NC Mortgage Experts

If we were sitting down together at my kitchen table or in a cozy coffee shop in Raleigh or Durham, this is exactly what I’d tell you about Student Loan Debt and Mortgage Loans. Student loan debt payments are officially back. After years of pause and political debates, the reality in 2025 is: if you borrowed for college, it’s time to start repaying those loans. That’s not exactly fun news, but…

PCS to Fort Liberty, NC? Here’s Why a VA Home Loan To Buy Near Ft Bragg Might Be the Best Move You Make  So, what should you do when your permanent change of station (PCS) orders to Fort Liberty, North Carolina (formerly known as Fort Bragg) arrive? One of the biggest decisions you’ll need to make is whether to rent, live in military housing, or buy a home of your own. For many military…

FHA Mortgage Insurance Rates in 2025: What NC Homebuyers Need to Know (It’s Not PMI!)  If you’re buying your first home in North Carolina — whether it’s in Raleigh, Fuquay-Varina, or a more rural area — there’s a good chance you’re looking into FHA loans. And if you are, you’ve probably heard about mortgage insurance. But let’s clear up a common myth right away: FHA loans don’t come with PMI.…

Let’s be honest—saving up 10% or even 20% for a down payment on a house right now feels impossible for most people. Between rent, gas, groceries, and just trying to keep up with life, building up a big savings account isn’t easy. That’s exactly why USDA Home Loans Garner and Fuquay Varina NC are so important for first-time home buyers. These loans don’t require a down payment, and many of the…

USDA Home Loans Wilmington NC with no down payment, it’s a Big Coastal Advantage! If you’re house hunting near the North Carolina coast, you might be surprised to learn how much buying power you have—especially with USDA Home Loans in Wilmington  NC, and the “suburbs” including Ogden, Leland and Rocky Point. These no-money-down mortgage programs are one of the best-kept secrets for first time…

I was reading a list recently about cities people are relocating to Raleigh, NC FROM – and that particular list did not include Austin Texas, and I was surprised.  Upon further research, I found that Austin, Texas is indeed a significant source of new residents moving to Raleigh, NC. While it may not always appear in the top five lists, Austin consistently ranks among the top cities contributing…

Here’s a North Carolina VA Home Loan Guide, useful to those looking to buy a home in North Carolina with your VA benefits. Whether you’re a first time home buyer or relocating after deployment, VA loans are one of the best military home loan options available. This guide breaks down everything Veterans and active-duty service members need to know—from eligibility and steps to closing timelines…

Unlocking Generational Wealth? The Path to Homeownership in 2025 begins with knowing the Down Payment requirements on a NC Home.  Too many potential first time home buyers in NC have no idea that there are programs that require ZERO down payment to purchase a house. As we get further into 2025, buying your first home in North Carolina is looking better than ever. Owning a home is a great way to…

As the Federal Reserve prepares to make its next rate announcement this Wednesday, you’re likely seeing bold predictions everywhere—rates will drop! No, wait, rates will spike! 🤯 But here’s the truth most won’t say out loud: when it comes to mortgage rates, predictions are for suckers. That’s not a cop-out—it’s reality. Whether you’re a homebuyer trying to time your mortgage lock or just someone…

The top reasons people continue to move to Raleigh area is because of its strong economy, growing job market, business-friendly environment, family-oriented communities, and high quality of life. The region is known for its natural beauty, access to world-class education, and vibrant lifestyle.Once a quiet capital city known mostly for government offices and college campuses, Raleigh is…

USDA Home Loans remain a top choice for North Carolina homebuyers, especially with the 2025 income limits increasing once again! These no-down-payment loans offer lower interest rates and reduced monthly mortgage insurance compared to FHA or Conventional loans, making them an excellent option for many families.  USDA Home Loan income limits in NC, generally allow you to purchase upto a home…

In most cases FHA financing is easier to get than conventional financing. So if you are likely to need FHA financing, you need to know the maximum FHA loan limits for each county in NC.  The price points change, once you cross the county line.  FHA updates these loan limits each fall across the Country.   If you are looking at homes in Wake County (for instance), and part of the subdivision is in…

Have you ever heard of a ‘unicorn’ Real Estate market? No, it’s not a place where mythical horses roam free. In the world of real estate, a unicorn market is “something that is greatly desired but difficult or impossible to find.” And if you’ve been paying attention to the housing market over the past three years, you’ve witnessed such a phenomenon.  Real Estate Sales for First Time Home Buyers…

Hey there, future homeowners! If you’re dreaming about buying your very first house in North Carolina, I’ve got some pearls of wisdom for you. We believe that Home Ownership can build your families wealth in the strongest way possible.  We’ve built generational wealth for our family by purchasing homes in NC, and we want you to be a homeowner too!  That’s why I’ve put together 5 Things to Know…

USDA Home Loans are no down payment loans with lower mortgage interest rates than Conventiona Loans. Two of the major USDA Home Loan Qualifying Requirements are that the property be located within in a “designated” USDA Home Loan area – and the household income must not exceed the limits below.  USDA Home Loan Income Limits Change in 2024, and in 2023, we are already using these higher loan…

As we enter July 2023, the Federal Reserve’s decision regarding interest rates is eagerly anticipated. In their unanimous decision during the June meeting, the Fed opted to keep rates unchanged. However, the minutes from the meeting reveal a shift in sentiment, suggesting the possibility of a rate hike in July and potentially more increases in the future. This possibility of future hikes in Fed…

Looking to buy a home in North Carolina but not sure where to start? If you’re considering a USDA Home Loan, there are some specific areas in the state that are eligible for this type of financing. In general, you are looking for a spot that is outside of an Incorporated City Limit.  We love the USDA Home Loan Program in North Carolina, because it has so many benefits, even if you aren’t a first…