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Damien Russell - Branch Manager NMLS #296972

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Atlanta, GA
Damien Russell - Branch Manager NMLS #296972

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3455 Peachtree Rd NE, 5th Floor, Atlanta GA 30326
470.226.3142 | [email protected]
Branch Licensed in AL, CA, GA, FL

PRMG NMLS 75243
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11/03/2026

Think your credit score isn't good enough to buy a home?

There are a lot of myths about credit, and believing them could keep you from feeling confident about your homeownership goals.

Here are four common misconceptions:

✔ Paying on time is important, but it's not the only factor that affects your credit score.
✔ Closing old credit cards isn't always the best move.
✔ Checking your own credit score generally won't hurt it.
✔ Opening new credit accounts may not help if you're getting ready to buy a home.

The more you understand how credit works, the more prepared you'll be when it's time to start your homebuying journey.

Save this post for future reference.
Share it with someone who's working on their credit.

Credit Score | Credit Score Myths | Improve Credit Score | Credit Tips | Credit Utilization | Credit History | Credit Report | Soft Credit Inquiry | Hard Credit Inquiry | Personal Finance | Financial Wellness | Home Buying Tips | First-Time Homebuyer | Mortgage Preparation | Credit Education | Homeownership | Mortgage Tips | Buying a Home | PRMG | Credit Health

11/02/2026

🏡🔑 CLOSED 10/29!

Not every closing is easy, but every closing is worth fighting for!

This one came with challenges, but I'm grateful we were able to get it across the finish line.

I'm especially proud to help our hardworking blue-collar professionals achieve the dream of homeownership. 💪🏽

Everyone deserves an opportunity at homeownership!

Thinking about buying a home but unsure where to start? Let's talk! There may be more options available than you realize.

📲 Reach out to me today!

| PRMG | Keller Williams First Atlanta

10/31/2026

Happy Halloween #2026!

https://myoc.io/drussell
https://damienrussell.kw.com
www.themortgagepioneer.com

10/29/2026

If you're thinking about buying a home, you've probably heard the phrase "Get pre-approved."

But what does that actually mean?

A pre-approval is designed to give you a better understanding of what you may qualify for based on your financial information. It's a helpful way to begin your home buying journey with more clarity and confidence.

Just remember: your pre-approval amount isn't necessarily your budget.

The right home is one that fits your financial goals, your monthly expenses, and the lifestyle you want to maintain.

Every home buying journey is different, but understanding the basics can help you make informed decisions along the way.

Save this lesson for future reference.
Share it with someone who's planning to buy a home.

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10/27/2026

2020 and 2026 are two VERY different homebuying environments.

Rates. Buyer age. Down payments. Competition. Inventory.

A lot has changed.

But that doesn't mean you should compare today's market to what buyers experienced six years ago.

Different market. Different strategy. Same goal: homeownership.

2020 vs 2026 | housing market | mortgage rates | first time homebuyer | home buying trends

10/23/2026

🏡 JUST CLOSED! | SOUTH FULTON, ATLANTA 🎉

Another beautiful home SOLD for $500K+!

Congratulations on this exciting milestone! 🔑🥂

📍 South Fulton, Atlanta, GA
💰 $500K+
📅 Closed October 19, 2026
Keller Williams First Atlanta Realty - Realtor
Paramount Residential Mortgage Group - Lender

Here's to new beginnings, new memories, and making homeownership dreams a reality!

www.themortgagepioneer.com

10/22/2026

🎬🎶 KW First Atlanta Career Night Event Recap!

I had a great night speaking with individuals about expanding their career in real estate.

Thanks for the invite KWFA!!

www.themortgagepioneer.com

10/22/2026

Let's talk closing costs. 💸

One of the biggest surprises for many home buyers isn't the down payment, it's the additional costs that come with completing the purchase.

The good news? Closing costs aren't random fees that appear out of nowhere. They're a collection of expenses associated with completing the transaction and transferring ownership.

Depending on the purchase, closing costs may include:

✔ Financing-related fees
✔ Appraisal and credit report fees
✔ Title services and title insurance
✔ Recording fees and transfer taxes
✔ Homeowners insurance premiums
✔ Property taxes
✔ Prepaid interest and escrow account setup

Many buyers assume all closing costs are paid to one company, but that's rarely the case. These expenses are often paid to multiple parties involved in helping complete and protect the transaction.

Understanding what makes up closing costs can help you prepare, ask better questions, and feel more confident throughout your home buying journey.

SAVE this for your future home search.
SHARE this with someone planning to buy a home.
FOLLOW for practical home buying education and real estate insights.

Closing Costs | Home Buying Tips | First Time Homebuyer | Homeownership | Home Purchase | Home Buying Process | Real Estate Education | Buyer Education | Housing Market | Property Ownership | Closing Day | Escrow Account | Property Taxes | Homeowners Insurance | Title Insurance | Appraisal | Home Buyer Guide | Financial Preparation | Real Estate Tips | Homeownership Journey

10/20/2026

We’ve watched buyers wait YEARS to save 20% down. 👀 Here’s what we wish more people knew sooner.

The “20% rule" isn’t really a rule. It’s outdated advice from a mortgage landscape that looks very different today.

• “I need 20% down to buy”
• “Anything less means I can’t afford it”
• “I have to wait until I’ve saved $80,000”

That’s not how it works anymore... Many conventional loan programs allow as little as 3% down for qualified buyers. FHA can go as low as 3.5%, and VA and USDA loans can offer 0% down options for those who qualify.

Here’s the math most people don’t run:

On a $400,000 home, 20% down is $80,000 out of pocket.
At 3% down, that’s $12,000.

That’s nearly $68,000 that could stay in your pocket for savings, repairs, moving costs, or simply having a financial cushion.

But here’s the piece that often gets overlooked:
Putting every dollar you have into a down payment can leave you feeling stretched on day one, without much room for unexpected expenses or life changes.

The buyers building long-term stability aren’t always the ones who put 20% down. They’re the ones who kept some flexibility and reserves for what comes next.

HIT FOLLOW for simple, real-world homebuying education

Loan program availability and qualification requirements vary. Contact a licensed mortgage professional to understand what options may be available for your specific situation.

Down Payment | First Time Buyer | First Time Homebuyer | Mortgage Education | Home Buying Tips | Real Estate Tips | FHA Loan | Conventional Loan | VA Loan | USDA Loan | Home Loan Options | Mortgage Advice | Housing Market | Home Affordability | Saving For A Home | Buying A House | Homeownership Journey | Real Estate Education | Mortgage Tips | Home Buying Process

10/15/2026

You bought the home...now what? 🏡

Owning a home doesn't stop at making your monthly mortgage payment.

There are a few simple habits that can help you stay informed, protect your investment, and potentially save money over time.

Here are five worth adding to your annual checklist:

✔ Round up your mortgage payment when possible.
✔ Review your homeowners insurance each year.
✔ Check your property tax assessment.
✔ Learn when you may be eligible to remove PMI.
✔ Schedule a yearly home finance check-in.

You don't have to do everything at once. Even one small step today can make a difference over time.

Save this post so you have this checklist when you need it.
Share it with a homeowner who may find these tips helpful.

Homeowner Tips | Homeownership | Mortgage Tips | Mortgage Payoff | Principal Payments | Homeowners Insurance | Property Tax Assessment | PMI Removal | Private Mortgage Insurance | Home Equity | Home Finance | Financial Wellness | Home Maintenance | Real Estate Education | Homeowner Checklist | Build Home Equity | Personal Finance | Mortgage Education | PRMG | Homeownership Tips

Address

3500 Lenox Road, Suite 1500, Office 24
Atlanta, GA
30326

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

http://drussell.myprmg.net/

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