Start your secure mortgage pre-approval with Shatoya and Motto Mortgage Community Solutions.
I’ll review your application quickly, help you understand your numbers, and guide you toward the
best loan options for your goals.
No obligation.
Just clarity on what you can afford.
Why start with pre-approval?
In today’s market, sellers and agents want to see that you’re serious and ready. Your pre-approval
helps you shop with confidence, make stronger offers, and understand your payment before you fall
in love with a home.
Stronger offers
Show listing agents you’re ready to go with a solid pre-approval from a licensed mortgage
professional.
Realistic budget
We’ll look at your full picture so you know what price range and payment truly fit your life.
Personal guidance
You’re not alone with a link — I’m here to answer questions, explain options, and help you plan
your next move.
How it works
Simple, transparent, and built around real life — not perfect credit or perfect paperwork.
1
Complete the secure online form
Click “Start My Pre-Approval,” share your basic information, income, and consent to pull credit.
2
I review your file personally
I’ll analyze your credit, income, and goals to match you with programs that fit — including FHA,
VA, conventional, and more.
3
We build a plan and move forward
If you’re ready, we issue your pre-approval. If you’re not quite there yet, I’ll give you a
game plan to get there.
Prefer to talk first? Let’s connect.
📞 800-893-4818
✉️ shatoya.cobb@mottomortgage.com
📍 Serving SC, GA, NC, FL, LA, AL & TX
Down payment help & special programs
Buying a home doesn’t always mean you need a huge down payment. Depending on your situation,
you may qualify for down payment assistance, grants, or low/no down payment programs with
FHA, VA, conventional, or USDA financing.
FHA, VA & conventional options
Explore programs that allow as little as 0–3.5% down, plus grant and assistance options
that may help reduce your upfront out-of-pocket costs.
USDA & rural housing
For eligible areas and buyers, USDA loans can offer no down payment options with
competitive terms. I’ll help you see if the property and your income qualify.
Local & state assistance
We’ll review available state and local programs in SC, GA, NC, FL, LA, AL, and TX to see
whether you qualify for additional down payment or closing cost assistance.
Program availability and eligibility vary by state, property, and borrower profile. Completing
the pre-approval is the best way for me to match you with options that fit your situation.