We are a full service
Home
Mortgage
Lender
Dedicated to making your dream a reality. Whether buying a new home or refinancing an existing one, we are here to guide you through the process and be a part of your journey.
What we do FOR YOU
We believe the mortgage process should be built on trust, transparency, and clear communication. That’s why we keep you informed at every step, ensuring a smooth and straightforward experience. Our team works diligently to provide loan options tailored to your financial needs, always adhering to federal and state lending regulations. No surprises—just expert guidance to help you navigate home financing with confidence.
OUR HOME LOAN PROGRAMS
Conventional Home Loans
- Low down payment options
- 620 minimum FICO scores
- Fixed and adjustabe rate programs
FHA Home Loans
- Low down payment options
- 620 minimum FICO scores
- No income limits
VA Home Loans
- No downpayment required
- 620 minimum FICO scores
- Limit on closing costs and fees
Construction Loans to 1.0 M
- Low down payment options
- 640 minimum FICO scores
- 360-day construction time
Renovation Loans
- Low down payment options
- 640 minimum FICO scores
USDA Rural Home Loans
- No down payment required
- 640 minimum FICO scores
- Low to moderate income
Reverse Home Loans
- Utilizes home equity
- Applicants must be 62 or older
- No monthly mortgage payments
Jumbo Loans
- Low down payment options
- 700 minimum FICO scores
- Up to $1.5MM
GUIDING YOU THROUGH THE LOAN PROCESS
Watch the video
WHAT TO EXPECT… STEP BY STEP
The loan process can feel like a long and winding road… but it doesn’t have to be. We’re here to guide you every step of the way, making the process clear and straightforward. Click on the “+” for a full explanation of each step
1. MEET YOUR LOAN OFFICER AND COMPLETE A LOAN APPLICATION
You’ll meet with your dedicated Loan Officer by phone or in person to discuss your loan needs. You’ll fill out an application online, verbally by phone or in person, and will be asked to sign a number of documents and disclosures, including a “Loan Estimate,” which is a summary of how we expect your transaction to close. This estimate takes into account your loan amount, interest rate, estimated monthly payment and closing costs, but may not include seller contributions, earnest money deposits, inspections and Home Owners Association’s (HOA’s) monthly fees.
2. MEET YOUR DEDICATED LOAN PROCESSING SPECIALIST
Your dedicated Loan Processing Specialist will review your application and coordinate details including ordering home appraisal, title search, and employment verification. Your Loan Processing Specialist will then submit the file to your designated Underwriter for approval.
3. APPRAISALS AND INSPECTIONS
A third-party appraisal will be ordered to confirm the property’s value. Depending on the loan type, the appraisal may be a drive-by, database inquiry, or full walk-in inspection. This appraisal is conducted for the purposes of Art Wood Mortgage Team at Luminate Bank and is separate from any assessment the county may perform.
4. INSURANCE, TITLE, AND SURVEY
We’ll need to verify homeonwers insurance to the coverage and deductible requirement of your loan.
5. CONDITIONAL APPROVAL
This means that your loan has been conditionally approved, pending review of appraisal, bank statements, paystubs, insurance, or letters of explanation.
6. FINAL APPROVAL
After final approval, we will issue you a “Closing Disclosure.” The closing disclosure represents your final numbers at that time, including the amount of money you are bringing or receiving from closing. Federal law requires that this closing disclosure is delivered to you at least 3 days before closing. This means it is extremely important that you e-sign or physically sign and return this closing disclosures as soon as possible in order to avoid any unnecessary delays in closing your loan. The last stop is the closing table, where you’ll need two forms of identification and a pre-arranged form of payment, if required.
Why we are different
We could talk about our commitment to exceptional service, our dedication to making your loan process smooth and stress-free, or how we keep you informed every step of the way. But at the end of the day, this isn’t about us—it’s about you. Your home, your goals, your future. Whether you’re buying a new home or refinancing, this is a big moment in your life, and we’re here to guide you through it with transparency, expertise, and care. We’d be honored to be part of your journey and help you make confident, informed decisions every step of the way.
MEET THE TEAM
We are so lucky!
A team like ours doesn’t come together every day. We bring deep expertise, seamless collaboration, and a shared commitment to making your home financing experience as smooth as possible. Most importantly, we know that this process isn’t about us—it’s about you. Your goals, your home, your future. And that’s what drives everything we do.
ART WOOD | NMLS #118234
Mortgage Loan Originator
Honest. Determined. Mortgage Nerd.
> More about Art
> Contact Art
> Art on Zillow
> Start a loan application with Art
Want to join the team?
We lend in all 50 states, and help folks like you and us finance or refinance their first or their tenth home–whether a primary residence, a second home, or an investment property. We also do residential construction and renovation loans, and offer a whole portfolio of products. Interested in checking out our team?
WHERE YOU CAN FIND US
WE LEND ACROSS ALL 50 STATES
Tucker Main Office
2323 Main Street, Ste A
Tucker, GA 30084
404-909-3567
Let’s Start the conversation
Say Hello and ask away!
So you came to the end of the page, and we hope you are itching to ask us some questions. We can’t wait to hear from you!