You're Going to Love
Your Mortgage
I work for you, not the banks. My independence allows me to shop hundreds of lenders to find the perfect loan for your unique situation.
Strategy For Winning
Means I don't “Set It And Forget It.” I lock your rate at the best option today, then monitor the market. If rates drop, I'll request a float-down when available—or pivot to another lender and re-lock at the lower rate, without missing your closing date.
Client Stories
They Love Their Mortgages
“Larry was incredibly helpful with helping me find the best rates during my first homebuying experience! He provided a spreadsheet with clear financing options to help me evaluate different scenarios. He also helped explain why certain mortgage offers weren't good deals. Highly recommend using Larry for your next home purchase!”
Camille H.
Google Review
“Larry was exceptional in helping us lock in a very competitive rate. I will likely never have to refi, unless there's another Covid outbreak that sends rates plunging, in which case... I'm calling Larry, for his trustworthy and knowledgeable services, and attention to detail!”
Alexander C.
Google Review
“Larry was incredibly helpful and very communicative throughout the entire process. He made things clear for a first-time buyer. I would absolutely work with him again. Thanks, Larry!”
Erica
Google Review
“Using Love My Mortgage Broker LLC, has been one of the greatest decisions we've made. Consistent, caring and calculated... Larry is a winner!”
Cassandra B.
Google Review
“Larry is knowledgeable and quick to respond. His rates are extremely competitive and he provides a personal touch I haven't seen with other brokers.”
Preston L.
Google Review
“Extremely knowledgeable and provided insightful guidance. Easy to contact, great open communication. Always amazing service.”
Paige W.
Google Review
“I've known Larry for many years. He always provides outstanding professionalism and top-notch service. Larry pays attention to the smallest details. I love his "customer comes first" attitude. I highly recommend Larry and his service.”
Ty B.
Google Review
Strategy for Winning
Best Rates Guaranteed
I leverage my lender network to secure wholesale rates you can't get directly.
Rate Lock Strategy
Your initial rate lock ensures your rate won't increase during your home search, then monitor the market throughout your loan process.
Float-Down Options
If rates drop, I'll request a float-down when available—or pivot to another lender and re-lock at the lower rate seamlessly without any impact to the closing date.
Working with My Realtor Partners
Once we secure your final lock and capture your best available rate, we take it a step further—structuring your loan to dramatically reduce your rate for the first few years, nearly cutting it in half in year one, at no cost to you. The goal is simple: give yourself a 2–3 year window for rates to improve, then refinance into an equal or even better long-term rate.
14-21 Day Closing Average
Fast, efficient closings that keep you on schedule. No unnecessary delays, just smooth processing from start to finish.
Rate Index
The Rate Index is updated daily at 4 pm EST and is the best way to follow Day-To-Day movement in mortgage rates.
Data updated daily. Rates vary based on loan type, credit profile, and market conditions.
Mortgage Rates Change by the Hour—Not the Day
Timing your Rate Lock isn't luck—It's Strategy
Most lenders lock and move on. We lock, watch, and optimize.
Rates can adjust multiple times throughout the day. Why?
Mortgage rates are directly tied to mortgage-backed securities (MBS).
However… The 10-year Treasury yield is the benchmark the entire market watches, so it has the most immediate and visible influence on rate movements.
Free Download — Trusted by Thousands
Download The No. #1 Mobile App Most Mortgage Brokers Rely On And See For Yourself
- Stay up-to-date with live mortgage rates
- Know immediately when rates shift
- Estimate payments with our tools
- View rates from lenders in your market
Scan to Download Free
Available on iOS and Android
About Larry
A Trusted Advisor, Not a Salesperson
I want you to Love Your Mortgage. That might sound unusual—most people just want to get through the process and move on. But I believe your mortgage experience should be different.
You'll always know what's happening, why it matters, and what it costs. My goal is for you to feel comfortable, confident, and free of stress—never pressed.
As an independent mortgage broker, I compare options across a vast lender network and craft a strategy that puts your interests first, targeting the best mix of rates, terms, and the lowest total cost.
Larry Combs
LoveMyMortgageBroker LLC NMLS 2115277
Larry Combs NMLS#2038324
Serving The Great State of Georgia
Service Mindset
Your success is my success. I'm here to serve, not sell.
Integrity First
Transparent pricing, honest advice, no hidden surprises.
Expertise
Deep knowledge of the mortgage industry and market trends.
Client for Life
Building lasting relationships, not just closing loans.
The Process
Transparent Guidance, Every Step
You'll always know what's happening, why it matters, and what it costs. My goal is for you to feel comfortable, confident, and free of stress.
Discovery Call or Text
I discuss your goals, finances, and timeline. I listen to understand your unique situation and what matters most to you.
Personalized Analysis
I create a detailed Excel workbook with multiple scenarios, comparing rates, terms, and total costs across my lender network.
Application & Lock
Once you choose your best option, I lock your rate and begin processing. I monitor the market for any opportunities.
Close & Celebrate
Close in 14 to 21 days on average, and you move into your new home with a mortgage you love. Expect a great experience.
Understanding Your Documents
The Loan Estimate Explained
The Loan Estimate (LE) is a 3-page standardized form that helps you understand and compare mortgage offers. Here's what each section means.
Loan Amount
The total amount you're borrowing from the lender.
Interest Rate
The cost of borrowing, expressed as a percentage. Can be fixed or adjustable.
Monthly Principal & Interest
Your base monthly payment that goes toward paying down the loan.
Projected Payments
Estimated total monthly payment including taxes, insurance, and any mortgage insurance.
Loan Costs (Section A)
Origination charges, points, and fees paid directly to the lender.
Services You Cannot Shop For (Section B)
Required services like appraisal, credit report, and flood certification.
Services You Can Shop For (Section C)
Title services, survey, and pest inspection where you can choose providers.
Other Costs (Sections D-H)
Taxes, government fees, prepaids, and escrow amounts due at closing.
Cash to Close
Total amount you need to bring to closing, including down payment and closing costs.
APR (Annual Percentage Rate)
The true cost of your loan including fees, expressed as a yearly rate. Use this to compare loans.
Total Interest Percentage (TIP)
The total interest you'll pay over the loan term as a percentage of the loan amount.
Comparisons
Shows costs over 5 years and total payments over the life of the loan.
Sample Loan Estimate Breakdown
Loan Amount
$350,000
Interest Rate
6.25%
30-Year Fixed
Monthly Payment
$2,155
Principal & Interest
Cash to Close
$45,200
Down Payment + Costs
Key Things to Know
You'll receive your Loan Estimate within 3 business days of applying
The LE is not a commitment—it's an estimate that can change
Compare APR (not just interest rate) when shopping lenders
Watch for changes between LE and final Closing Disclosure
Some fees can increase, others are locked—I'll explain which
Loan Products
Mortgage Solutions for Every Need
From first-time homebuyers to seasoned investors, I offer a comprehensive range of loan products tailored to your unique situation.
First Time Home Buyer
Specialized programs designed to help you achieve homeownership. Guidance through every step of your first purchase.
- Lower Down Payments
- Educational Resources
- Special Incentives
Down Payment Assistance
DPA programs to help cover your down payment and closing costs. Grants and forgivable loans for qualified buyers.
- Grant Programs
- Forgivable Loans
- Income-Based Options
Conventional Loans
Traditional mortgage financing with competitive rates for qualified buyers. Ideal for those with good credit and stable income.
- Fixed & Adjustable Rates
- Low Down Payment Options
- Primary & Second Homes
FHA Loans
Government-backed loans with flexible qualification requirements. Perfect for first-time homebuyers or those with limited down payment.
- 3.5% Down Payment
- Lower Credit Requirements
- Gift Funds Allowed
VA Loans
Exclusive benefits for veterans, active military, and eligible spouses. No down payment required with competitive rates.
- Zero Down Payment
- No PMI Required
- Flexible Guidelines
USDA Loans
Rural development loans with no down payment for eligible properties. Great for buyers in qualifying rural and suburban areas.
- 100% Financing
- Below-Market Rates
- Low Mortgage Insurance
Home Construction
Finance your dream home from the ground up. Single-close construction loans that convert to permanent financing.
- One-Time Close
- Interest-Only During Build
- Custom Home Financing
Fix and Flip
Short-term financing for real estate investors. Quick funding to purchase, renovate, and sell properties for profit.
- Fast Approval
- Renovation Costs Included
- Flexible Terms
Hard Money Loans
Asset-based lending for unique situations. When traditional financing isn't an option, we have alternative solutions.
- Asset-Based Approval
- Quick Closing
- Bridge Financing
Investor Loans
Financing for rental properties and investment portfolios. Build wealth through real estate with competitive investor rates.
- Rental Property
- DSCR Loans
- Portfolio Lending
DSCR Loans
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow, not personal income.
- No Income Verification
- Cash Flow Based Approval
- Short & Long-Term Rentals
Direct Lender Programs
Access to exclusive wholesale programs not available at retail banks. Better rates through direct lender relationships.
- Wholesale Rates
- Exclusive Programs
- Bank Statement Loans
Why Choose a Broker
Brokers Reach More People
Independent research using 2023 HMDA data shows the broker channel not only helps borrowers save on average, but also gets more families to “yes.”
Higher Approval Rates
Independent research shows the broker channel achieves higher approval rates for veterans and minority-majority neighborhoods compared to retail.
More Families to Yes
Brokers help more families achieve homeownership with approval rates of 75% compared to 64% through traditional retail channels.
Wholesale Access
Access to a vast network of wholesale lenders that banks and credit unions simply don't have, giving you more options and better rates.
Your Interests First
My recommendations are tailored to your family's needs, goals, and finances—never pushed by quotas or bank products.
Source: Polygon Research, Channel Study 2024 (analysis of 2023 HMDA data); summary via Business Wire press release, Aug 28, 2024.
Get Started
Ready to Love Your Mortgage?
Let's start with a conversation. No pressure, no obligation—just honest answers to your questions.
Let's Connect
Whether you're buying your first home, refinancing, or just exploring options, I'm here to help you make informed decisions.
Phone
678-896-6099Website
LoveMyMortgageBroker.loanService Area
State of Georgia
Licensed Mortgage Broker
LoveMyMortgageBroker LLC NMLS 2115277
Larry Combs NMLS#2038324
Equal Housing Opportunity Lender