Your Buckhead Dream Home Is Waiting— Don't Let Credit Hold You Back
Picture yourself in that Buckhead estate you've been eyeing. The tree-lined streets of Tuxedo Park. The energy of Lenox Square just minutes away. You've earned this—and a temporary credit setback shouldn't stand in your way.
Limited Availability This Month
We can only take on 12 manual underwriting files per month to ensure quality. 3 spots remain for December closings.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"I've helped hundreds of Buckhead families get into homes they thought were out of reach. The difference? I look at your complete financial picture—not just a three-digit number. When you're ready to stop hearing 'no' and start packing boxes, let's talk."
Why Buckhead Professionals Trust Us With Their Biggest Investment
Buckhead isn't just a neighborhood—it's a statement. You've worked hard to get here. Whether you're a Coca-Cola executive, a physician at Piedmont, or running your own practice, we understand the unique financial profiles of Atlanta's most successful professionals.
The Buckhead Lifestyle Reality
Country club memberships. Private school tuition. The Mercedes lease. Success comes with expenses—and sometimes credit cards get stretched. We see this every day and know exactly how to navigate it.
$1M+ Homes, 500+ Credit Scores
Last month alone, we closed three Buckhead purchases for borrowers with credit scores under 580. Manual underwriting looks at your assets, income stability, and payment history—not just the score.
Debt Consolidation That Works
Imagine eliminating $50,000+ in credit card payments with a single mortgage payment. Our Clean Slate Program has helped dozens of Buckhead families regain financial control while staying in their dream neighborhood.
FHA Manual Underwriting
- Credit scores down to 500 FICO
- 2025 Fulton County limit: $546,250
- DTI up to 50% with compensating factors
- Gift funds allowed for down payment
VA Manual Underwriting
- No minimum credit score requirement
- $0 down payment, no PMI ever
- No loan limit for eligible veterans
- Fort Moore, Dobbins ARB veterans welcome
Recent Buckhead Success Stories
Real closings. Real families. Real solutions.
Coca-Cola marketing director. Divorce tanked credit. Denied by Wells Fargo, SunTrust, and two credit unions. We closed in 26 days with FHA manual underwriting.
Army veteran, now Delta pilot. Medical bills from deployment crushed credit. $0 down, no PMI, closed in 23 days. Now flying home to his dream house.
Consolidated $68k in credit cards. Monthly payments dropped $2,100. Score recovered to 712 within 4 months. Now debt-free except the mortgage.
Imagine This Time Next Month...
You're walking through your new Buckhead home. The hardwood floors gleam in the afternoon light. Your kids are exploring their new rooms. The stress of "will we get approved?" is a distant memory.
This isn't a fantasy—it's exactly what happened for the Johnsons last month, and the Patels the month before. They had the same doubts you might have right now. The same credit concerns. The same fear of another rejection.
The only difference? They picked up the phone.
Common Questions from Buckhead Buyers
Can I get an FHA loan in Buckhead with a 520 credit score?
Yes. While most Atlanta lenders require 620+, we manually underwrite FHA loans down to 500 FICO in Buckhead, Sandy Springs, and all metro Atlanta affluent areas. The key is having compensating factors like stable income, cash reserves, or low debt-to-income ratio.
How quickly can you close on a Buckhead home purchase?
With complete documentation, we've closed FHA and VA loans in Buckhead in as few as 21 days. The key is getting your file to us early so we can identify and resolve any issues upfront. Most files close in 25-30 days.
Do you work with borrowers who have high credit card debt?
Absolutely. Many Buckhead professionals carry significant credit card balances—it's the reality of maintaining a certain lifestyle. We can often consolidate that debt through a cash-out refinance, improving your monthly cash flow and potentially raising your credit score within months.