Meet Mike Graves

How I help borrowers

I’m Mike Graves, a Senior Loan Officer with Neighborhood Mortgage, Inc. I work with buyers, homeowners, and investors across metro Atlanta. I start by asking what you’re trying to accomplish, what you can comfortably afford, and where you need a clearer answer. Then we compare the options and talk through what each one would require.

I help with home purchases, refinances, construction, and investment properties. Depending on the situation, we might compare conventional, FHA, VA, or USDA financing, or look at specialty options such as bank statement, profit-and-loss, DSCR, or asset-based loans.

Why condos became a specialty

You can find the right condo, agree on a price, and have your credit, income, and down payment in order. The inspection and appraisal can go smoothly, too. Then a question about the condo community’s master insurance, association reserves, or a special assessment can delay closing or change which loan options are available. That’s why we made condo financing a specialty. I help buyers and agents raise those questions early, while there’s time to get answers from the association and understand what the lender still needs.

Through Mortgage Consult’s condo financing work, I help buyers understand what their lender may need to review. Our separate company, Condo Consult, helps associations understand and address issues that can affect eligibility under Fannie Mae’s condo project standards. The lender makes the financing decision.

Outside of work, I enjoy spending time with my wife, Hilary, and our two boys.