Kathleen Carmical
Mortgage Loan Originator & Construction Specialist
About
Kathleen Carmical is a licensed mortgage originator and 20 year real estate industry veteran. Her experience provides a unique perspective for her clients and real estate agents throughout the mortgage process.
Kathleen focuses on educating and communicating with her clients in the home-buying process while finding them the best home loan program that suits their needs. She believes her sincere desire to exceed expectations is the main reason for her 100% referral based business.
A graduate of the University of Georgia, Kathleen and her family live in beautiful Roswell, Georgia and can be found most weekends attending a travel baseball game.
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
Construction-Permanent Loan
With as little as 10% down, we can help you build a new home or renovate/improve an existing one. Our Construction-Permanent program streamlines your experience with only one closing for both the construction and permanent phases of your loan.
USDA
Designed for properties located in rural areas, the USDA loan program provides up to 100% financing (0% down).
What Our Clients Say
