Kathy Sheehan, Senior Loan Officer (Bay Equity, LLC 770-634-4021) Mortgage and Lending



Kathy Sheehan
Senior Loan Officer
location_on Atlanta, GA — Bay Equity, LLC 770-634-4021
NMLS #206275 GA 25689
Get to Know Kathy Sheehan

Kathy Sheehan has been a professional in the real estate industry for nearly 20 years, her experience includes working for a third party relocation company; a real estate consulting company; selling foreclosed properties (REO) for FannieMae through direct marketing, asset management companies and auctions; as a real estate broker and mortgage loan originator.  Her work experience from each of these companies has developed a comprehensive understanding of the entire real estate process. 

It is important to remember that each home buyer's situation is different and must be evaluated individually.  What works for one, might not work for another.  Consequently, Kathy uses her knowledge of loan programs and the borrowers specific situations to develop the best plan, to deliver the best results and achieve the financial goals established by her client.   Her philosophy is simple, dreams can come true with a little preparation especially the dream of homeownership.

Kathy holds a Bachelor of Science in Business Administration (Finance) from the University of Tulsa.   As a real estate broker, she earned the GRI designation through the National Association of  Realtors.  In addition, she has received numerous sales awards through the MLS system and local board of Realtors.  With her sales skills and knowledge, she has been asked to train other agents.  Kathy is currently individually licensed in accordance with the new mortgage licensing laws through the National Mortgage Licensing System and the State of Georgia.

Kathy has been a member of  Business Network International (BNI)  and the Marietta Business Association for the last 5 years.  As an active networker, Kathy has successful referral partners that help her business and her clients.

On a personal level, Kathy is currently serving as President of the Tulsa University Atlanta Alumni Club and is an affiliate member of the Cherokee Women's Council of Realtors.  For the last 4 years, Kathy has also volunteered her time at Cherokee County high school as a project mentor and judge for senior projects.

As a student at the Florida Culinary Institute, Kathy was introduced to the Share Our Strength organization.  Since that time, she has been a long time volunteer to support Share Our Strength, a non-profit organization aimed to end childhood hunger in the USA by 2015.  If you would like to see ways to help, please check out the website.




I offer the following programs for the purhase or refinance of residential real estate:

Conventional Conforming (FannieMae/FreddieMac) for borrowers looking for financing for their primary residence, second home and investment properties. 

FannieMae Refi Plus

FannieMae HomePath

FannieMae HomePath Renovation Loans

FannieMae HomeStyle Rehabilitation Loan

FHA including FHA 203K rehab loans

FHA Streamline refinance


VA - Interest Rate Reduction Loan

USDA 100% loan often called the RD loan

Jumbo loans - defined as those that exceed $417,000

GA Dream - Down payment assistance for Georgia residents subject to qualifications

Other county specific down payment assistance programs.

Other non-conforming product available

Financing for investors with more than 4 financed properties

Minimum credit scores apply to all programs.



D. Dever
Kathy helped me refinance my house after I did some remodeling. Kathy was very organized and educated me on the process and how to make the transaction go smoothly. I would highly recommend Kathy to anybody looking to buy a home or refinance a home. D. Dever
Pam Leinmiller
Pam wrote this on LinkedIn: Pam Leinmiller (client) Pam hired you as a Mortgage Loan Originator in 2009 and hired you more than once Top qualities: Great Results, Expert, High Integrity “I have hired Kathy for a refinance in 2009 and a new purchase of an out of town home for our daughter in 2012. Obviously in this industry, there is so much competition and a seemingly new "great deal" at every turn, but I returned to Kathy for my recent new purchase this summer because of the superb service I received in 2009. In both cases, when issues arose she was one step ahead and always finding solutions to enable us to close the mortgage loans on time with a great rate and covered all the bases. None of this comes easy in the current market! She kept the lines of communication open with the out-of-town agents this summer as if she was right down the street. I know her integrity to be above reproach and her experience and customer focus trumps all else in my book.” September 21, 2012 Request a new or revised recommendation from Pam Leinmiller
T. Johnson
Thanks for taking time to chat with me today about refinancing my home. I fear that many would have talked me into the refi even though I would only be saving $50.00 a month. I applaud your professionalism and integrity. T. Johnson
Debra Colwell
Good morning! Just want you to know I am so very happy that our closing is taking place today. I can not tell you thank you enough for everything you done for us. I wish there was some way that I could repay you for your kindness. Even though I do not know you personally, you went above and beyond to give us guidance and help and for this I will be forever grateful to you. Thanks again so very very much! I can not wait to get my home remodeled now. Take care! Debra Colwell
Karen Kelley
I received this in an email when I was able to close a deal 2 weeks earlier than the contract closing date: Thanks again for being such an incredible lender. Why have I ever used anyone else? Karen Kelley Coldwell Banker Residential Brokerage
Excerpt from an email I received today, "I have read up on Rainmaker regarding your summary of experience and feel I have made the right decision. I have faith in you and your many years of home buying. Thank you again, Theresa"
JC Brasil Fagundes
Today I sent an email to all appropriate parties that the file had been cleared to close and the package was going out as soon as possible. By the way, application date was 4/6/12 and today's date is 4/23/12/ Here is the response from the listing agent, " Kathy – if I were capable, I would write the music to your “lyrics!” Well done, my young lady, well done! " JC Brasil Fagundes
Russ Young
Russ Young (client) Russ hired you as a Mortgage Brokerage in 2009 Top qualities: Great Results, High Integrity, Creative “I have recommended and referred Kathy to first time home buyers as well as "seasoned" home buyers. She relates to all and becomes the voice of experience and commitment regardless of the client's experience. Recommended an employee (at the time) as a first time buyer and she went out of the way to guide them and they were and are thrilled with the service and the program Kathy arranged. I can most certainly, unequivocally, recommend Kathy's work in the mortgage industry.” August 21, 2011
Jeff Francis
Where do I start? Our home buying process was what one would call a somewhat nightmare. If Kathy hadn't been there I really believe we would not have our wonderful first home. We had some major hurdles to go through and she was with us every single step of the way. She answered phone calls at all hours of the night lol, responded to emails and put up with us for a total of 90 days in a process that should have taken only 45. She is undoubtedly a business professional who goes far beyond anyone I have seen in reaching out to her clients. We are extremely greatful for all that she has done and would recommend her over and over again!! Jeff Francis
R. Vick
"Kathy, I just wanted to say thank you for your honesty today. I appreciate your guidance when it comes to my mortgage needs and your advice to wait does make the most sense since the benefits do not warrant the expense." R. Vick
M. Williams
I'm a homeowner! Thanks Kathy I couldn't have done it without you. M. Williams
Alfred & Carletta Cason
I just wanted to thank you so much for all your help. The process was frustrating at times but well worth it. I just wanted to let you know that we appreciate everything you have done for our family. Closing was a smooth process and entertaining at that. The attorney explained everything to us and Brian was great as well. Anyway, thanks again for all your help. Alfred & Carletta Cason
D. Munroe
Kathy is very seasoned in the arena of real estate lending. She walked me through every detail, every step of the way and always delivered quality service on time. Kathy is an absolute blessing to work with. D. Munroe
Mr. and Mrs. Freeman
We closed and everything went exactly as you said it would and even the attorney commented that it was the easiest closing they have ever had! Thank you so much for your months of work. You have made our dream a reality.Thanks again! Mr. and Mrs. Freeman
Mr. and Mrs. A. Zappocosta
I want to thank you for your most professional manner in which you conducted the entire transaction. Being in the real estate business for 20 years, I've met many people, but you have proven to be the most professional and diligent person I have worked with or ever met. Your hard work and follow up was very greatly appreciated. Of course, you will be the first person we refer to our family and friends. Sincerely, Mr. and Mrs. A. Zappocosta
S. Chapman
Just a short note, long over, to thank you in making my relocation from Europe a smooth transition. One important point which I would like to mention is your keen knowledge of the mortgage and tax advantages available in the USA. Prior to moving to the States, I was completely unaware of these as well as steps that had to be taken in purchasing a home in America. I greatly appreciate the concise explanations given concerning the above. I will not hesitate to pass your name on the other colleagues that may need your services. Very truly yours, S. Chapman

I am a licensed Branch Manager that offers my customers more than 20 years of real estate experience to help them through the home buying or refinance process.