ask us some questions. We can’t wait to hear from you!
All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions apply.
Goldwater Bank, N.A. - Mortgage Division | Corporate NMLS# 452955 | Equal Housing Opportunity
Important Information About Opening a New Account Privacy Policy NMLS Consumer Access
Copyright © Legacy Mortgage Team 2021