Many of our clients are hyper focused on their credit report and their credit scores because they want to buy a home in NC, and they need to get their scores to the point where that dream of owning a home becomes a REALITY!A credit report is just a complete accounting of your credit history, and
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11/17/2017
Our Construction Loan basic guidelines are significantly different than other places. We offer fixed rate, 30 year loans, many of our competitors only offer 15 year or Adjustable Mortgages. We will allow you to put as little as 10% into the transaction, most of our Construction Loan competition
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11/08/2017
Many of the Veteran’s buying a house in North Carolina want to use their VA Home Loan benefits to buy a house that’s a little further out, has some land and in some cases is “older.” The VA does not have a restriction on the actual age of a home they will ensure with a VA Loan. So, buying an ol
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11/01/2017
If you want to find a Builder to build your home on a lot, how do you do that? One way is to have the Builder take out a mortgage, and in that situation, you normally have to make a pretty sizable deposit with the builder, often times it’s at least 20%. IF you own the lot, you might have to sig
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10/25/2017
There are several different ways to finance a new custom home, most commonly, you would pick out a lot, and find a Builder who will build the home to your specifications. This “Custom Home” loan, or construction loan, would be in your name – and the builder would receive “draws” or lump sum amou
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10/18/2017
We have looked at several studies done near the end of 2016 that ranked the "Best Suburbs For First Time Home Owners Near Raleigh," and while we think most of them are spot on, we disagree with a few. If you are considering a move to the area, you might like to get a perspective from folks who l
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10/10/2017
he New HomeReady™ Conventional Mortgage in NC offers some exciting options for NC Home Buyers. It really is one of the first Innovative Mortgage Programs we’ve seen designed since the Great Recession. The program is thankfully vetted and is low risk for Lenders and Home Owners. The best news i
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05/10/2017
If you are ready to move out on your own, and Kiss Your Landlord Good-bye… CONGRATULATIONS! Earlier this year the newest part of the Government’s program to help people buy a house went into place! NC First Time Home Buyers definitely have an advantage, and we offer all of the First Time Home
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02/09/2017
Private Mortgage Insurance has long been a source of eye rolls for many home buyers. However, once you look at PMI for what it is-- a tool to reduce the risk of a mortgage loan-- you may look at it in a different light. Similar to most insurance we use everyday, mortgage insurance is there t
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11/15/2016
If you’re a first home buyer you probably know that you could be eligible for government assistance in buying a home, commonly known as first home buyer grants. The home buyer grants are also available to those who have owned a home before, as long as you meet the maximum income limits, don’t bu
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01/07/2016
