Your GA Mortgage Expert. 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 Think Mortgage to provide clear, personal guidance and identify the most competitive program tailored to your qualifications and financial goals.
Why Borrowers Choose Don Bethune
At Think Mortgage, we believe lending should feel clear, honest, and human. Rather than pushing a one-size-fits-all loan, I take the time to understand your goals, explain every option clearly, and identify the most competitive financing solution for your situation. Clear communication, smart technology, and an experienced advocate in your corner every step of the way.
Tailored Loan Programs
I am not limited to a single rigid product. Through Think Mortgage, I evaluate your scenario to identify competitive options and the right program tailored to your goals.
Fast, Streamlined Underwriting
Think Mortgage pairs smart digital technology with personal guidance. That means proactive weekly updates, faster turn times, and same-day initial underwriting decisions 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 Georgia with deep market roots, backed by Think Mortgage's multi-state platform and full-service lending operations.
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 Think Mortgage because of their dedication to a clear, honest, and human lending experience, expansive program options, 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