Justin Elam is a mortgage loan officer at Legacy Mortgage Team at Goldwater Bank.  A graduate of Georgia Southern University with a degree in Business Management, he has had a career in the finance field for over a decade, originating mortgage loans since 2013.

Although he serves clients across the home loan spectrum, he enjoys  working with first-time home buyers.

Justin specializes in conventional, FHA, USDA and VA loan programs,  guiding borrowers through the intricacies of the loan process.  He is thankful for his ability to connect with others on a personal level.

When not working with clients, Justin loves to be with his young family.  He and wife Natalie have four children–Aubrey, Beau, Ella and Emmy.  In his spare time, he follows the fastest growing sport in America: bull riding, and is a long-time fan of the PBR or Professional Bull Riders.