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

> Program details

FHA Home Loans

  • Low down payment options
  • 580 minimum FICO scores
  • No income limits

> Program details

VA Home Loans

  • No downpayment required
  • 600 minimum FICO scores
  • Limit on closing costs and fees

> Program details

Jumbo Home Loans to 1.5 M

  • Low down payment options
  • 640 minimum FICO scores
  • Fixed and adjustabe rate programs

> Program details

R

Construction Loans to 1.0 M

  • Low down payment options
  • 620 minimum FICO scores
  • 360-day construction time

> Program details

Renovation Loans

  • Low down payment options
  • 640 minimum FICO scores

> Program details

R

USDA Rural Home Loans

  • No down payment required
  • 640 minimum FICO scores
  • Low to moderate income

> Program details

Reverse Home Loans

  • Utilizes home equity
  • Applicants must be 62 or older
  • No monthly mortgage payments

> Program details

R

Other Home Loan Programs

  • Factory built homes
  • Non-conforming home loans

> Program details

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 WoodART 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 MARK PAGOMENAKIS | NMLS #163759
Producing Branch Manager
Driven. Determined. Dedicated.

> More about Mark  > Contact Mark
> Mark on Zillow
> Start a loan application with Mark

Helen Antoniadou
HELEN ANTONIADOU | NMLS #1585533

Loan Officer
Attentive. Diligent. Genuine.

> More about Helen  > Contact Helen
> Helen on Zillow
> Start a loan application with Helen

Donna Bacon

DONNA BACON | NMLS #829096
Senior Loan Officer
Committed. Dependable. Honest.

> More about Donna  > Contact Donna
> Donna on Zillow
> Start a loan application with Donna

Tracie Dial

TRACIE DIAL | NMLS #776321
Loan Processor
Dependable. Cheerful. Kind.

> More about Tracie

Justin Elam

JUSTIN ELAM | NMLS #150803
Loan Officer
Courteous. Understanding. Thorough.

> More about Justin  > Contact Justin
>
Justin on Zillow
>
Start a loan application with Justin

Heavenly FontimayorHEAVENLY 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

RYAN HAMIL | NMLS #744128
Sales Manager
Direct. Accurate. Proven.

> More about Ryan  > Contact Ryan
> Ryan on Zillow
> Start a loan application with Ryan

Dana Plazyk

DANA PLAZYK | NMLS #1630359
Marketing
Creative. Enthusiastic. Positive.

> More about Dana

Mary Reyes

MARY REYES | NMLS #168825
Loan Coordinator
Honest. Kind. Caring.

> More about Mary

Gayle Rice

GAYLE RICE | NMLS #428232
Loan Processor
Passionate. Persistent. Committed.

> More about Gayle

 Barbie Smith

BARBIE SMITH | NMLS #291068
Loan Processor
Driven. Caring. Dedicated.

> More about Barbie

Eleni Tagalos Loyd

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

CHUCK THOMPSON | NMLS #811213
Senior Loan Officer
Helpful. Trustworthy. Kind.

> More about Chuck  > Contact Chuck
> Chuck on Zillow
> Start a loan application with Chuck

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 WoodART 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 MARK
PAGOMENAKIS
NMLS #163759
Producing Branch Manager
Driven.
Determined.
Dedicated.


> More about Mark

> Contact Mark
> Mark on Zillow
> Start a loan application with Mark

Helen Antoniadou
HELEN
ANTONIADOU
NMLS #1585533

Loan Officer
Attentive.
Diligent.
Genuine.

> More about Helen
> Contact Helen
> Helen on Zillow
> Start a loan application with Helen

Donna Bacon

DONNA BACON
NMLS #829096

Senior Loan Officer
Committed.
Dependable.
Honest.

 

> More about Donna
> Contact Donna
> Donna on Zillow
> Start a loan application with Donna

Tracie Dial

TRACIE DIAL
NMLS #776321

Loan Processor
Dependable.
Cheerful.
Kind.

 

> More about Tracie

Justin Elam

JUSTIN ELAM
NMLS #150803

Loan Officer
Courteous.
Understanding.
Thorough.

 

> More about Justin
> Contact Justin
>
Justin on Zillow
>
Start a loan application with Justin

Heavenly FontimayorHEAVENLY
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

RYAN HAMIL
NMLS #744128

Sales Manager
Direct.
Accurate.
Proven.

 

> More about Ryan
> Contact Ryan
> Ryan on Zillow
> Start a loan application with Ryan

Dana Plazyk

DANA PLAZYK
NMLS #1630359

Marketing
Creative.
Enthusiastic.
Positive.

 

> More about Dana

Mary Reyes

MARY REYES
NMLS #168825

Loan Coordinator
Honest.
Kind.
Caring.

 

> More about Mary

Gayle Rice

GAYLE RICE
NMLS #428232

Loan Processor
Passionate.
Persistent.
Committed.

 

> More about Gayle

 Barbie Smith

BARBIE SMITH
NMLS #291068

Loan Processor
Driven.
Caring.
Dedicated.

 

> More about Barbie

Eleni Tagalos Loyd

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 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

Tucker Main Office

Carrollton Main Office

Carrollton Villa Rica Office

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!

Equal Housing Lender 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 Lender

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