This is a day that will go down in HISTORY! I don't think I have ever received a HUD this far ahead of closing!

Let's use this mortgage co. again!


You and your team are terrific. I can't thank you enough for the support throughout the process, but especially over the course of the last two days.

My wife and I will not hesitate to refer any of our friends your way. We have two that are talking about buying a new home. If they pull the trigger we will be sure to pass your information along.

-Dave, Johns Creek

“Everybody promised everything but Greg and Shelby at SCMG delivered!”

-David R., Roswell


“Southern Capital was outstanding to work with…Great rates and outstanding communication. Moved the application through very quickly and kept us up-to-date on the status at all times. I would highly recommend the Southern Capital Group.”

-Chip R., Marietta


“During a difficult time in the market, Shelby Pennix evaluated my situation as I sought financing for a new home. He told me that he could qualify me for a loan at a lower rate than other lenders had quoted me. However, the time span was extremely short (2 weeks), and the deal was contingent on an early closing date. Shelby gave me a realistic assessment (90%) on the likelihood of being able to meet the extremely aggressive closing date. On a daily basis, Shelby let me know exactly where we stood as he described each step in the process. His willingness to go above and beyond any reasonable expectation of a broker allowed me to get the financing I needed while meeting the very aggressive closing date that was crucial to my deal. I will recommend this team to anyone I know. Their customer service was second to none!”

-Nash H., Atlanta


“Greg and Shelby made a usually arduous process fast and relatively pain free. They were very efficient and aware of the value of my time, always trying to streamline the process. There were no surprises and I was able to get a great rate. When I was wrestling with decisions, Greg was very patient and informative. The entire process was great.”

-Daniel E., Cumming


“My refinance was handled quickly and professionally and I received a rate that was below the published rates online. SCMG handled my loan quickly and kept me informed throughout the process. I will call them again for my future mortgage needs.”

-Brian D., Cumming


“For such a time constraint to turn a loan (2 weeks) everything was finished on time with no miscues. Shelby sat down with us and went through every detail in order for us to understand what was going on during the process. Shelby made us feel so comfortable from the very start to the end. I can’t really say it has ended yet though due to him staying in touch, which is far better service than what we have received in the past. Our first broker we dealt with in Oklahoma had estimated way under what we would pay a month and that left a sour taste at closing. Shelby made sure what he quoted in the good faith was what we would pay in the end. Well, we actually paid under what he quoted which was extremely pleasing for us in the end. Overall the service he gave us was way more than a five rating. I would give him a 10 on a 5 scale. Thanks Shelby!”

-Matt and Catrin L., Cumming


“Shelby stepped in part way through the process due to unforeseen circumstances, and never missed a beat! He genuinely wanted to get to know me and what I was looking for and what variables were most important to me. He interacted with all the other parties involved (bank, appraiser, seller’s agent, etc.) and represented my interests. I couldn’t have asked for a better mortgage consultant or a smoother process.”

-Valerie W., Decatur


“Thank you so much for all your hard work with our loan! Throughout the entire process you were very available, you communicated everything to is in language I could understand, and you also saw potential hang-ups and cleared things up before they happened. This helped keep the process moving and we were able to close on time. You were very professional and always concerned about our best interests. Thank you so much Shelby- you went above and beyond. We look forward to working with you again in the future and we will happily recommend you to anyone in the market.”

-James and Meredith T., Woodstock


“Shelby’s customer service and personal attention is unmatched in this industry. We could not have asked for a smoother experience. With Shelby’s help, we now own our dream lake home!!”

Sean and Katie P., Marietta


“Working with Shelby was a joy. Although, I live in Virginia, I had a business meeting in Atlanta before we closed. Shelby and his lovely wife Jennifer met me for dinner. Shelby and Jennifer are expecting their first Baby and I wish them the best. What a wonderful family Shelby will have and a lovely/beautiful bride. Thanks again from a loyal customer.”

Jamie and Rachel M., Richmond


“Mr. Pennix was there in the transaction from the beginning to the end. He answered all questions, volunteered information, and helped to make the loan transaction a pleasure rather than a dread. Hope I never need another loan, but if I do Mr. Pennix will be the first source. Thanks for everything.”

Ken S., Canton


“I was very pleased with the services and would recommend all involved for future business. My many thanks to both David and Shelby for hanging with us.”

Terry B., Hampton


“As a real estate agent, having a mortgage broker come to the closing with me was just plain awesome; I could tell that it really helped put the Murphys at ease too. I really hope to be able to send some more business your way in the future.”

John B., Atlanta