Sample redesign by WebologyWORX · Concept for Approved Now, not the official website
Sample redesign by WebologyWORX · Concept for Approved Now, not the official website
I'm Chris Philmon. For over two decades I've helped Georgia families buy, build and refinance — shopping the market for your best loan, and picking up the phone when you call.
Your first home, your forever home, or your fifth rental — the right loan depends on the goal. Pick yours and Chris will map out the smartest path to the closing table.
First-time or move-up buyers. Low down payment options, strong pre-approvals that sellers take seriously.
Get pre-approved
Drop your rate, shorten your term, remove PMI or tap equity for renovations and debt payoff.
See my savings
DSCR, bank statement and asset-based loans for borrowers a traditional bank doesn't know how to underwrite.
Explore optionsBanks offer you their rate sheet. Chris shops your scenario across a wide network of wholesale lenders to find the best combination of rate, cost and structure.
Access to dozens of wholesale lenders means more ways to win on rate, fees and approval.
Fully reviewed pre-approvals so your offer competes like cash in a tight Atlanta market.
No call centers, no hand-offs. Your loan officer's cell number, nights and weekends included.
Clear numbers up front and proactive updates at every milestone until you have keys in hand.
From 0% down VA loans to investor financing based on rental income, Chris matches your goals with the program that fits.
Competitive rates for buyers with solid credit. Put as little as 3% down and drop PMI once you reach 20% equity.
Government-backed loans with flexible credit guidelines — a great fit for first-time buyers and those rebuilding credit.
Earned benefits for veterans, active-duty service members and eligible surviving spouses.
Zero-down financing for eligible homes in qualifying areas — including many communities just outside Metro Atlanta.
Financing for higher-priced homes above conforming loan limits, with competitive rates and flexible structures.
Build your dream home or roll renovation costs into one loan with one closing.
Qualify using 12–24 months of personal or business bank deposits instead of tax returns.
Qualify based on the property's rental cash flow — not your personal income. Close in an LLC.
Use eligible liquid assets to qualify — ideal for retirees and investors with significant savings.
Streamlined documentation for contractors and gig workers using 1099s or a CPA-prepared P&L.
Higher loan amounts with alternative documentation for complex income and unique properties.
Options for borrowers with a recent bankruptcy, foreclosure or short sale who are ready to own again.
Lower your rate, reduce your payment, or shorten your term to build equity faster.
Turn home equity into cash for renovations, tuition or consolidating higher-interest debt.
Access equity while keeping your low first-mortgage rate untouched.
The VA streamline refinance — lower your rate with minimal paperwork and often no appraisal.
A faster path to a lower payment for existing FHA homeowners.
Convert home equity into tax-free funds with no monthly mortgage payment while you live in the home.
Slide to see an estimated monthly payment — then let Chris turn it into a real, personalized quote.
For illustration only. Not a loan offer or commitment to lend. Actual rate and payment depend on credit, property, program and market conditions.
A simple, transparent process — with Chris guiding every step.
Share your goals in a 15-minute call. No pressure, no hard credit pull.
Upload documents securely and receive a strong, fully reviewed pre-approval letter.
Chris compares lenders, then locks your rate the moment you're under contract.
Clear updates through underwriting and appraisal — then sign and celebrate.
Whether you're buying, selling, refinancing or building your dream home, you have a lot riding on your loan officer. Market conditions and mortgage programs change constantly — you need someone who can give you quick, accurate advice and the right options.
Chris Philmon has spent more than 20 years in mortgage lending across Georgia, from branch leadership to senior loan officer roles. He knows the Atlanta market, the lenders and the programs — and his goal is simple: make sure you make the right choice for you and your family.
Chris's Google and Zillow reviews will live here.
“Placeholder review — a first-time buyer describing how Chris explained every step and got them to closing on time.”
“Placeholder review — a self-employed borrower whose bank turned them down, approved with a bank statement loan.”
“Placeholder review — a homeowner whose refinance lowered their monthly payment, with Chris answering calls on weekends.”
Often less than you think. VA and USDA loans can require $0 down, FHA starts at 3.5%, and conventional loans start at 3%. Georgia down payment assistance programs may help cover the rest.
Chris can start with a conversation and a soft review. A full credit check happens once you're ready, and multiple mortgage inquiries within a short window are typically treated as a single inquiry.
Yes. Bank statement, 1099 and P&L programs let you qualify using real cash flow instead of the write-offs on your tax returns.
A bank can only offer its own products. Chris compares options across many wholesale lenders, which can mean better pricing and approvals for files that don't fit one bank's box.
Most purchase loans close in about 21–30 days. Chris will set a timeline that matches your contract and keep everyone updated along the way.
Yes. DSCR loans let you qualify based on the property's rental income and close in an LLC — no personal tax returns needed.
Get a clear plan, real numbers and a pre-approval you can shop with — often within 24 hours.
Tell Chris a little about your plans and he'll reach out personally — usually the same day.