Southern Equity Mortgage Services
A Georgia Mortgage Broker

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Monday, November 23, 2020

Need a rate quote?  Just click  "Contact Us" above and complete it ... to get a current quote with No obligation and NO SSN required !   We Guarantee are Closing Costs! 


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Contact us for a pre-qualifacation letter or an Estimate of Costs with the latest rates


Phone - 678-947-4204

Cell - 678-523-1021

Fax - 678-935-3987


A Georgia Residential Mortgage Licensee

GA License # 19880

NMLS # 151260

6820 Black Fox Lane, Cumming, GA  30040


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Monday, November 23, 2020


Georgia Residential Mortgage Broker
- low rates & low cost and fast close. 
- Call today for no obligation quote!! 678-523-1021



Market Update






The Federal Housing Finance Agency announced that it has directed mortgage investors Fannie Mae and Freddie Mac to temporarily suspend all foreclosures and evictions until at least mid-May.

The Department of Housing and Urban Development made a similar announcement, providing protection from foreclosure to FHA loan borrowers.

The FHFA’s announcement applies to anyone with a Fannie Mae- or Freddie Mac-backed, single-family mortgage loan.

“This foreclosure and eviction suspension allow homeowners with an Enterprise-backed mortgage to stay in their homes during this national emergency,” FHFA director Mark Calabria said in the news release.

Foreclosure sales and evictions will be halted until at least May 17, 2020.

Coronavirus Mortgage Relief

The FHFA statement also urged borrowers who are having difficulty keeping up with their mortgage payments due to the spread of COVID-19 to reach out to their mortgage servicers for assistance “as soon as possible.”

Available assistance includes the ability to temporarily reduce or delay mortgage payments for up to 12 months through a forbearance plan. During this period, borrowers in forbearance won’t incur penalties or late fees and won’t have past-due payments reported to the credit bureaus.

Additionally, Fannie and Freddie have directed servicers to work with borrowers to keep their payments manageable at the end of the forbearance period. This could include offering a loan modification to lower their monthly payments or keep them the same following the forbearance period.

For more information, visit the
Fannie Mae and Freddie Mac websites.

Additional Fannie And Freddie Changes

As the mortgage industry moves to meet the unique demands and challenges brought on by this situation, Fannie Mae and Freddie Mac will relax requirements for appraisals and employment verification to ensure that borrowers can still get mortgages during this time.

The relaxed appraisal requirements will allow appraisals to continue while reducing the need for appraisers to physically go inside homes. Alternatives to traditional appraisals could include desktop appraisals or exterior-only inspection appraisals, according to Fannie Mae.

For employment verification on Fannie- and Freddie-backed loans, lenders are permitted to obtain verification from an applicant’s employer via email or by using a recent year-to-date paystub or bank statement from the borrower in lieu of verbal verification of employment from the employer.







Southern Equity Mortgage Services, has been assisting clients with mortgage financing since 2005.  As the owner/operator - William Curis, I'm  committed to you the customer, from the start in providing accurate quotes to locking in the most competitive rate/cost and finally making sure the funds are there when you close the loan.  I'm available 24/7 so call/email or text me @ 678-523-1021.

Check out our Customer Testimonials link ... surveys customers fill out about our performance. 

Thanks so much for your business!!

Bill Curis   


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