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JoAnn Crutchfield

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JoAnn Crutchfield 

Loan Officer serving Atlanta,
Georgia and surrounding areas    

     Contact Information    
207 South Alfred Street
Alexandria, VA  22314
Office: 800-232-1219
Direct: 770-912-8739
Fax: 770-819-7729
NMLS ID: 260203
Georgia State License#: 26793


How may I assist you?

Before you choose a home, we will take time to explore the different types of financing so you can choose one that will best fit your needs. You can begin by looking at the differences between a fixed-rate and an adjustable-rate mortgage.

  • A fixed-rate mortgage will have the same principal and interest payment amounts throughout the life of the loan
  • An adjustable-rate mortgage or ARM will have interest rates and payments that change from time-to-time over the life of the loan. However, when you apply for an ARM, you will be told how, when and why the rates may change.
  • An assumable loan is an existing mortgage loan that a buyer takes over or assumes from a seller. Assumable loans may be a fixed-rate or adjustable-rate. 

What Type of loan is best for you? 

Before you answer this question, we need to look at your personal financial situation, your long-term goals and the needs of your household. Where do you plan to be living in the next few years? How secure is your job? Where will the money come from for your down payment and closing costs? There are also trade-offs when choosing between a government-backed loan (FHA or VA) and a Conventional loan. 


  • Veteran status 
  • Income level
  • Steady income, but not much money for a down payment


  • Ability to afford to make a large down payment
  • Avoid paying for private mortgage insurance
  • Possible omission of financing fees or closing costs

About Me 

I have over 10 years experience in the mortgage industry and over 20 years experience in the insurance industry. Due to my wealth of experience, my clients have learned to expect nothing more from me than excellent service, honesty, integrity, loyalty, dedication and hard work with each and every client--from start to finish. I am very knowledgeable in FHA, VA, Conventional , Reverse Loans, Jumbo and HARP refinance loans. I also offer hands-on experience in providing appropriate mortgage loan recommendations. You will be glad you selected HomeFirst Mortgage Corp. to finance your loan and in particular, me, JoAnn Crutchfield as your Loan Officer.  I am licensed in the State of Georgia.

About HomeFirst Mortgage Corp. 

HomeFirst Mortgage Corp. proudly celebrated its 20th anniversary in 2013.  We are committed to making sure your mortgage application and closing experience is a pleasant one. We take the time to get to know you personally and understand your needs whether you are purchasing, refinancing or renovating a home. HomeFirst's mission statement is actually quite simple: service, service, service. All of us, as consumers, are unfortunately reminded daily of the downside of poor service. Our goal is to provide you with an incomparable level of service therefore making you an educated consumer and well-satisfied client. We truly realize that your experience with our company will influence our future success.  Feel free to click one of the toolbars above to learn more about HomeFirst, apply online or learn about our mortgage application process.  We also have calculators available for your use.  As always, please contact us with any questions you may have.  Thank you for considering HomeFirst Mortgage Corp. as your one-stop mortgage provider.