Because he feels a human touch is the essential ingredient of a successful home purchase, Jeff is all about personalized service. Since 1997, he’s been working with clients from all walks of life—especially veterans—to get the financing they need for the home they want. He is knowledgeable in the guidelines for all types of loans—conventional, FHA, USDA and VA. For clients who want someone who provides expert, individualized education and service, and will help them close their loan quickly and at the best rate, Jeff is the person to have by their side. In his spare time, he volunteers with Habitat for Humanity and enjoys playing golf.

Originating Manager

Jeff Bayer is your Johns Creek local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeff is committed to helping homeowners with home purchase loans and refinances. Contact Jeff at (678) 528-4909 for more information!

Jeff Bayer at Guaranteed Rate Affinity (NMLS #379963)

Don knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Don’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Don also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

VP of Mortgage Lending

Don Thelen is your Cumming local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Don is committed to helping homeowners with home purchase loans and refinances. Contact Don at (407) 204-7720 for more information!

Don Thelen at Guaranteed Rate Affinity (NMLS #659064)

Helping first-time homebuyers and Non-QM in Atlanta, Augusta, and Warner Robins, GA buy homes with confidence, without the stress.
Hi, I’m Fred Curry, a mortgage loan officer based in Cumming, GA, helping over 200 clients navigate the home financing process with clarity and confidence for 6 years.
I specialize in working with first-time homebuyers and Non-QM borrowers across Atlanta, GA, Augusta, GA, and Warner Robins, GA offering tailored loan solutions and a smooth, transparent experience from start to finish.

Whether you're:
- Buying your first home 
- Exploring refinancing options 
- Looking into programs like Non-QM, Down Payment Assistance options, or Buy Before You Sell
I’ll walk you through your options and help you choose the right strategy—not just the easiest one.

What sets me apart:
- I am more of a consultant to both the client and referral partner
- Clear, honest communication—no surprises 
- I care for each individual client and their needs
- I provide a clear plan and fast responses

Do you need 20% down to buy a home?
No—many buyers qualify with as little as 3–5% down depending on the loan program.
What credit score do you need?
It varies, but there are options available even if your credit isn’t perfect.
How much home can you afford?
That depends on your income, debt, and goals—I’ll help you break it down clearly.
 
I’ve helped clients throughout Atlanta, GA, Augusta, GA, and Warner Robins, GA secure financing for homes ranging from all prices and property types and I’m proud to be a trusted resource for both buyers and local real estate agents. I am also a proud member of the Alpha Phi Alpha Fraternity, Inc.

Check out my client reviews below to see what it’s like to work together.
I believe this business is about relationships—and being someone people can rely on long after closing.
If you’re thinking about buying, refinancing, or just want to explore your options, let’s connect.

Helping first-time homebuyers and Non-QM in Atlanta, Augusta, and Warner Robins, Georgia buy homes with confidence, without the stress.


Hi, I'm Fred Curry, a mortgage loan officer based in Cumming, GA, helping over 200 clients navigate the home financing process with clarity and confidence for 6 years.  
I specialize in working with first-time homebuyers and Non-QM borrowers across Atlanta, GA, Augusta, GA, and Warner Robins, GA offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like Non-QM, Down Payment Assistance options, or Buy Before You Sell  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- I am more of a consultant to both the client and referral partner  
- Clear, honest communication—no surprises  
- I care for each individual client and their needs  
- I provide a clear plan and fast responses


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.  
How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout Atlanta, GA, Augusta, GA, and Warner Robins, GA secure financing for homes ranging from all prices and property types and I'm proud to be a trusted resource for both buyers and local real estate agents. I am also a proud member of the Alpha Phi Alpha Fraternity, Inc.


Check out my client reviews below to see what it's like to work together.


I believe this business is about relationships—and being someone people can rely on long after closing.  
If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Fred Curry is your Cumming  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Fred is committed to helping homeowners with home purchase loans and refinances. Contact Fred at (770) 790-6434 for more information!

Fred Curry at Guaranteed Rate Affinity (NMLS #1903942)

Guaranteed Rate Affinity

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