Mortgage & Loan
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The unexamined loan isn’t worth lending.
I’m Jonathan Muse, a mortgage loan officer in Duluth, Georgia. Home purchase, refinance, HELOC, investment-property and first-time-buyer loans, licensed in Georgia, Florida, Maryland, and Tennessee.
Conventional, FHA, VA, USDA and jumbo loans, with the choice explained before you shop.
Whether you could qualify, and whether the payment would feel comfortable, worked through before you start looking.
Lower the rate, shorten the term, take cash out or remove mortgage insurance, with the costs laid out first.
Borrow against your equity while your current mortgage stays as it is, for a project or to pay down higher-rate debt. Compare it with a cash-out refinance first.
DSCR and conventional loans for rental property, in all four states.
Homebuying Guidance
Wondering whether you could qualify—or what a mortgage payment would mean for your everyday budget? Let’s work through both, without pressure or judgment.
Refinance Calculator
Enter your current loan and a rate you could refinance to. See what changes each month, when you would be paid off, and whether the closing costs are worth it.
Debt Consolidation Calculator
Compare keeping your current loans, using a HELOC, or a cash-out refinance: monthly payments, interest and fees, what you would still owe, and when you would be paid off.
The calculators are free, with no login and nothing to sign up for. All three, including what waiting for a lower rate costs a buyer →
I came to mortgage lending by way of philosophy, sales, and the rearing of a family — and I still ask the question Socrates posed: what is the good life, and how do you avoid being a walking contradiction? Done honestly, this work has more in common with a good doctor’s bedside manner than with finance. You sit with someone. You look at the whole situation. You don’t rush to a product.
It’s a short, unhurried phone call. We talk about what you’re trying to do — the home, the timeline, the money as it actually is. You don’t need documents to start, and nothing is pulled or submitted without your say-so. The aim is for you to leave the call with a clearer sense of your realistic range and of sensible next steps — even if the next step is wait. No hard sell. No rate quote until I’ve actually looked at your situation.