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 ...


Current mortgage rate trends 1-20-2012 North Carolina mortgages

Current mortgage rate trends remained flat today. No real new news to deliver. In coming weeks rates are expected to get worse and then get better. If you are closing on your loan within 15 days I suggest you lock. If you have more that 15 days I suggest you float. Contact us for more informatio ...
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Why is the mortgage rate advertised always different than the rate I get?

Why is the mortgage rate advertised always different than the rate I get? Best way to start this conversation is by telling you that companies want to advertise their absolute lowest rate.  The rate advertised is available however few people ...
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Current Mortgage Rate Trends January 3, 2012 Raleigh home loans

  Current mortgage rate trends were volatile today. Rates started worse and then got better by afternoon (see blue line) and got worse again by end of day. To understand how to read this chart watch video above.   Raleigh home loans
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FHA loans aren't loans!

[caption id="attachment_1538" align="alignleft" width="150" caption="HUD approved lender"][/caption] It may come as a surprise to many of you that an FHA loan is not really a loan.  Yes, really.  Let me clarify:  FHA does not loan money. They insure mortgage loans that meet their criteria.  Therefore an FHA loan is not a loan from FHA, It's ...
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Mortgage rates are at an all time low

It isn't new news that mortgage rates are at an all time low. Questions is what are you doing about it? Many homeowners and home buyers see the value in saving hundreds of thousands of dollars in mortgage interest by acting now. Contact me today to find out if you can take advantage.  Email me 
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Cash is best. No it isn't! Credit cards are better.

We’ve been taught that cash is best and to always avoid credit. This advice no longer applies. If you use cash instead of credit you are losing a lot of money. See how to make money on everyday purchases, protect yourself from fraudulent charges and receive many other benefits all for free! ...
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