FHA Mortgage Insurance Rates in 2025
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...
View ArticleHow To Get Your FHA PMI Refund
Let’s say you bought a house in Raleigh in October – you decide to get a FHA Loan, and in December you find that you are going to be re-located (with a job promotion I hope) to Austin, Texas. FHA...
View ArticleFHA Loan Limits in NC 2023
FHA Loan Limits in NC are set to adjust annually, and the 2023 FHA Loan Limits in NC were just announced last month. The important thing to remember when viewing these changes is that 5 times in recent...
View ArticleHelp Getting a FHA Loan in Wake Co.
FHA loan limits in 2023 are now $472,030 in Wake County!! Does that mean every loan officer in North Carolina can help you with a FHA loan? No. If you need help getting an FHA Loan in Wake Co, you...
View ArticleFHA Green Mortgages
Officially, the mortgages often are called Energy Efficient Mortgages (EEMs) or Energy Improvement Mortgages (EIMs). The common baseline used to determine if a property qualifies requires an energy...
View ArticleFirst Time Home Buyer DPAs in NC Explained
We’ve used the term First Time Home Buyer DPAs on this site multiple times. In most cases we are speaking of the down payment dollars that are available to us from the NC Housing Finance Agency. In...
View ArticleFHA Loans in Chapel Hill and Carrboro NC
Chapel Hill enjoys one of the highest income and educational family averages within the ”Triangle” region (The Research Triangle Park is a Tax Free Zone located between Durham, Chapel Hill and Raleigh,...
View ArticleFHA Underwriting Guidelines for NC
We talk to people everyday who have questions about qualifying for a FHA Mortgage Loan in NC. FHA Underwriting Guidelines, are actually pretty straightforward. Unlike qualifying for a VA Mortgage...
View ArticleFHA Tightens Credit Requirements
FHA Tightens Credit Requirements 2019 for those with lower credit scores & high debt-to-income ratios you need Manually Underwritten Approval The post FHA Tightens Credit Requirements appeared...
View ArticleCOVID-19 Mortgage Guideline Changes
The Corona Virus has changed many economic models and forecasts that no one apparently saw coming. Because of this, those folks who buy mortgages, and the Institutions who agree to put mortgage...
View ArticleCOVID-19 Mortgage Guideline Changes
The Corona Virus has changed many economic models and forecasts that no one apparently saw coming. Because of this, those folks who buy mortgages, and the Institutions who agree to put mortgage...
View ArticleNontraditional Credit
Do you really want to get out of that apartment? Did you know that NOW is that time you can make a KILLING buying real estate and DUMP your roommates?? Nontraditional Credit might be a way to do this...
View ArticleFannie Mae Update: Deferred Student Loans Conventional Mortgage
Fannie Mae is one of the “Big Dawgs” when it comes to Conventional Mortgage Loan Underwriting Guidelines. If they say something will work, most lenders / banks will follow that lead and approve loans...
View ArticleFHA Tightens Credit Requirements 2019
FHA Tightens Credit Requirements 2019 for those with lower credit scores & high debt-to-income ratios you need Manually Underwritten Approval The post FHA Tightens Credit Requirements 2019 appeared...
View ArticleFHA Loans in Chapel Hill and Carrboro NC
Chapel Hill enjoys one of the highest income and educational family averages within the ”Triangle” region (The Research Triangle Park is a Tax Free Zone located between Durham, Chapel Hill and Raleigh,...
View ArticleWhat Collections Must Be Paid To Get A Mortgage Loan
FHA Home Loans in North Carolina are generally used by folks who are either new to the home buying market, or those who have unusual circumstances, requiring more “common sense” mortgage eligibility...
View ArticleIncome Qualifications FHA Mortgage Loans in NC
FHA Mortgage Loans are generally easier to qualify for than a more Conventional Home Loan from Fannie Mae or Freddie Mac. One reason for this is due to the fact that FHA Underwriters are able to look...
View ArticleStep 1 of Homebuying in Cary
The pre-approval process is a simple one, and will provide you with the options which meet your payment comfort zone. The process generally involved calling us and talking on the phone for 30 to 45...
View ArticleSecond Homes Near Boone, NC
There’s no doubt going to the Mountains of NC is something I love to do. I don’t do it very often, but when I can get to Boone and Blowing Rock, Grandfather Mountain and the Highland Games or up to...
View ArticleFHA Construction Loans in NC
We offer FHA Construction Loans in NC, and it’s a great option for those who have family land, or have purchased a lot that they want to build on. We make the loan to the land owner, and we give the...
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