# Adam Buice

> Your home. Your terms. Let's close.

## Pages
- [Contact](https://adambuice.com/contact/): Contact Adam Buice, a mortgage loan officer in Cumming, GA. Call (404) 416-6380 or email to start your loan.
- [Start Here](https://adambuice.com/about/): How Adam Buice went from a 10-year commercial banking career to residential mortgage lending in Cumming, Georgia.
- [Now: What I'm Working On](https://adambuice.com/now/): What Adam Buice is focused on right now: helping Georgia buyers secure financing, writing about the housing market, and time with family.
- [Georgia Real Estate Market: What Buyers Need to Know](https://adambuice.com/georgia-real-estate-market/): Adam Buice's running overview of the Georgia real estate market — where mortgage rates stand, what's driving them, and what it means for buyers.
- [Atlanta Mortgage Lender](https://adambuice.com/atlanta-mortgage-lender/): Adam Buice is an Atlanta-area mortgage loan officer, helping buyers finance homes from first purchase to refinance.
- [Forsyth County Home Loans](https://adambuice.com/forsyth-county-home-loans/): Forsyth County, GA mortgage lender Adam Buice (NMLS #1619090). Cumming-based, every loan from FHA to jumbo to DSCR. Call (404) 416-6380.
- [North Georgia Mortgage Services](https://adambuice.com/north-georgia-mortgage-services/): Adam Buice provides mortgage lending across North Georgia — Forsyth, Cherokee, Dawson, Hall, Gwinnett, and Fulton counties — from his Cumming office.
- [Who I Work With](https://adambuice.com/who-i-work-with/): Adam Buice works with first-time buyers, move-up buyers, and jumbo and investment-property clients across North Georgia — every stage of buying.
- [Cumming Mortgage Lender](https://adambuice.com/cumming-mortgage-lender/): Cumming, GA mortgage lender Adam Buice (NMLS #1619090) with Stockton Mortgage. Straight answers on payment, down payment, and rates. Call (404) 416-6380.
- [Alpharetta Mortgage Loan Officer](https://adambuice.com/alpharetta-mortgage-loan-officer/): Alpharetta mortgage loan officer Adam Buice (NMLS #1619090), Stockton Mortgage. Jumbo and high-end home financing for North Fulton and the Avalon corridor.
- [Johns Creek Mortgage Lender](https://adambuice.com/johns-creek-mortgage/): Johns Creek mortgage lender Adam Buice (NMLS #1619090), Stockton Mortgage. Home loans for families relocating for schools and North Fulton move-up buyers.
- [Mortgage Calculator](https://adambuice.com/mortgage-calculator/): Estimate your monthly mortgage payment and cash to close with Adam Buice's calculator. For your specific figures, contact Adam Buice, NMLS #1619090.
- [A Few Friends of Mine](https://adambuice.com/friends/): Adam Buice shares a few businesses and people worth knowing, including Stockton Mortgage, Jon Schwartz, and Dustin Hyle.

## Articles
- [Market Update: Fed Rate Decision Day](https://adambuice.com/fed-decision-day/) — 2024-09-25: Adam Buice's market update ahead of the Fed's first rate cut in a while — what lower rates could mean for buyers and refinancing.
- [Headshots of Adam Buice](https://adambuice.com/headshots/) — 2020-01-22: Professional headshots of Adam Buice, available for media use and speaking appearances. Click any image for a print-ready file.
- [My Report from 2024 Mortgage Sales Rally](https://adambuice.com/2024-sales-rally/) — 2024-10-29: Adam Buice's takeaways from the 2024 Mortgage Sales Rally — interest rate trends and what a seller's market means for Atlanta buyers.
- [Breaking Down Mortgage Myths](https://adambuice.com/mortgage-myths/) — 2024-07-28: Adam Buice debunks the myth that self-employment blocks homeownership — and explains how bank statement loans help business owners qualify.
- [Fed Rate Cuts](https://adambuice.com/fed-rate-cuts/) — 2024-12-27: Adam Buice on why recent Fed rate cuts pushed mortgage rates up — and the quiet advantages a higher-rate market gives buyers.
- [When Will Mortgage Rates Drop? My 2025 Outlook](https://adambuice.com/2025-mortgage-rates/) — 2025-02-21: Adam Buice on when mortgage rates might drop in 2025 — the Fed's gradual cuts, sticky inflation, and what's keeping rates in a narrow range.
- [2/1 Buydown: How Buyers Are Beating High Mortgage Rates](https://adambuice.com/2-1-buydown/) — 2025-01-31: A 2/1 buydown drops your mortgage rate 2% in year one and 1% in year two. Adam Buice on how it works, builder-paid buydowns, and the real math.
- [Why You Should Get Pre-Qualified Now](https://adambuice.com/get-pre-qualified/) — 2025-03-10: Adam Buice on why getting pre-qualified — a free, 5-minute soft credit check — gives buyers a real edge in a competitive market.
- [Understanding Today's Mortgage Market](https://adambuice.com/mortgage-market/) — 2025-03-21: Adam Buice breaks down a shifting mortgage market — mixed economic signals, Fed policy, and what to expect from rates.
- [Strengthening Your Financial Position for Homebuying](https://adambuice.com/financial-position/) — 2025-03-23: Adam Buice on the two factors that shape your mortgage terms most — your credit score and your down payment — and how to strengthen both.
- [Making Your Homebuying Decision](https://adambuice.com/homebuying-decision/) — 2025-03-25: Adam Buice on the buy-now-or-wait question: why timing the perfect rate rarely works, and what actually matters in the decision.
- [DSCR Home Loan Program](https://adambuice.com/dscr-home-loan/) — 2025-03-04: Adam Buice explains how DSCR loans work for Georgia investors — qualify on the property's rental income, with 20% down and a 660 credit score.
- [Mortgage Rates Remain Stuck at 6.7%](https://adambuice.com/mortgage-rate-stuck/) — 2025-04-01: Adam Buice's April 2025 read on a sideways rate market — FHA loans in the mid-to-high 5s and surging application volume.
- [The Impact of Tariffs on the Real Estate Market](https://adambuice.com/tariffs-real-estate/) — 2025-04-14: Adam Buice on how tariffs and trade tension feed market uncertainty — and the indirect, hard-to-time effect that has on mortgage rates.
- [How We're Partnering with Builders for Better Rates](https://adambuice.com/partnering-with-builders/) — 2025-05-08: Adam Buice explains how forward commitments let builders buy down rates — turning new-construction incentives into a real win for buyers.
- [What's Going On in Atlanta's Mortgage Market in 2025?](https://adambuice.com/atlantas-mortgage-market-2025/) — 2025-05-19: Adam Buice breaks down Atlanta's 2025 mortgage market — hesitant buyers, tight inventory, and the challenges shaping every transaction.
- [How to Get Started in Rental Real Estate](https://adambuice.com/rental-real-estate/) — 2025-07-08: Adam Buice explains how DSCR loans let new investors buy rental property using the property's income — often with about 10% down.
- [Buyers Market: Strategic Timing for Real Estate Purchases](https://adambuice.com/strategic-timing/) — 2025-08-04: Adam Buice on why today's high inventory creates a narrow window for buyers — and why a strong offer now can beat waiting for rates to drop.
- [Family and Football: The Perfect Weekend Combo](https://adambuice.com/family-and-football/) — 2025-09-02: Adam Buice on a perfect fall Saturday in Athens: football, the first cool breeze, and family time that puts the work week in perspective.
- [Why Lower Rates Won't Solve Housing Crisis](https://adambuice.com/housing-crisis/) — 2025-09-09: Adam Buice explains why a drop in mortgage rates won't fix housing affordability — and what's really driving prices in the Southeast.
- [9/11: A Day to Remember](https://adambuice.com/9-11/) — 2025-09-11: Adam Buice remembers where he was on 9/11 — a campus tour at Young Harris College — and reflects on unity, division, and hope.
- [Don't Let the Market Outlast You](https://adambuice.com/dont-let-the-market-outlast-you/) — 2025-10-23: Adam Buice on why waiting for the perfect interest rate often costs more than a solid plan to buy today.
- [Mortgages Made Less Scary](https://adambuice.com/mortgages-made-less-scary/) — 2025-10-27: Adam Buice on taking the fear out of buying or refinancing a home — clear answers, honest guidance, and no hidden surprises.
- [Life Lessons Over Waffles](https://adambuice.com/life-lessons-over-waffles/) — 2025-11-15: Adam Buice on Friday mornings at Waffle House with his daughter Reagan, and the small lessons worth passing on.
- [This Is My Why](https://adambuice.com/this-is-my-why/) — 2025-11-27: This Thanksgiving, Adam Buice reflects on his "why": the family, friends, and partners who make his work meaningful.
- [Starting Off 2026](https://adambuice.com/starting-off-2026/) — 2026-01-21: Adam Buice kicks off 2026 with partner meetings and a little fun, plus a few photos from the start of the year.
- [Atlanta Is Leading the Way in Real Estate Contract Cancellations](https://adambuice.com/atlanta-is-leading-the-way-in-real-estate-contract-cancellations/) — 2026-02-11: Atlanta leads the country in real estate contract cancellations. Adam Buice explains what the trend means for local buyers and sellers.
- [We Are at War: What This Means for the Real Estate Market](https://adambuice.com/we-are-at-war-what-this-means-for-the-real-estate-market/) — 2026-03-05: Adam Buice breaks down how geopolitical conflict ripples through inflation, bond yields, and the mortgage rates buyers pay.
- [Happy Easter 2026](https://adambuice.com/easter-2026/) — 2026-04-17: Adam Buice shares a family photo and Easter 2026 well-wishes from the Buice family.
- [New Position: Stockton Mortgage as Branch Manager](https://adambuice.com/new-position-stockton-mortgage-as-branch-manager/) — 2026-06-17: Adam Buice is starting a new role as Branch Manager at Stockton Mortgage, looking to help more people in the Atlanta area on their homebuying journey.
- [Life Lately: May & June 2026](https://adambuice.com/life-lately-may-june-2026/) — 2026-06-04: Adam Buice shares a personal recap of late spring 2026 in Atlanta: family time, a little fun, and a nostalgic visit to an Old School 90s Pizza Hut.
- [Happy 4th!](https://adambuice.com/happy-4th/) — 2026-07-03: Happy Independence Day! I'm wishing everyone a fantastic second half of the year. It's hard to believe how quickly time flies. Moving Forward I'm keeping…
- [400 Corridor and Atlanta Market Update June 2026](https://adambuice.com/400-corridor-and-atlanta-market-update/) — 2026-07-30: We are seeing things "normalize" in our markets. Despite what you may be hearing, homes that are priced well and conditioned well are still moving. With…
- [Same $35,000. Two Very Different Exits.](https://adambuice.com/same-35000-two-very-different-exits/) — 2026-08-06: What changes when you stop paying credit card minimums: the real math on a $35,000 balance, one family's story, and the 25-day home equity process.
- [Hosting the Lanier Rotary Club at Family Promise of Forsyth County](https://adambuice.com/family-promise-rotary/) — 2026-07-27: I hosted the Lanier Rotary Club at Family Promise of Forsyth County. After a year on the board, I see how many families we reach. Ask me how to help.
- [The Rate Gap Nobody Is Talking About](https://adambuice.com/the-rate-gap-nobody-is-talking-about/) — 2026-09-04: Credit cards average 21.15%. Home equity averages 7.35%. Adam Buice on how to close that gap without blowing up the low first mortgage you already have.
- [Six Moves That Work for Buyers Right Now in North Atlanta](https://adambuice.com/six-moves-that-work-for-buyers/) — 2026-09-11: Home buyers are using the higher rate environment to their advantage. Here are a few ways savvy borrowers are winning at the offer phase.
- [This Isn't 2008: What Buyers and Sellers Should Do Now](https://adambuice.com/this-isnt-2008/) — 2026-09-21: Metro pending sales are down 32% and listings keep rising, so people are calling 2008. Here is what would have to happen first, and what sellers should do.

## Categories
- [Community](https://adambuice.com/category/community/): I write about the people side of my work. Community building, giving back, relationships that matter. The stuff that doesn't always show up on a balance sheet but makes everything else possible.

"This Is My Why" gets at what drives me. When I think about what keeps me going, it all comes back to the people who support me every day.
- [General](https://adambuice.com/category/general/): The catch-all. Year kickoffs, office parties, headshots, and anything that doesn't belong in a specific category. If it happened and I wanted to write about it, it probably ended up here.

"Starting Off 2026" is about kicking the year off with partner meetings and some fun mixed in. Setting the tone early matters.
- [Homebuying](https://adambuice.com/category/homebuying/): I'm a mortgage professional, and this is where I break down homebuying, refinancing, rental real estate, and builder partnerships. Practical stuff for people trying to make smart moves with real estate.

"Mortgages Made Less Scary" makes the case that the journey to homeownership or refinancing shouldn't be a frightening experience. I wrote it for the people who feel overwhelmed before they even start.
- [Market Updates](https://adambuice.com/category/market-updates/): Mortgage market news, rate changes, loan limit updates, and my take on what it all means for buyers. I try to cut through the noise and give you what actually matters.
- [Best Posts](https://adambuice.com/category/best-posts/): A handful of Adam's articles worth starting with - who he is, how he approaches the work, and a glimpse of life outside the office.