Your Mortgage Questions, Answered.
Get in Touch with The Bamman Team
Ready to start your homeownership journey? Our Roswell-based mortgage experts are here to provide personalized guidance every step of the way. Reach out today!
Your Local Mortgage Team, Ready to Help!
Meet Our Expert Lending Team
Buying a home is a big deal, but with us by your side, it doesn’t have to be overwhelming. Get in touch with Brian or Jane today, and let’s make your homeownership dreams come true!
See What Our Clients Are Saying!
Our Google Reviews
Discover how The Bamman Team has helped clients achieve their homeownership dreams. Read reviews from happy homeowners and see why we're Roswell’s trusted mortgage experts!
New American Funding was a GOD send! With the help and long term guidance from our loan officer,Jane and everyone involved we were able to finally obtain the home of our dreams. They were patient and very clear on path ways to obtain just what we wanted. Thank you all so much! We could not have done this without you Jane!
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Marcella Herrera
4 days ago
Emily Dominguez
17 days ago
Brian and his team were excellent. We would recommend him to anyone looking at going through the home buying process.
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Trenton Armstrong
20 days ago
Brian and his team are a group of dedicated professionals that bring great credit to his company and profession. The entire experience from start to finish was flawless and we couldn't ask for a better loan process. I would recommend Brian, his team, and New American Funding to anyone needing a mortgage.
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Sonny
1 month ago
Jane was very knowledgeable and was extremely helpful with our first time home purchase. I felt completely comfortable with her expert guidance. Jane was very good at setting expectations through the entire process so there were no surprises. She was able to clearly answer all of our questions and concerns in a very timely manner. If you are looking to purchase a home for the first time, you can’t do better than Jane!
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Jonathan Mathias
3 months ago
I definitely recommend Brian and Jesse team !!!! They made this an easy process and without them I would not have a place to call home. Don’t second guess your self message them a get your self a home now 🏡❤️‼️
Read more
Becky Garcia
3 months ago
Your Mortgage Questions Answered Here
What mortgage services does The Bamman Team offer?
The Bamman Team proudly provides a comprehensive range of mortgage solutions, including:
- Conventional Loans: Competitive rates for primary homes, second homes, or investment properties.
- FHA Loans: Flexible options with low down payments, ideal for first-time homebuyers.
- VA Loans: Exclusive benefits for eligible veterans, active-duty service members, and their families.
- USDA Loans: Zero-down options for homes in eligible rural areas.
- First-Time Homebuyer Loans: Specialized support to help you achieve your homeownership dreams.
- Non-QM Loans: Unique loan solutions like Bank Statement, DSCR, and Bridge Loans for borrowers with non-traditional income.
- Bank Statement Loans – For self-employed borrowers with non-traditional income.
- DSCR Loans – Designed for real estate investors using property cash flow to qualify.
- Bridge Loans – Flexible short-term loans for transitioning between properties.
- NAF Cash Loans – Tailored solutions for unique borrowing needs.
- Jumbo Loans – Financing options for high-value properties exceeding conventional loan limits.
- Reverse Mortgages – Helping seniors unlock home equity for retirement.
- Investment Property Loans – Tailored options for real estate investors.
- Construction Loans – Financing for building your dream home.
- First-Time Homebuyer Loans – Expert guidance and tailored products for new homeowners.
- Refinance Loans – Options to lower your rate, change terms, or access equity.
- HELOCs (Home Equity Lines of Credit) – Flexible access to your home’s equity when you need it.
No matter your situation, The Bamman Team has the expertise and resources to find the right loan for your needs. Reach out today to explore your options!
How long does it take to get pre-approved?
Pre-approval is a quick process! Most applications are completed within 24-48 hours once we have all your documents.
What documents do I need to apply for a mortgage?
You’ll typically need:
- Recent pay stubs
- W-2 forms or tax returns
- Bank statements for the past few months
- Identification (driver’s license or passport)
If you’re self-employed, additional documents like profit and loss statements may be required.
Can The Bamman Team help first-time homebuyers?
Yes! The Bamman Team specializes in assisting first-time homebuyers. We guide you through the process, helping you understand your options and secure a loan that fits your needs.
What credit score do I need to qualify for a mortgage?
Credit score requirements vary by loan type:
- FHA Loans: As low as 580
- Conventional Loans: Typically 620 or higher
- VA and USDA Loans: Flexible requirements
Even if your credit score isn’t ideal, The Bamman Team can explore options to help you qualify.
How much can I borrow for my mortgage?
Your borrowing limit depends on your income, credit score, debt-to-income ratio, and the loan program. Use our mortgage calculator or contact us for a personalized assessment.
What is the difference between pre-qualification and pre-approval?
- Pre-qualification is an initial estimate of what you can afford based on basic financial details.
- Pre-approval is a more detailed review where lenders verify your financial information and issue a conditional loan amount.
What is a Non-QM Loan, and is it right for me?
Non-QM (Non-Qualified Mortgage) Loans are designed for borrowers with unique income situations, like self-employed individuals or investors. These loans include Bank Statement Loans, DSCR Loans, and Bridge Loans.
How do I get started with The Bamman Team?
Getting started is easy! Contact us via phone, email, or by filling out the form on our website. We’ll guide you through the process and tailor solutions to fit your needs.