Sherry Von Klitzing - Real Estate

09/18/2026

How Extra Payments Can Save You Thousands in Interest?

Did you know making extra payments toward your mortgage could help you reduce the total interest you pay over the life of your loan?

Even adding a little extra to your principal each month can help you build equity faster and potentially shorten your loan term. Before making additional payments, it’s important to understand your loan terms and how extra payments are applied.

An experienced Mortgage Consultant or Mortgage Broker can help you review your mortgage strategy, understand your options, and determine whether making extra principal payments makes sense for your financial goals.

If you’re a homeowner or planning to buy in Roswell, Dunwoody, or Sandy Springs, Sherry von Klitzing, NMLS #1004049, with Barrett Financial Group, NMLS #181106, can help you explore your mortgage options.

09/17/2026

Ways to Avoid PMI (Private Mortgage Insurance)

Want to buy a home without adding PMI to your monthly mortgage payment? Depending on your loan and financial situation, there are several strategies to consider.

A larger down payment may help you avoid PMI on certain conventional loans. You can also explore different loan programs or compare financing options with an experienced Mortgage Consultant.

Working with a knowledgeable Mortgage Broker, Mortgage Lender, or Loan Officer can help you understand the requirements and find an option that fits your goals.

If you're considering an FHA loan, an experienced FHA Loan Officer can also explain how mortgage insurance works with that program.

Whether you're buying in Roswell, Dunwoody, or Sandy Springs, getting the right guidance early can help you make a more informed mortgage decision.

09/15/2026

Buyers Are Hesitating. Here’s How to Keep Deals Moving -

What this week’s housing and rate news means for your buyer and seller conversations.

09/09/2026

Wills Overlook in Alpharetta Update

09/07/2026

Happy Labor Day from Exclusive Mortgage Options! 🎉🏡

Today we celebrate YOU.

Every worker. Every business owner. Every hustler building something greater than themselves — one hard day at a time.
As a local mortgage advisor serving Roswell, Alpharetta, Sandy Springs, Dunwoody and the entire Atlanta GA metro area — we hope today brings you rest, gratitude and a moment to reflect on how far your hard work has already taken you.

And if homeownership is the next chapter of that journey — we hope this is the year it happens for you. 🔑

Wishing you and your family a wonderful Labor Day from all of us at Exclusive Mortgage Options. 💪

📞Call Now to book your free consultation today.
Sherry von Klitzing | NMLS #1004049 | Barrett Financial Group NMLS #181106

Licensed in GA, AL, FL, NC & CA |
Equal Housing Opportunity. Not a commitment to lend.

08/31/2026

Can I get a mortgage right after starting a new job? Here is the answer.

This is one of the most common questions buyers across Roswell, Alpharetta, Sandy Springs and Dunwoody ask before applying.

And the answer is — it depends on your situation.

Here is what lenders actually look at 👇

✅ Same industry, new employer — most lenders are comfortable with this. Continuity of career matters more than how long you have been at your current job.
✅ Promotion or salary increase — moving to a better position actually strengthens your application.
✅ Offer letter accepted — some lenders approve mortgages based on a signed offer letter before you even start.

⚠️ Completely new industry — this requires more documentation but options still exist.
Every situation is different. That is exactly why talking to a local mortgage advisor before applying saves you time, stress and unnecessary denials.
Free consultation. No pressure. No obligation. 🔑

📞 Call Now (470) 588-4400
Or Search "Exclusive Mortgage Options" to book online today.

08/26/2026

What happens if my loan gets denied? It is not the end. 🏡

A bank denial feels devastating.
But here is the truth nobody tells you, A bank denial is not a final answer. It is just ONE lender's answer. And one lender is not the whole market. 👇

Most buyers who get denied by a bank get approved through the right . Here is why Banks only offer THEIR products If you do not fit their one box — you get a denial letter and a handshake.

✅ A mortgage advisor shops multiple lenders Instead of one option you get multiple lenders whose guidelines actually match YOUR situation.

Got denied? Do this immediately 👇
📋 Request your denial letter — it tells you exactly why
🔍 Identify the specific reason — every problem has a solution

Call a local mortgage advisor — not another bank Whether it was your credit score, income type, debt ratio or employment situation — there is almost always a path forward in and when you talk to the right person.
Wrong lender. Not the wrong buyer.

📞 Call now at (470) 588-4400 to book free today.
NMLS #1004049 |
Equal Housing Opportunity | Not a commitment to lend.

08/24/2026

Can I buy a home with student loan debt?

Student loan debt does not disqualify you from buying a home in or .

But how lenders calculate it matters more than the balance itself. 👇
Here is what actually counts

📊 Your monthly payment amount is not your total balance.
✅ Income-based repayment plans Lower your debt-to-income ratio significantly.
💰 A stronger down payment offsets existing debt.
🏦 The right loan program makes all the difference
Millions of people buy homes every year, carrying student loans. The key is structuring your application correctly from day one.

That is exactly what a local does for you.
Do not let student debt keep you renting. 🔑

📞 (470) 588-4400 Search "Exclusive Mortgage Options" to book free today.

NMLS #1004049 |
Equal Housing Opportunity | Not a commitment to lend.

08/20/2026

What is the difference between pre-qualified and pre-approved? This one matters more than you think.

Most buyers in use these two terms interchangeably.
They are not the same thing. And mixing them up could cost you your dream home.

🟡 Pre-Qualified
A quick estimate based on basic information you provide — income, debts, and assets. No documents verified. No credit check. Takes about 10 minutes and means very little to a serious seller.

🟢 Pre-Approved
A full review of your financial documents, credit history, and income verification by an actual lender. This is a real commitment that tells sellers you are serious, financially capable, and ready to close.

Here is the truth In a competitive market like and , a pre-qualification gets your offer ignored. A pre-approval gets it accepted.
Sellers choose buyers who are ready.

A strong pre-approval letter from a trusted makes you that buyer. 🔑

📞 Call Now (470) 588-4400 to book your FREE consultation today.