Georgia Lender Paul Cargal L

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Paul Cargal was almost destined to enter some aspect of the real estate business. His family has been in the industry his whole life and he always had an interest in real estate and financing. Right out of college, he spent several years working in the secondary mortgage market before becoming a Loan Officer in 2005. “My landlord in college was actually who got me started in the mortgage business, and I just worked my way up to being a loan officer after a few years. It’s really been the perfect career for me.”

In 2012, Paul Cargal and business partner, Bart Patterson, launched Summit Funding Advisors, LLC, where Paul leads a small team of Loan Officers that are some of the most in-demand mortgage professionals working in Georgia. Summit Funding Advisors, LLC was founded not only with the mission of providing their clients with the highest level of customer service and professionalism, but also offers some of the most competitive rates and fees in the marketplace.

Paul credits his success to four key elements that his company offers. The first two being, product diversity and pricing.”We have a lot of specialty products, including one that allows for just 1% down, as well as products that help people out when they just have stated income. “We also offer third party verification for income and assets, so clients can get approved and never have to provide income or asset documentation. Because we’re a small boutique agency, we don’t have the overhead of a lot of bigger companies. We pass that savings onto our clients, typically offering a rate that is anywhere from an ⅛ % to ¼ % lower.”

The other two key elements that Summit Funding Advisors, LLC offer their clients is a personalized level of service along with exceptionally fast closing times. This combination has been instrumental in their high rate of repeat and referral business. “There are a few reasons we’re able to close loans in 2-3 weeks rather than the average of 30-45 days. The biggest is communication. Not only do we explain everything up front, heading off any potential snags, but we keep the dialogue going throughout the whole transaction, making sure everyone is updated and always prepared for the next step. We also know how to structure loans, finding the best product to fit each client’s needs and situation. We get our clients to the closing table in not only a timely fashion, but as seamlessly as possible. Our clients and referral partners trust us to get the job done, and done well, so that really alleviates their stress.”

Paul’s approach to the business has obviously paid off. He is not only a top producing mortgage professional but an award winning one as well. He was recognized by the Mortgage Bankers Association of Georgia as “Rookie of the Year” in 2005 and ranked 34th in the nation. Paul is an active member of the Georgia Association of Mortgage Brokers and has been consistently recognized as a “Top Gun” residential loan officer in the state of Georgia, as published in the Atlanta Business Chronicle.

Paul would like to continue growing his business, and plans to bring on more loan officers in the future. It is important to Paul to have a team of mortgage professionals that share Summit Funding Advisors’ personal approach to mortgages, which is all about building relationships. “We really care about what happens to our clients. There really is nothing better than seeing our client’s joy at the closing table, especially when it’s a client that maybe thought that they’d never get there, but we were able to make it happen. It’s a very rewarding career.”

To learn more about Paul Cargal call 404-272-2721, email or visit


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