Licensed GA Loan Originator

Home loans
with love.

I'm Loyce M. Cheatson NMLS #2278008. From your first home to your next investment, let's find a mortgage path that fits your goals.

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MORE OPTIONS · A CLEAR PLAN · A PERSONAL CONVERSATION

Every journey begins somewhere

Let's make your next step feel possible.

Buying, refinancing, investing, or preparing for the future? You deserve to understand your options. I start by listening, reviewing the full picture, and helping you choose a practical next step.

Talk with Loyce

Illustrative photo of a family together on the porch of a home

FHA loans

A home purchase option with flexible qualification guidelines.

Conventional loans

Financing for eligible buyers with a range of down payment options.

VA loans

For eligible veterans, service members, and surviving spouses.

USDA loans

No down payment for eligible borrowers and properties in qualifying areas.

Refinance loans

Review whether replacing your current mortgage supports your goals.

Cash out refinance

Explore accessing home equity for eligible needs.

Investment property loans

Financing options for real estate investors.

Manufactured home financing

Ask about financing for qualifying manufactured homes.

DSCR loans

Investor financing that may consider property rental income.

Bank statement loans

Alternative income documentation options for eligible self employed borrowers.

Doctor loans

Specialized options for eligible medical professionals.

Construction to permanent loans

Financing options for a qualifying new home build.

Jumbo loans

Options for loan amounts above conforming limits.

Non QM loans

Alternative qualifying paths for unique financial situations.

HELOCs & home equity loans

Explore a line of credit or a fixed loan using eligible home equity.

Reverse mortgages

Options for eligible older homeowners to access part of their home equity.

Plus many more loan options

All programs are subject to availability, credit approval, property requirements, and lender guidelines. VA loans may include a funding fee unless exempt. USDA eligibility depends on borrower and property requirements. A reverse mortgage has costs and obligations; borrowers remain responsible for taxes, insurance, and property maintenance.

Plan your monthly budget

Estimate your mortgage payment.

Adjust the example numbers to explore a monthly payment. The interest rate shown is an illustration, not a current rate quote.

Estimated monthly payment

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This estimate is for planning only and is not a rate quote, loan approval, or commitment to lend. Actual payments, rates, taxes, insurance, and fees may differ. Closing costs and program specific fees are not included. A zero mortgage insurance entry does not mean mortgage insurance is waived.

Talk with Loyce

Meet your loan originator

Loyce M. Cheatson NMLS #2278008

Licensed GA Loan Originator

I believe a good mortgage conversation starts before an application. I help you look at the details, understand the options, and prepare for a decision that makes sense for you.

No matter how dim your situation may feel, I have the dedication and passion to help you work toward the closing table. Let's chat to find the best option for you.

Through Edge Home Finance, LLC's network, I can help connect you with mortgage options in 49 states. Loans are originated by professionals licensed in the applicable state.

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