Make Your Dream of
Home Ownership a Reality

At Generate Mortgage, we are dedicated to providing mortgage solutions that offer true financial peace of mind. Buying a home can feel overwhelming, but our experienced team of mortgage professionals is here to guide you every step of the way. From your first questions to the final closing, we take the time to prepare, support, and navigate you through the entire process with care and confidence.  

The Mortgage Process Simplified

Mortgage Options

Connect with your mortgage expert and learn about all your home buying options and programs

Step by Step Guide

We will walk you through each step of the mortgage process and guide you into home ownership

Apply Now

Our application process is simple and streamlined which means applying is easy and fast

What Our Customers Say
reviews
(4)


Reviews
4.91
Ratings
97
Total Reviews
5
89.69%
4
7.22%
3
1.03%
2
2.06%
1
0%
Sort
Filters
Reset
Date
Source
Gateway
Rating
05
  • N
    Nakeiya W 
    Hampton - Georgia
    Posted on October 28th, 2025 01:03 PM
    5.0
    for
    Michael O'Nan
    write_review
    My husband and I are first time home buyers, and Michael O’nan had our backs from the very beginning. We were able to have complete transparency with him regarding our financial situation and what we were hoping to receive from this experience. He fa... read more
  • V
    V B 
    Posted on October 23rd, 2025 08:58 PM
    5.0
    for
    Michael O'Nan
    write_review
    Very professional, helpful, honest, supportive, and resourceful, Michael and Generate Mortgage knock it out of the park every time! They have their clients' best interests at heart every moment of the process as they find the best products, offer mu... read more
    Reply from
    Michael O'Nan
    October 28th, 2025 12:52 PM
    Thanks so much for the kind words — that really means a lot!
  • N
    N B 
    Posted on October 23rd, 2025 08:55 PM
    5.0
    for
    Michael O'Nan
    google
    Very professional, helpful, honest, supportive, and resourceful, Michael and Generate Mortgage knock it out of the park every time! They have their clients' best interests at heart every moment of the process as they find the best products, offer mu... read more
    Reply from
    Owner
    October 28th, 2025 12:52 PM
    Thanks so much for the kind words — that really means a lot!
  • mobile view graphic frame
    mobile view graphic content

    We're Here for You...

    Every step of
    the way

    We understand the mortgage and refinance process can be stressful. That's why we're here as your partners to finance the home of your dreams with full transparency and clarity

    Get Answers to All your Mortgage Questions?

    Committed to giving you all the support and guidance you need.

    A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

    Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

    On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

    Refinancing is typically a smart move when mortgage rates are at least .375% lower than your current loan rate. Even a small reduction can lower your monthly payments. For example, on a $100,000 loan at 8.5%, your payment (excluding taxes and insurance) would be around $770. If the rate drops to 7.5%, your payment could drop to $700—saving you $70 a month. Your savings will vary depending on your income, budget, loan amount, and changes in interest rates. A trusted mortgage professional can help you calculate the best options for your situation.  

    An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

    The Right Tools to Help you Every Step of the Way