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The Mortgage Loan Officers at First Landmark Bank are your greatest resource for navigating from the application phase to the legal closing and all the steps in between. Here are just a few additional resources that provide excellent ‘helps’ to anyone thinking about a new mortgage or refinancing their existing mortgage.

Mortgage Calculators


You can get a good estimate of your monthly payment with the calculators below.


Loan Calculators


# of Payments:


Interest Rate:
Monthly Payment:


Mortgage Calculators


Years:   Results:  
Interest:   Monthly Prin + Int:
Annual Tax:   Monthly Tax:
Annual Insur:   Monthly Ins:
Loan Amount:   Total Payment:

Home Mortgage Counseling


Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. [ Find one near you ]

Home Loan Tool Kit


A [ step by step guide ] provided by the Consumer Financial Protection Bureau (CFPB) that can help you make better choices along your path to owning a home.

CHARM Handbook for Adjustable Rate Mortgages (ARMs)


The [ CHARM handbook ] gives you an overview of ARMs, explains how ARMs work, and discusses some of the issues you might face as a borrower.

Your Credit Report and Credit Score


Mortgage underwriters (those tasked with approving your loan) review your credit score, income history, outstanding debt and other variables in considering your loan application. Your credit score is a great indicator of your ability to repay debt obligations. Those with higher credit scores typically qualify for lower interest rates because they have proven their ability to repay debt responsibly.


You will want to know what your Credit Report says. If there are errors, you will want to correct them prior to applying for a mortgage. The credit report does not provide your actual credit score, but does give information about your various credit accounts and your loan and bill payment history.


You can visit or call 877.322.8228 to obtain your free report. All individuals are eligible to receive one free report per year. Georgia residents can actually obtain two free reports per year. If there are errors in your report, contact your corresponding credit bureau and report the error to:


Experian: | 888.397.3742

TransUnion: | 800.916.8800

Equifax: | 800.685.1111


Each of these web sites offers information on how to dispute an error, what comprises your credit score, how to improve your credit score, and what to do if you are the victim of identity theft.

Mortgage Loan Rates


An ideal bank web site would place mortgage interest rates right here, at your fingertips, right? We encourage you to be cautious when seeking the most favorable rate in online and print advertising. Because rates are capable of changing several times throughout any given day, advertised rates are often outdated the very minute they’re published.


Not only do rates vary with market conditions, they also vary with the type of loan program used, your credit score, the amount of the down payment and several other variables. We can provide you quotes on the most up-to-the-minute loan rates, help you get pre-qualified, and assist you from application to the point where we can lock in the rate for your mortgage. Then, your rate becomes a known factor and you are well on your way to owning that new home or refinancing your existing one.