Justin Cheathem

Justin Cheathem

Mortgage Loan Officer NMLS: 465686

I have been in the mortgage origination and personal banking industry since 2006. My passion for mortgage consulting, financial consulting and real estate has been a great fit to show my customers how they can succeed financially. Showing a client how they can purchase a home with the various loan programs available to them and help them create financial independence is rewarding. And at the same time, helping customers refinance their home mortgage loan to help them save money, pay off debts, finance college educations or maybe add on to their home for their expanding family, that is just as gratifying.

I am not looking to be your mortgage loan officer for the next 20 days, but hopefully for the next 20 years. Being available to my clients is my #1 priority and my promise to my clients. From taking late night phone calls, text messages, or maybe helping you negotiate your purchase contract on your new home, I am a full service mortgage loan officer to help complete yours and your family American Dream.

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Loan Options

Get the best rates across our wide variety of loans

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The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good option if you plan on staying in your home for years to come.

Mortgages insured by the Federal Housing Administration (FHA) offer more lenient qualification requirements. You might consider an FHA loan if you have a modest credit score or prefer a lower minimum down payment on your home.

Interest rates on an adjustable-rate mortgage (ARM) vary with the market after an initial fixed period. Also known as a variable-rate or floating mortgage, an ARM could be a consideration if you have the flexibility to pay it off if the rate rises quickly or over an extended period of time.

A VA home loan is guaranteed in part by the US Department of Veterans Affairs and offers more favorable terms. Active duty, veteran, and surviving spouses are all eligible for VA loans.

If you need to finance a home that’s too expensive for a conventional loan, you may need a jumbo loan. Feel free to contact us if you’re not sure whether or not this is for you and we can talk through your options together.

How it works

We make the digital mortgage process fast and easy.

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Reviews

We are proud to have helped thousands of happy customers over the years.

“Nathan locked us into an amazing rate and closed our loan in less than two weeks! He did everything he promised and made the entire process simple and smooth.”

Alex Borrower via Zillow

“This is not our first refi, but it was by far the most pleasurable and easiest because of Nathan. He is a professional and understands the ins and outs of this industry.”

Chelsea Borrower via Zillow

“I just did a refinance with Nathan. He and his staff got me a great rate and made the process extremely easy. He was accessible and promptly responded to all my questions. I would definitely recommend him. In fact, I recommended him to two other friends who were interested in refinancing as well.”

Mark Borrower via Google

Company Rating

Zillow
Rating 4.9

Based on 233 reviews

Google
Rating 4.9

Based on 45 reviews

Yelp
Rating 4.5

Based on 19 reviews

Our lenders

We’re backed by some of the top lenders in the market, allowing us to search dozens of options to find you the most competitive rate.

UWM, QuickenLoans, Loan Depot, and more. UWM, QuickenLoans, Loan Depot, and more. partners
Get In touch

We will help guide you through the process and get you to your goal sooner.

Get In touch

We will help guide you through the process and get you to your goal sooner.

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FAQS

Frequently Asked Questions

Our team of loan officers is highly respected in the mortgage industry. We’ve helped countless individuals and families over the years with their new-mortgage and refinancing needs. Our online application process is quick and painless, and when it’s combined with our lender relationships we’re able to offer you the best rate available.

We currently require a credit score of at least 650.

No, there’s no fee to apply for a loan. While a 3% down payment is required on purchases, this is due at closing.

Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.

We certainly do. If you find a lower rate than we offered you, please let us know and we’ll gladly match it.

If you have any other questions, just call us or send a message.