Incredible Rates

Access To Over 60 Lenders

Mortgage
Program

DOWN PAYMENT AS LOW AS:

Conventional

3%

FHA

3.5%

VA

0%

JUMBO

5%

USDA

0%

About Randy McMullin

Mortgage Broker

770.509.7827

randy@amstarloans.com

MORTGAGE 101:
VIDEO LIBRARY

Rate Info

Where Do Rates Come From

What Factors Determine YOUR Rate

Loan and Rate Options

The Process

Timeline: Application To Closing

Documents Needed

Closing Costs

How Much Do You Qualify For

Conventional Vs. FHA

  • Top Notch!

    Randy helped me purchase our first home in the Atlanta area back in 2010. He helped me refinance another home in 2016. Both times; he gave us excellent service! Randy is very knowledgeable and answered all of our questions. He is always looking out for the client!

    A. P. Shimada
  • He has lender connections and usually does not have to wait for a lender response.

    Absolutely one of the best mortgage brokers I have ever used. This guy really knows his stuff and can make things happen. He has lender connections and usually does not have to wait for a lender response. He and his team are fabulous!!!

    M. Sally
  • Knowledgeable, Informative, and Smooth the whole way through

    Randy was in the top 5% of people I’ve worked with. Specifically, he included me on all the information that I wanted, and handled whatever I didn’t want to be a part of. Two aspects stuck out strongly during my experience (closing on a first-time 30 yr FHA mort):

    – Experience: Randy’s experience runs VERY deep. He someone knows just about everything; and if he didn’t, he did the research thoroughly.

    – Turn around time: When I had burning questions, Randy took the time to answer them, regardless of time of day. He answered questions in the evening, weekends, etc. The speed to closing was also very rapid, as I closed in 30 days.

    A. Jooma
  • Superior Service and Performance

    Having bought and financed/refinanced many homes in my life, several while self-employed (If you don’t know, this makes the loan process and qualificationis more arduous). I have never thought about going anywhere else for help on a mortgage after working with Randy. Heis extremely knowledgeable, customer-centric and fully explains every step of the way.

    One of the first deals I did with AmStar, I had an offer from my own bank, a good one–Randy actually got me a better deal from my own bank even after his fee!

    J. Sloane
  • Randy and Team made the process of buying my home so easy!

    Randy and Team were fabulous! Let me start by saying I initially contacted Randy 4 years prior to actually closing on a home. I knew I wasn’t quite ready but I wanted to make sure my credit was in the best condition possible when I got to that “ready” point. I would check in with Randy every 6-7 months just to update him on my improved credit score, my debt to income ratio and my savings. And even at the 4th year Randy was still as responsive, patient and informative as he was the very first time I contacted him. After working with Randy and his Team I couldn’t imagine going anywhere else for any of my future loan needs. If you are looking for a Team that will guide you every step of the way, that are looking out for your best interest and give you all the information needed to make the best decision possibles, then Randy McMullin and Team at AmStar Mortgage Network is who you should call!

    A. C. Worth
  • Great broker

    Randy is highly knowledgeable and very responsive. I’ve used him for my initial mortgage, a refi, and I’m going to use him for another mortgage when we sell our house next year. I’ve already been working with him on a prequal, and with every transaction I’ve found him to be timely, professional and exceptionally thorough.

    S. Doherty
  • Thanks Randy for your expertise and compassion!

    My husband and I went with Randy because he gave us a clear and honest picture of our timeline in purchasing our first home. My husband is self-employed and I was unemployed at the time and Randy and his incredible team helped us through our long process. We knew it was going to be a marathon getting into our home, considering our circumstances, but Randy was always available to help and went above and beyond for us. I’m so grateful for his expertise and his compassion because now we are enjoying our new home to the fullest!

    D. Boudreau
  • Great professional

    Randy impressed us with his knowledge and professionalism. He was the only one who was able to find us a combination of a conventional and HELOC loans which saved us a lot of money on loan insurance. He was very responsive and great to work with.

    M. Abbasi
  • Randy made the process easy!

    He helped me through the initial process then kept me informed throughout. He got me a great rate and saved me dollars up front. I have already referred him twice.

    D. Deignan
  • Professional; Responsive

    Randy was terrific for this first time home buyer. I didn’t have much experience at all in obtaining a mortgage, but Randy and his staff were very helpful in clearly requesting the specific items they needed, and never asking for information that wasn’t critical to getting the mortgage. I ended up with a solid rate for my credit score. Was also extremely responsive to questions that I had. I highly recommend Randy and his team.

    S. Tingily
  • Top Notch!

    Randy helped me purchase our first home in the Atlanta area back in 2010. He helped me refinance another home in 2016. Both times; he gave us excellent service! Randy is very knowledgeable and answered all of our questions. He is always looking out for the client!

    A. P. Shimada
  • He has lender connections and usually does not have to wait for a lender response.

    Absolutely one of the best mortgage brokers I have ever used. This guy really knows his stuff and can make things happen. He has lender connections and usually does not have to wait for a lender response. He and his team are fabulous!!!

    M. Sally

Don’t just get pre-qualified, get pre-approved.

Call 770.509.7827 to find out your number

Have a question?

Get answers from a licensed mortgage expert

The mortgage process can seem daunting.After all, there are over 5000 pages of underwriting guidelines. There is an abundance of loan programs and options at different rates and from different sources.

We make it simple

I’ll put all your options in black and white and then answer any questions you have about the advantages or disadvantages of each option. The best choice for one person may not be the best choice for another and the wrong decision could end up costing thousands of dollars down the road.

Make sure you’re on the right path

We’re focused not only on the best rates but also something most lenders never ever talk about: the lowest cost of ownership. That’s a smarter way of looking at your mortgage.

You can’t make an educated decision without this information

Call, email, or see my BLOG to get more details to help you save money.

This is how interest rates are determined

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