Tom Heath

VP/Senior Loan Officer
NMLS: 182420
HI, I’M
Tom Heath

Your Local
Mortgage Expert

Your personal mortgage guide on your quest to becoming a homeowner. Click the links below to start your journey with me.

100K +
Satisfied Customers
OUR REVIEWS

We Have Helped Thousands Of Home Buyers Just Like You!

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Bethlehem, Georgia

09/08/2022

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Bethlehem, Georgia

09/08/2022

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Bethlehem, Georgia

09/08/2022

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Making An Impact In Our Local Communities For 40+ Years

We’re proud of more than 40+ years of serving our customers and excited about the future as we continue to evolve to meet their needs.

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40+ Years

of serving our customers

500,000+

Happy homeowners served across 20 states
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Visit us at 21 branches
EDUCATION

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Here to guide you along your home buying journey:

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HOW IT WORKS

Learn more about VA Loans

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Unlock the Full Potential of Your Mortgage Advisor sales force with WOWMI's Comprehensive Suite of AI-Powered Marketing Tools and Strategies

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real estate

How to get started cardinal Nova webinar lorem ipsum

Unlock the Full Potential of Your Mortgage Advisor sales force with WOWMI's Comprehensive Suite of AI-Powered Marketing Tools and Strategies

Tom Heath
VP/Senior Loan Officer
/Webinar Host
Why you should attend
Online Zoom

Help to increase brand awareness and generate leads from audience

Online Zoom

Help to increase brand awareness and generate leads from audience

Online Zoom

Help to increase brand awareness and generate leads from audience

APPLICATION PROCESS

We Simplify The Process, So You Can Maximize Your Results

VA Home Loans offer some amazing benefits that every home buyer in the country would love to have access to, but it’s only available to veterans, service members, reservists, and surviving spouses. To apply, you just need to follow for simple steps.

1

Find a VA-Approved Lender

Only lenders, like Guaranteed Rate, the company I work for have been approved by the U.S. Department of Veterans Affairs can help you secure a VA Home Loan.

2

Obtain your Certificate of Eligibility

Once you’ve found a VA-approved lender, they can check if you’re eligible for a VA Home Loan and help you secure your COE.

3

Gather your Financial Documents

Once you have your COE, you’ll provide your lender with some basic information like income, employment history, and credit score to determine your loan amount.

4

Once you’re pre-approved for your loan amount it’s time to start shopping for homes!

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.

tESTIMONIALS

Find out what people are saying about us!

We’ve helped thousands of home buyers just like you. Find out what people are saying about the expert service they’ve found at NOVA Home Loans!

Nate Kenyon

Licensed Sales Assistant

Guaranteed Rate

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ABOUT PRESENTER

Tom Heath

Partnership begins with a conversation to see how we could help you grow your business. Click on the 'schedule consultation' link to begin the journey.

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About PRESENTER

Tom Heath

Partnership begins with a conversation to see how we could help you grow your business. Click on the 'schedule consultation' link to begin the journey.

Schedule Consultation
QUESTIONS & ANSWERS

We’re Here To Find You The Answers You Need

What is a VA loan?
Who is eligible for a VA loan?
What are the benefits of a VA loan?
How much money can I borrow with a VA loan?
What are the requirements for a VA loan?
What is the process for getting a VA loan?
GET QUOTE

Want to learn more about VA Loans?

Starting your road to homeownership is literally a click away. Start today!

LET’S GET STARTED!

Ready to apply for your home financing loan?

LET’S GET STARTED!

Ready to apply for your home loan?

Your path to ownership is just one click away! Schedule a complimentary consultation now so we can take a look at your specific needs and find the perfect home loan for you!

Tom Heath

VP/Senior Loan Officer
NMLS: 182420

*This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. <COMPANY NAME> is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_ agency_look.cfm or call (800) 569-4287

Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.

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Getting approved for a VA loan begins with taking a look at your unique situation.

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Getting approved for a VA loan begins with taking a look at your unique situation.

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