Welcome to our site!

Thank you for stopping by our mortgage web site.  Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-Income ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


My Garman Home Experience

I have purchased a total of four new construction homes.  I have had good experiences and bad.  See how Garman homes sizes up by watching this short video.  If you are looking to buy new construction in North Carolina make sure to watch this video to help you narrow down your search on which builders to avoid or consider for your nex ...
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Homepath financing- 3% down-no mortgage insurance- no appraisal. Yes it is true!

First Priority Financial, a Raleigh mortgage lender is a direct lender for Homepath Loans.  Watch this short video explaining the benefits of a Homepath loan such as a small down payment, no mortgage insurance among other benefits.  Please forward ...
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Raleigh mortgage brokers share tips to avoid a home loan denial

If you have ever suffered through the embarrassment and frustration of having your home loan denied you are not alone. Having excellent credit and a good job aren't enough anymore. Watch this short informative video about how to avoid some of the most common pitfalls we experience as North Carolina ...
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How to calculate FHA mortgage insurance

How we calculate mortgage insurance (MI) on FHA loans to figure out a monthly MI payment.  View video for more info.     What you will need: A standard calculator A piece of paper/pen A little patience An understanding of MI factor  An understanding of UFMIP ...
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Why your home isn't worth as much as you think it is

If you have found yourself upside down on your home don't despair.  We might have a solution for you.  Understand how and why your property value may not be what you think it is in this quick informative video.  Contact us for more information.  Please subscribe or forward this o ...
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How long do I have to wait if I had a short sale or bankruptcy before I can get another home loan? Raleigh mortgage brokers answer this question!

How long do I have to wait if I had a short sale or bankruptcy before I can get another home loan?  We get this question all of the time.  F ...
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