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A High Powered Mortgage Company…With a HomeTown Feel ^TM

The Element Difference

15+

Years Serving Customers

38,000+

Homebuyers Helped

8.5+

billion in home loans

Home Buying Made Easy

National lender. Local loan originators.

Apply Online
Get approved
Close your loan

Apply online

Our focus on technology bridges the gap between online and in-touch. Complete all loan application steps electronically from your preferred location, compliantly and securely.

Get approved

Our innovative technology simplifies document collection and eliminates paper processing. The Underwriter grants approval, a clear-to-close is processed and the settlement date can be scheduled.

Close your loan

Review the final loan document. Ask questions. Sign most of the documents electronically. Enjoy your new home!

Get Started Now!

The Reviews are in..

5 out of 5

Experience.com Star Rating

Working with Ray and his team was exceptional. The level and speed of communication were first class. They answered all questions promptly and were always available with advice and guidance. They explained in layman terms each step of the process and communicated clearly what information was needed and what to do to make the loan process run smoothly. I can only highly recommend Ray and Element Home Loans.

Matthias Liebich
Peachtree City, GA

5 out of 5

Experience.com Star Rating

Susie and her entire team made the process smooth as could be. Excellent communication and follow-through

David Stille
Orlando, FL

5 out of 5

Experience.com Star Rating

Working with Darrell was a great experience. This is our 3rd time using him and he is just the best in the business. Knowledgable, proactive, responsive and professional. We would recommend Darrell to anyone we know looking to buy or refinance.

Brittney Anne Gruber
Jefferson, GA

5 out of 5

Experience.com Star Rating

Brent did a great job working with my first time homebuyer clients. He advised in their best interest, offered great advice and was an excellent communicator throughout the process. We had a smooth experience with Brent!

Jack Mahoney
Portland, TN

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The Element Difference

Home Buying Made Easy

The Reviews are in..

5 out of 5

5 out of 5

5 out of 5

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Element C.A.R.E.S.