Your Local Mortgage Expert in Suwanee, Johns Creek, Alpharetta & Surrounding Areas

Helping Georgia families get home with confidence and clarity.
Pennix Mortgage powered by Atlantic Home Mortgage • NMLS #169678

Why Work With Shelby

home

Local market expertise

In-depth local knowledge to guide smart, confident home-buying decisions.

Fast, accurate pre-approvals

Quick and precise pre-approvals to keep your purchase moving forward.

Clear communication

Simple, transparent guidance so you always understand each step.

Access loan programs

Flexible loan options tailored to match your financial needs.

Competitive rates

Strong lender access to secure the most competitive rates.

Loan Programs

Conventional Loan

Flexible home loans with competitive rates, ideal for buyers with strong credit and stable income.

FHA Loan

Government-backed loans with low down payments, perfect for first-time or low-credit buyers.

VA Loan

Exclusive benefits for veterans and active-duty service members, offering zero down payment options.

USDA Loan

Affordable rural home loans with low interest rates and no down payment for eligible areas.

Jumbo Loan

Financing for high-value properties that exceed standard loan limits

First-Time Buyer Programs

Special assistance programs designed to make homeownership easier for first-time buyers.

Final CTA

Ready to Start Your Home Loan?

Get expert guidance from a trusted Georgia mortgage professional.
Pennix Mortgage powered by Atlantic Home Mortgage • NMLS #169678

6 Ways We Help You Lock in Lower Rates

Let our experienced team of Mortgage Advisors guide you through the buying or refinancing process quickly, efficiently, and confidently.

1

Secure Your Home Purchase Loans

Rates are competitive — so it’s a great time to buy! We’ll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.

2

Refinance for Better Rates

Take advantage of today’s great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?

3

Compare Rates & Pick the Best

You wouldn’t accept the first offer at the car lot, so don’t just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.

4

Get Your Loan Funded Faster

Other lenders giving you the runaround? Our fast funding options mean you’ll never miss out on the house you really want.

5

Evaluate Your Property

Know where you stand. With your up-to-date property evaluation in hand, you’ll be better equipped to choose the loan terms that fit your goals.

6

Get a Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance — and put your home loan to

Your Home Loan Could Be Fully Funded 30 Days From Now

Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with POP Mortgage for your home loan or refinance, you can get your money and do what you want with it – usually in less than 30 days..

Pick the Right Home
Purchase Loan for You

Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We’re here to help you make that choice.

Accomplish Your
Strategic Refinance

Want some financial wiggle room? Planning to upgrade your home? We’ll help you choose a refinance rate that saves you meaningful money. What you do with it is up to you.

Shop Around for
the Best Rate

As the potential homeowner, YOU hold all the power. Before signing your first loan offer, browse our rate comparisons to make sure you’re getting the best deal and the right-fit terms.

Get Your Mortgage Rate Quote in Just 30 Seconds!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

What Clients Are Saying

Michael R. Suwanee

Shelby made our first home purchase in Suwanee completely stress-free. She explained every step clearly and always had our best interest in mind.

Jessica L. Johns Creek

We closed early on our Johns Creek home thanks to Shelby’s clear communication and fast response time. Highly recommended!

David P. Alpharetta

As first-time buyers in Buford, we couldn’t have asked for better support. Shelby was patient, honest, and incredibly helpful.

Sarah K. Relocation Client,

From pre-approval to closing, Shelby made our Duluth home loan experience smooth, transparent, and hassle-free.

Emily T VA Loan Client

Shelby helped us secure an amazing rate for our new home in Cumming. Her knowledge and dedication truly stand out.

David P Real Estate Investor

Buying our home in Alpharetta felt overwhelming at first, but Shelby guided us through the entire process with confidence and care.