What does it really take to buy a home in Camden County, Georgia?

In Episode 93 of the Get In Your Business Podcast, host Allison Shores sits down with Michelle Gemmell and Tony Gemmell of Guaranteed Rate Affinity to break down the realities of today’s housing market and what buyers need to know before getting started.

Whether you’re a first-time homebuyer, military family, or someone who feels like homeownership is out of reach, this episode delivers clear, practical insight into the mortgage process and the options available to you.

Michelle and Tony share their journey from South Africa to building a mortgage business in the United States, while also highlighting their work across Camden County and beyond. They explain how many buyers are closer to owning a home than they think — and why waiting for the “perfect time” may actually work against you.

The conversation also dives into VA loans, one of the most powerful tools available to eligible buyers, especially in a military-driven community like Camden County.

If you’ve been unsure where to start, this episode is designed to give you clarity and direction.

🔑 What You’ll Learn

Why you don’t need 20% down to buy a home

How VA loans work and why they are a strong option for military families

The difference between renting and building equity through ownership

Why waiting for interest rates to drop could cost you more

The “buy now, refinance later” strategy explained

How to start the homebuying process, even if you’re not ready yet

What lenders actually look for when helping buyers qualify

📍 About the Guests

Michelle Gemmell and Tony Gemmell are mortgage professionals with Guaranteed Rate Affinity, serving clients across Camden County, Georgia and beyond.

They specialize in helping first-time homebuyers, VA loan clients, and individuals with unique financial situations find the right path to homeownership.

📞 Get in Touch

Guaranteed Rate Affinity

Michelle Gemmell
Associate VP of Mortgage Lending
NMLS ID: 1957379
📞 (954) 331-8819
📧 [email protected]

Tony Gemmell
Originating Manager
NMLS: 1174856
📞 (786) 654-6769
📞 (786) 384-9929
📧 [email protected]

🎧 Listen, Share, Subscribe

If you found this episode helpful, be sure to follow the podcast and share it with someone who’s thinking about buying a home in Camden County.