# Adam Buice

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

## Pages
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [Start Here](https://adambuice.com/about/): How Adam Buice went from a 10-year commercial banking career to residential mortgage lending in Cumming, Georgia.
- [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.

## Articles
- [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…
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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 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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.
- [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.

## Categories
- [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.
- [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.
- [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.
- [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.
- [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.