Buying GuidePreferred Lenders

With over two decades of experience in the mortgage industry, Bragg Boyd brings a deep understanding of home financing to every client he serves. Beginning his career in 1999 on the operations side of the business, he gained invaluable insight into the loan process, pipeline management, and delivering exceptional customer service. His expertise quickly led him to originate loans, train fellow loan officers, and manage large branches.

Throughout his career, Bragg has worked with homebuilders, real estate agents, and national mortgage companies, helping borrowers navigate the complexities of home financing. He takes pride in educating clients, overcoming obstacles, and making the mortgage process as seamless as possible.

Passionate about building successful ventures from the ground up, Bragg is committed to providing personalized solutions that empower homebuyers. When he's not assisting clients, he dedicates his time to coaching middle school football, instilling teamwork and discipline in the next generation.

With nearly three decades in the mortgage industry, Chris Berra brings a wealth of experience and knowledge to every home financing journey. Beginning his career as a Loan Officer Assistant in 1996, he has worked with top homebuilders and mortgage companies, refining his expertise in FHA, VA, and Conventional lending.

Chris finds inspiration in helping homebuyers achieve their dreams, taking the time to understand their unique stories while ensuring they feel confident in their mortgage decisions.

Now based in Georgia, Chris is an avid golfer with an impressive competitive record, including six club championships. Whether guiding borrowers through their home financing journey or sharing his love for golf, Chris is dedicated to helping others achieve their goals.

With 25 years of experience in the mortgage industry, Bryan Sosbee brings a steady hand and a heart for service to every homebuyer he works with. A lifelong Georgia resident, Bryan is passionate about helping individuals and families achieve their homeownership goals in the communities he knows best.

Whether he’s working with a first-time buyer or a seasoned homeowner, Bryan takes pride in offering personalized solutions and expert guidance every step of the way.

Ginni Childers is a mortgage professional with 20-plus years of experience and a 360-degree grasp of home-financing. She launched her career in loan origination in the late 1990s, honing skills in pipeline management, regulatory compliance, and white-glove customer service. Her expertise soon led to training roles and team leadership, where she is known for fostering high-performing, service-driven cultures.
Ginni partners closely with home builders, real-estate agents, and national lenders, translating complex guidelines into clear, actionable steps for borrowers. She delivers a seamless, educational experience—studying each client’s broader financial picture, overcoming hurdles, and tailoring mortgage strategies that advance long-term wealth goals. Clients and colleagues alike value her blend of technical insight, proactive problem-solving, and genuine mentorship.

Away from the office, Ginni enjoys time with her husband and children and is active in church and community initiatives

Michael is a Georgia native and longtime Atlanta resident with over 20 years of experience in residential mortgage lending. As a loan officer with Ridgeland Mortgage, the preferred lender for Smith Douglas Homes communities, he works closely with the builder’s sales team to provide a smooth and personalized financing experience for every homebuyer. Michael specializes in Conventional, FHA, and VA loans, and enjoys working with both firsttime homebuyers and seasoned buyers, offering tailored solutions to meet a wide range of needs. Known for his strong product knowledge, attention to detail, and commitment to responsive communication, he builds trust and lasting relationships with clients, guiding them confidently through every step of the loan process. His goal is to ensure every client feels informed, supported, and at ease from application to closing.

When he’s not helping clients achieve their homeownership goals, Michael can be found enjoying time outdoors,exploring new destinations, and spending time with family and friends.

With nearly 20 years of experience, Kris George is a seasoned mortgage professional specializing in home purchases and refinances. He began his career by building strong partnerships with real estate and financial professionals, earning recognition as a Top Producer on Lending Tree. His expertise soon led him to work on national builder accounts, where his consultative approach helps simplify the mortgage process for both buyers and agents.

Known for his clear communication and attention to detail, Kris customizes each loan to fit the unique needs of his clients. He’s received multiple sales awards and is trusted by builders and management teams for his consistent excellence and client-first mindset. Outside of work, Kris enjoys time with his wife, children, and their dog. A former collegiate athlete, he coaches youth sports and supports the Atlanta-area Cystic Fibrosis Foundation. Whether working with clients or volunteering in his community, Kris is known for his integrity, professionalism, and dedication. He looks forward to guiding you through a smooth and successful home financing experience.

With over 20 years of experience in the mortgage industry, I bring a deep understanding of the loan process and a strong commitment to helping clients navigate one of the most important financial decisions of their lives. Throughout my career, I’ve had the opportunity to work with a wide range of homebuyers—from first-time purchasers to seasoned investors—as well as builder partners in the new construction space. My extensive background in both retail and builderbased lending allows me to streamline the mortgage process and provide a smooth, stress-free experience for every client.

I am proud to have been recognized as a top-performing Loan Officer, including being named one of the Top 250 Latino Mortgage Loan Originators in the U.S. by the National Association of Hispanic Real Estate Professionals (NAHREP) in 2023, and ranking #22 among all Loan Officers in Georgia. These honors reflect my dedication to excellence, my deep industry knowledge, and my commitment to delivering results. Fluent in Spanish, I am passionate about helping families from all backgrounds achieve the dream of homeownership. My goal is to provide clear communication, trustworthy advice, and exceptional service every step of the way.