Your GA Mortgage Xpert. Low Rates. Fast Closings. Unmatched Service.
Whether you are buying your first home, tapping into your equity, or building a rental portfolio, I work with Xpert Home Lending to compare available wholesale lender options and help identify the most competitive program based on your qualifications and loan scenario.
Why Borrowers Choose Don Bethune
Most loan officers work for one lender and offer one rate sheet. I work as an independent mortgage broker, which means I shop your loan across 100s of wholesale lenders to find the best rate and program for your exact situation. More options. Better pricing. And someone in your corner fighting to get you the best deal possible for your unique situation.
Access to 100s of Lenders
I am not limited to one rate sheet. I shop your loan across the wholesale market to find the most competitive rate and the right program for your needs.
Same-Day Initial Underwriting
Xpert Home Lending is a UWM Top 10 national partner. That relationship means faster underwriting and same-day initial underwriting decisions may be available on eligible files, subject to lender review, documentation, and program requirements.
Decades of Experience
I have spent my career structuring deals, solving problems, and communicating clearly so nothing surprises you at the closing table.
Local Knowledge, Statewide Reach
Based in Cumming, Georgia with deep roots in the North Atlanta market. Licensed to serve borrowers across Georgia.
Loan Programs for Every Situation
From first purchase to investment portfolio, I have the right program for where you are going.
Conventional Loans
Fannie Mae and Freddie Mac programs with competitive rates for qualified borrowers.
FHA Loans
Low down payment options for first-time buyers and those rebuilding credit.
Jumbo Loans
Financing above conventional loan limits for higher-priced properties.
Non-QM Loans
Bank statement, asset-based, and flexible qualification programs for self-employed borrowers.
DSCR Investor Loans
Qualify based on rental income, not your personal tax returns. Built for real estate investors.
HELOC and Home Equity
Tap into your existing equity for renovations, investments, or financial flexibility.
My Specialties
Your Business is Thriving.
Your Mortgage Should Reflect That.
Traditional mortgages rely heavily on W-2s and tax returns, which don't always tell the full story for business owners, freelancers, and 1099 contractors. Our Self-Employed loan programs let you qualify based on your actual cash flow, not just your taxable net income.
Bank Statement Loans
Qualify using 12 or 24 months of personal or business bank statements instead of tax returns.
1099 Income Loans
Perfect for independent contractors and gig workers. Qualify using your 1099 earnings.
Flexible Qualifications
Designed specifically for entrepreneurs and business owners who maximize their tax deductions.
Build Your Portfolio Faster With the Right Financing.
DSCR loans, or Debt Service Coverage Ratio, let you qualify based on the rental income the property generates, not your personal tax returns or W-2s. That means no income verification headaches, no waiting on tax transcripts, and a much faster path to closing on your next investment property.
Whether you are buying your 1st rental or your 500th, I can structure financing that fits your investment strategy.
No W-2 Required
Qualify on rental income only. No personal income documentation needed.
1 to 4 Units or More
Single family rentals, small multifamily, and short-term rental properties.
Fast Closings
Streamlined process designed specifically for investors who need to move quickly.
Buying Your First Home Should Feel Exciting.
Not Overwhelming.
I work with a lot of first-time buyers and I know the process can feel intimidating. My job is to make it simple. We will start with a quick pre-approval to understand your buying power, walk through all your options including down payment assistance programs, and stay in constant communication so you always know where you stand.
You will never feel like a number. You will always know what is happening and why.
Free Pre-Approval
Get an estimate of your buying power based on the information you provide, subject to verification, underwriting, and lender approval. No cost, no obligation.
Program Matching
We compare FHA, conventional, and down payment assistance options to find the best fit for your income, credit, and goals.
Clear Communication
From application to closing, I keep you informed at every step so nothing surprises you.
Already Own Property? Put Your Equity to Work.
A HELOC gives you access to your existing home equity as a flexible line of credit. Use it to fund your next down payment, renovate a rental, or cover business expenses, without touching your primary mortgage.
A Career Based on Relationships & Trust
I've spent my career at the intersection of lending, deal-structuring, relationship-building, problem-solving, and helping people make some of the most important financial decisions of their lives.
My background includes running an independent mortgage branch, where I developed a deep understanding of the lending process from the inside out. Prior to that, I spent years helping community banks across America provide receivables lending solutions to their commercial customers. I understand business, I understand numbers, and I understand what it means to have someone in your corner who actually picks up the phone.
I joined Xpert Home Lending because of their partnerships with 100s of America's top lenders, their reputation as a UWM Top 10 national broker partner, their competitive rate access, and a team culture that ALWAYS puts clients first.
Ready to Get Started?
Whether you are buying, refinancing, or investing, the first step is a quick conversation.
Get Pre-Approved
Takes about 10 minutes. Find out exactly what you qualify for before you start shopping.
Start Pre-ApprovalCalculate My Payment
Run a quick estimate on your monthly payment for any loan scenario.
Schedule a Call
Prefer to talk first? Book a quick 15-minute call and I will answer all your questions.
Book a Call