To provide you with the best purchasing experience, Karen has partnered with Joe Beckford at Bulldog
Mortgage Company, Inc.  Whether you’re looking to buy your first home, that mountain or beach getaway
second home, or an investment property, Joe has a wide array of creative financing options.  Joe will take
the time to understand your individual situation and goals and offer you several options and
recommendations.  You’ll get the best program for your needs and will fully understand the program and
how it benefits you!

Approval Process
Joe goes beyond the standard qualification by offering free approvals.  You can have your approval letter in hand before
making an offer.  This significantly increases your negotiating power.  He never charges an application fee.

Convenience
Joe understands your time is valuable.  He can take your application information over the phone and is available seven days
a week and evenings.  He is also with you at the closing table to make sure there are no surprises.  For those clients who
prefer, he provides service for those who speak Spanish.

All Types of Properties
Joe has options for virtually any property.  He offers creative programs for primary residences, second homes, high and low-
rise condos, construction-perm loans and even land lots.  He offers the convenience of single-closing construction-perm
loans with your rate locked before construction even begins!

All Types of Borrowers
Everyone’s situation is unique.  Joe has several options for qualified borrowers with programs for:
  • Stable job / Self-employed / Retired / First-time homebuyer
  • Credit Issues, even bankruptcy
  • Full documentation
  • Stated income with and without asset verification
  • No income verification

All Types of Programs
What will best fit your needs?  Joe will provide you with financing options tailored to your situation.  Joe has everything from
a standard 30-year fixed rate loan to the new 1% start-payment option ARM and everything in between.  Qualified buyers
can choose from 1,3,5,7,10-year Adjustable Rate Mortgages (ARMs), fixed rate-loans, interest only options, great rates on
JUMBO loans, and more

100% Financing
Why take money out of your pocket if you don't have to?  With our 100% financing programs, you keep your money in your
pocket, even on investment properties.  Joe can see if you qualify today.
   Other programs are available.....Contact Joe today to find out how he can get you the right loan!


Financial Help
I am totally focused on
my client's needs, and I
work to realize their
dreams as if they were
my own.

Karen Azar
Atlanta Properties Group
678.294.9514
karen@karenazar.com
CONTACT ME NOW
"Karen was great...
this is a quote from a very happy client."
Ms. Amy Phillips
welcome to:
KarenAzar.com
Karen Azar