MORTGAGES MADE EASY
1-855-ELEMENT TheDeAnnEllisTeam.com
Servicing Georgia, Florida, South Carolina, Alabama, & Tennessee
Meet DeAnn Ellis Davidson
DeAnn has been a trusted name in mortgage lending since 1992, known for her integrity, expertise, and commitment to service. She leads one of the most respected teams in the region and has consistently ranked in the Top 1% of Mortgage Originators nationwide, recognized by Mortgage Executive Magazine and Scotsman Guide. A member of the Element Home Loans President’s Club since 2015, DeAnn has also been featured on the covers of Top Agent Magazine and Featured Agent Magazine, and was named to Who’s Who in America. Beyond her production, DeAnn is a passionate educator and mentor. As a certified instructor with Live Gigantic Real Estate School, she developed her own mortgage courses for agents, co-authored the Amazon best-seller Mortgage Storm, and received the Expert Network’s Distinguished Mortgage Professional Award. DeAnn stays actively involved in her community through the Greater Atlanta Homebuilders Association, local Chambers of Commerce, REALTOR® boards, and nonprofits like Team Up Mentoring and the Humane Society of Walton County. She also serves on the board of Discover Covington and is a proud Leadership Walton graduate. Family is at the heart of all she does. DeAnn is a dedicated wife, mother, and stepmother. She is married to Jamie Davidson and is the proud mom of two daughters: Kayla, a loan officer on her team, and Haley, the owner of Worthy Clothing Co., a boutique located on the Square in Covington. She also has two stepchildren. Dakota, a student at Catawba Community College, and Ciara, who attends UNC Chapel Hill. Whether serving clients, mentoring agents, or supporting her family, DeAnn brings heart, vision, and a personal touch to everything she does.
About Element Home Loans a division of NFM Lending. NFM is a nationwide lender. Combined with Element Home Loans the combination provides customers with cost benefits, purchasing power and financial stability. Element Home Loans is one of the Southeast’s fastest growing mortgage lenders. As a well-capitalized, full-service mortgage banker, Element Home Loans offers conventional, VA, FHA, USDA and other mortgage products to best fit your needs. Element Home Loans works with top builders and agents throughout the greater southern United States and assists customers by providing fast approvals, competitive rates and a smooth home financing experience.
Through Element Home Loans, we offer trust and integrity. Rely on us.
Core Values
Integrity in the loan process Innovation in products, programs and services Support for our partners Caring for the communities we serve Exceptional customer service
The Difference We offer you a skilled team of mortgage experts. Upfront underwriting within 48 hours of loan submission Processing and closing within the branch Operations team together for more than 20 years Fast closings Great rates Your Satisfaction Built upon trust, commitment and dependability, we are dedicated to creating an enduring relationship with you and meeting your needs. As your partner in home financing, your ultimate satisfaction is very important to us.
The DeAnn Ellis Team INTRODUCING
Morgan Stevens NMLS#1802854 GRMA#1802854 MORTGAGE CONSULTANT
Pamela Ball
NMLS#275166 GRMA#27084 MORTGAGE CONSULTANT
Nick Stanford NMLS#1729544 GRMA#1729544 MORTGAGE CONSULTANT
Kayla Ellis NMLS#1729544 GRMA#1729544 MORTGAGE CONSULTANT
Zach Clegg LOAN ASSISTANT
Britney Clawson MARKETING DIRECTOR
The Power Behind Your Purchase
>99% LOAN FALLOUT RATE IS <1% CLOSE RATE
3,600+ LOANS CLOSED 2016-2025
20 AVG. DAYS TO CLOSE
No matter where you are on your homeownership journey, whether you're buying your first home, upgrading to your forever home, or expanding your real estate portfolio, the DeAnn Ellis Team at Element Home Loans is here to guide you. With nearly 75 years of combined mortgage experience, we bring the knowledge and care needed to navigate every step of the process.
We’re committed to closing the loan that:
$900+ MILLION CLOSED VOLUME FROM 2016-2025
Fits your financial goals
Closes on time
Comes with personalized guidance and care
no matter how simple or complex your situation.
Recognized by Mortgage Executive Magazine, DeAnn Ellis ranks among the top 1% of mortgage originators nationwide; An elite group known for exceptional production, trusted expertise, and a commitment to delivering outstanding client experiences. With a proven track record and decades of industry knowledge, DeAnn and her team are here to help you close with confidence.
Loan Products From application to closing, our team provides full-service lending support, fast underwriting, consistent updates, and a broad range of loan options—designed to help you match every client with the ideal financing solution.
Conventional The most common type of home loan. Ideal for buyers with good credit and a stable income. These loans typically offer low rates and several down payment options. FHA A great option for first-time or lower-credit buyers. Backed by the government, this loan allows for a low down payment (as little as 3.5%) and flexible credit requirements. Veterans Assistance For veterans, active-duty service members, and some military spouses. Offers 100% financing, no mortgage insurance, and flexible credit requirements. Choice A flexible loan option for borrowers who may not fit traditional guidelines. Good for unique situations or less-than-perfect credit. Refinance Already own a home? Refinancing means replacing your current loan with a new one— often to get a lower rate, reduce your monthly payment, or take cash out for renovations or other needs. USDA Designed for buyers in rural areas. Offers 100% financing (no down payment) and low interest rates for eligible properties and incomes. Medical Professional Special loan programs created for doctors, dentists, and other licensed healthcare providers, often with low down payments, no mortgage insurance, and flexible guidelines.
Adjustable Rate Mortgage (ARM) This loan starts with a lower interest rate that stays fixed for a few years, then adjusts with the market. Good for buyers who plan to move or refinance before the rate changes. Jumbo For higher-priced homes that exceed standard loan limits. Designed for buyers who need to borrow more than the average loan allows. Renovation Loan Buy and fix up a home with one loan! These cover both the purchase price and renovation costs, perfect for homes that need a little TLC. Alt. Portfolio These are custom loans for buyers who don’t fit traditional lending boxes—like self-employed borrowers, investors, or those with unique income or credit situations. Bank statements or asset balances may be used instead of tax returns.
VA
Fixed Rate Two-Year Buydown
Investor Loan Want to buy a rental property? These loans are built for investors and include programs that focus on the property’s income rather than the buyer’s personal income.
Scan Here to view our portfolio of loan program flyers.
Marketing Resources We’re committed to helping you grow your business with strategic marketing solutions.
Broker & Realtor Relationships
Custom Property Websites – Personalized digital showcases with professional images, property details, and financing options to engage potential buyers.
Open House Support – Custom brochures and potential lender credit opportunities
Realtor Marketing – Co-branded mortgage flyers to educate buyers while reinforcing your expertise and credibility.
Printable Checklists – Includes resources like "Closing Costs Explained" and a "Don’t Do List to Prevent Loan Delays" to help guide your clients.
Broker Sales Meeting Sponsorships / Lunch and Learn – Sponsorships for team meetings and educational events to keep agents informed on the latest mortgage updates.
CE Classes – State-approved continuing education courses to keep agents compliant and up to date on industry standards.
*Reach out to our Marketing Director, Britney Clawson for Partnership information
Application Checklist DOCUMENTS YOU NEED TO APPLY
ALL BORROWERS: We have an automated 3rd party verification system for an easier loan process. Employment and bank statement verifications are generated automatically.
W-2’s for last two years Most current paycheck stubs for last two years Checking and Savings account statements to include all pages even if blank (last 2 months) Quarterly or semi-annual statements for checking, savings, IRA’s, CD’s, money market funds, stocks, 401K, profit sharing etc. Copy of fully executed sales contract Employment history for last two years Residency history for last two years complete with landlord or mortgage company contact information
Canceled earnest money check when it clears Social security card and driver’s license for all borrowers and non-purchasing spouse Tax returns from the past two years Copy of Note, Deed of Trust, Settlement Statement, and Survey if refinancing. Any assets used for down payment, closing cost, cash reserves, and large deposits must be documented by a paper trail. Copies of sold properties if paid off mortgage in the last two years.
SELF EMPLOYED BORROWERS:
DOCUMENTS FOR VA LOANS:
Copies of most recent 2 years tax returns with all schedules including K-I’s if applicable Current profit, lost statement, and balance sheet Copy of corporate/partnership tax returns for most recent 2-year period if owning 25% or more of company-copies of W-2’s and/or 1099 forms
Original Certificate of Eligibility and copy of DD214 Certificate of Release or Discharge from Active Duty Name and address of nearest living relative
MISC. REQUIRED DOCUMENTS
Agreement if financed by employer, i.e. buyout agreement plus documentation outlining company, and paid closing costs benefits Previous bankruptcy, need copies of petition for bankruptcy and discharge, including supporting schedule
Divorce Decree signed by judge if applicable Documentation supporting moneys received from social security/retirement trust income, i.e. direct deposit bank statements, awards letter, evidence of income
The Mortgage Process
PRE-APPROVAL Start strong! We review your credit, income, and financial details to provide a pre-approval letter. This helps you understand how much home you can afford, so you can shop confidently. DOCUMENTATION We’ll guide you on what paperwork to provide (like pay stubs, bank statements, and tax returns). With your pre-approval in hand, you’re ready to start the home search. Your real estate agent will help you find the right property and negotiate the price and terms of the sale. Our team will then guide you through every detail to keep the financing process smooth and stress-free. YOUR HOME SEARCH INSPECTION AND APPRAISAL Lenders require an appraisal and may require certain inspections on all home sales. By knowing the true value of the home, the borrower is protected from overpaying. During this time, a title examination is also performed to determine whether any liens exist on the property’s previous owners LOAN DECISION Our team processes your file and submits it to underwriting for final review. We work quickly and thoroughly to get you that “clear to close.” WEEKLY UPDATES Your Loan Officer will provide a weekly status update to you and everyone involved in the transaction, keeping all parties on the same page from contract to close. We also send additional updates at key milestones, but our weekly check-ins ensure nothing gets missed and everyone knows what to expect throughout the process. CLOSING You’ll review and sign your final loan documents, pay closing costs, and get the keys to your new home. It’s time to celebrate!
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Borrower Reviews “We’re invested in our customers and in each and every loan to ensure a successful close. Our extensive experience and knowledge helps ensure you avoid unexpected problems that can stall or end in a last- minute denial of your loan and the loss of your dream home.”
- DeAnn Ellis Davidson
I just wanted to say it was an absolute pleasure working with you and your team. Every single one of you team members are the absolute BEST. Knowledgeable, professional, respectful and so so patient with all the questions I had. Everyone was extremely responsive with all the communication and I can’t even express our gratitude with the smooth and timely closing we had. I will not only refer your team to one client, but everyone I come across who is EVER planning to buy a house. That’s how awesome you and your team are! Thank you for helping us purchase our Dream home! Krisztina W.
I have purchased three houses so far in my lifetime and, I have to say, this was the smoothest and easiest one yet! The team at Element Home Loans made this a much more enjoyable process than normal. I look forward to always using them in the future! Colby M.
They went above and beyond to help us get the house we wanted and are miracle workers for sure! We were turned down by other companies, but they were able to make it work. It was a long process for sure, but throughout the entire process, they stayed by our side and assured us the whole way. I will forever and always use Element Home Loans from here out. I have also told anyone that I know, or have met who is in the house buying process, to give them a chance. Words can never express how grateful we are to have been able to work with this company and how wonderful they are!! Chris W.
Don’t Do List
DON’T make large non-payroll deposits without checking with your Loan Originator first. DON’T open a different bank account during the loan process. DON’T change jobs, become self-employed, or quit your job, even temporarily. DON’T take unpaid time off during the process, as lenders verify employment stability. DON’T spend the money you’ve set aside for closing on anything else. DON’T use credit cards excessively, let your accounts fall behind, or increase your credit limits. DON’T apply for new credit accounts of any kind until after you close. DON’T buy furniture, appliances, or other large purchases before closing. Protect your loan approval by avoiding these common financial missteps. Staying financially steady is one of the most important things you can do to ensure a smooth closing day.
DON’T buy a vehicle until after your loan has funded.
DON’T co-sign a loan for anyone, even if it’s temporary, it can affect your own loan approval.
Questions FREQUENTLY ASKED
What is the difference between pre-qualified and pre-approved? When a homebuyer is pre-qualified, they have provided the lender with the basic information to determine which loan program the homebuyer may qualify for. When a homebuyer is pre-approved, the lender has collected, verified and presented the information needed for underwriting and approval. In today’s competitive real estate market, most agents want to know with confidence that you are pre-approved. What determines my interest rate and should I lock it in? Rates are based on a variety of factors such as the loan purpose, your credit history and ability to repay the loan, the value of the collateral, and the loan amount. Locking your rate means that the lender is agreeing to provide you with your mortgage at your determined interest rate, ensuring it won’t go up (or down) between the time you lock it and the time that you close on your home. If your mortgage is fixed-rate, your interest rate will remain the same throughout the life of the loan. Mortgage interest rates fluctuate constantly, and you don’t want to start shopping for a house operating under a certain interest rate assumption, only to be unpleasantly surprised that interest rates have risen during your house hunt. What are the closing costs? Closing costs include items like appraisal fees, title insurance fees, attorney fees, pre-paid interest and documentation fees. These items are usually different for each customer due to differences in the type of mortgage, the property location and other factors. You will receive a good faith estimate of your closing costs in advance of your closing date for your review. Which amounts are included in my monthly payments? If you have a fully amortizing mortgage, portions of your monthly mortgage payment go toward loan principal and interest. Interest-only mortgage payments include only the interest that is due on the outstanding principal balance. If your mortgage carries mortgage insurance, a portion of your monthly mortgage payment will pay this also, unless the lender has paid your mortgage insurance or you have paid your mortgage insurance upfront. If you have set up an escrow account for your mortgage, then portions also go toward your property taxes and homeowners insurance. What is an escrow account and how does it work? An escrow account is set up by your lender to cover expenses like property taxes and homeowner’s insurance. A portion of these annual costs is added to your monthly mortgage payment, making it easier to budget and avoiding large lump-sum bills. The lender collects and manages the funds, paying the bills when they’re due. Escrow accounts are required for some loan types.
INDUSTRY Partners
HOME INSURANCE
HOME WARRENTY
(678) 410-0795 JenniferB@achosahw.com ACHOSA Home Warranty, Jennifer Bowen
State Farm, Todd Shambo (770) 922-2084 todd.shambo.gsb7@statefarm.com Country Financial, Brandon Pipkin Voice: (706) 705-4344 Text: (478) 230-0747 Brandon.Pipkin@CountryFinancial.com Alfa Insurance, Doug Blevins (770) 599-5145 dblevins2@alfains.com
HOME INSPECTION
Peaks and Gables Inspection, Jason Vaughn (770) 866-8309 peaksandgables@gmail.com
PEST CONTROL Bigham Pest Control, Jason Bigham
(678) 839-9871
binghampest.com
GENERAL SERVICES
More than Blinds, Christy Bass (706) 850-1596 cbass@morethanblindsofga.com morethanblindsofga.com
Storage of Monroe, Charles Preston (706) 207-8111 storageofmonroe@gmail.com storageofmonroe.com
Big Backs Hauling Services, Dezmond Campbell (706) 664-4752
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