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- Non owner-occupied single family
- Owner-occupied single family
Overview
For over 27 years i have been a mortgage professional in North Carolina helping families reach their mortgage goals. I have the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly and you can take possession of your new property.
Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. I will sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic.
There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. I will help you consider all your options so you can concentrate on making the best decision for your needs.
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Cashout refinance loans
Conventional loans (Fannie/Freddie)
FHA / HUD loans
Jumbo / super jumbo loans
No cash out refinance loans
USDA loans
VA loans
Cashout refinance
Conventional loans
First position loans
Non owner occupied loans
Owner occupied loans
There are a couple of reasons to get prequalified for a mortgage. First, you'll find out how much you can comfortably afford which can help when looking for homes. Second, having preapproval before making an offer may give you an edge over other buyer
Your credit score plays an important role in determining whether or not you qualify for a loan, as well as the type of loan you may qualify for and the interest rate. Lenders use your credit score to determine risk. While higher credit scores usually mean better rates, you may still qualify for a mortgage loan even if your score is less than perfect.
Before you apply for a mortgage, check your credit report and make sure it is accurate. If you find any issues, take care of them immediately, as this can take a while. Contact the credit bureaus and provide any information they require so you can clean up your report and improve your credit score. Make sure to pay all of your bills on time as well.