About Stephen Hester
Stephen Hester is a trusted mortgage professional serving homebuyers and homeowners throughout Kennesaw and the surrounding North Metro Atlanta communities. With a strong focus on communication, responsiveness, and local market knowledge, Stephen is committed to making the mortgage process clear, accessible, and stress-free for every client he serves. Born and raised in Hall County, Stephen understands the unique dynamics of the local real estate market, including Hall, Gwinnett, Barrow, and Jackson counties. He believes that being a local lender matters. From understanding true housing costs to being available for in-person meetings, Stephen prides himself on providing hands-on service and timely communication, whether he is working with first-time homebuyers or experienced homeowners purchasing their next property. Stephen approaches mortgage lending with the mindset of a trusted advisor and problem solver. He is known for finding solutions, working through challenges, and keeping clients informed every step of the way. Much like a medical professional serving their community, Stephen believes his role is to guide clients through one of the most important financial decisions of their lives with confidence and care. His goal is always the same: to get clients to the closing table feeling informed, supported, and excited. Outside of work, Stephen enjoys spending time with his wife, Madison, who he considers his best friend. Together, they enjoy playing pickleball, kayaking, and staying active, while Stephen also makes time for his passion for golf. His deep community ties and people-first approach make him a go-to mortgage resource across Gainesville and the greater North Georgia real estate market. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. This individual is unlicensed in the State of Georgia, has submitted a license application to the Georgia Department of Banking and Finance, and the Department may grant or deny this individual's license application.
We can make it happen!
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Certainty Home Lending cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Certainty Home Lending for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Certainty Home Lending does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Certainty Home Lending. Certainty Home Lending its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 175 Town Park Drive, Suite 170 Kennesaw GA, 30144
