Owning real estate is one of the best and most proven ways to build wealth. Now, buying rental property has become much easier. Whether buying investment property for the first time or a seasoned real estate investor, there is a program which practically qualifies the buyer solely on the rental property. Imagine being able to […]

Probably the biggest perceived hurdle to homeownership is lack of down payment. Although, buying a home with little to no money down is easier than you think. In addition to no down payment loans like VA loans and USDA loans, down payment assistance saves the day. One down payment assistance source we provide is the […]

Commission income comes with the ability to make more income. Yet, this form of income usually comes with fluctuating ups and downs. Which is why mortgage loan guidelines want to see a history. Usually a minimum 2 year history for commission or bonus income. Even though many lenders require two years, we follow the FHA […]

Buying a home for your parents or adult disabled child with 5% down payment. Get the benefits of a primary residence loan (low down payment and better rates) without having to live in the home!

Use these easy to understand USDA eligibility map instructions to find your new home

Yes, you can get a construction loan with a VA loan. On top of that, our construction loan will match a no money down VA loan. Furthermore since VA loan limits go away on January 1, 2020, it is possible for no money down construction loans that are over the conforming loan limits! Most VA […]

Rising home prices make it tougher for buyers to find affordable housing. Although, manufactured homes provide a lower price option for today’s buyer. Fortunately, there are several manufactured home loans available for buyers and homeowners. But to obtain financing, a manufactured home foundation inspection must be performed. Why? Because lending agencies want to ensure the […]

Active military & Veterans have a great option to build a home with no money down. Furthermore, new VA loan rules now allow 100% construction financing with no limit! So, who are the VA construction loan lenders providing these benefits for VA eligible borrowers? For NC, SC, VA, & MD, we are a VA construction […]

Today, many first time home buyers feel their student loan debt and lack of down payment prevents the chance of home ownership. But, breaking news effective September 23, 2019 is that USDA student loan guidelines have finally changed! Meaning it is easier for buyers to qualify with student loan debt! Before, USDA debt to income […]

Although FHA guidelines became a little more strict in 2019, an FHA loan is still one of the best ways to buy a home. Not only do FHA loans provide a low down payment, they also offer very flexible underwriting guidelines. Several popular FHA loan guidelines which can save a home purchase include… Qualifying with […]

For most people, this is not a popular topic. But, for ministers and pastors looking to build, refinance, or buy a home, it sure is. First of all, pastoral income can vary widely. Furthermore, many lenders do not understand how to count clergy housing allowance as income. Therefore, finding a mortgage lender who understands clergy […]

The purpose of a VA loan is to provide affordable financing for current military, Veterans, and qualified surviving spouses to purchase, refinance, or build a primary residence. But sometimes there is a roadblock called the VA loan occupancy requirement. Although these solutions are not spelled out in the VA guidelines, we have a long history […]

Many dream of buying a second home. Whether the goal is to get away to relax or play, it is more possible than ever. Along with the combination of great interest rates and loan programs, more are able to make it happen. Another key 2nd home strategy includes using vacation rental income to make your […]

Getting a mortgage can be daunting and confusing, we know this.  Most people do not get a mortgage loan all the time and things that may seem like small unimportant life events. Make sure to do these during the mortgage process Check your credit early with your loan officer; if there are issues that need […]

For you landlords who are about to rent your home to new tenants make sure that the most common landlord insurance claims cover you. Your houses are your investment and for many serves as a source of income. Standard building and content insurance generally do not protect you from tenant related risks, but landlord insurance […]

When looking to buy, build, or refinance a home using a VA loan, a VA appraisal must be performed. Although, the exception is that an appraisal is not required on a VA Interest Rate Reduction Refinance Loan (VA IRRRL). The purposes of this VA valuation report are to determine the value, condition, and safety of […]

One of the biggest projects most homeowners take on is remodeling their kitchen. A kitchen remodel is also one of the most expensive upgrades to your home. You may wonder if you have enough money in your budget to cover all the designs you covet. According to HomeAdvisor, an average kitchen remodel costs between $12,555 […]

Did you know that Veterans probably have the best loan available for buying a home? But, when it comes to building a home, VA loans do not seem to be mentioned as an option. So, finding someone who can combine VA loan benefits like borrowing up to 100% of appraised value along with a construction […]

Qualifying prospective and current South Carolina residents could benefit from a property tax exemption. Basically, an exemption means free from property taxes. Fortunately, there is a great property tax savings for SC homeowners who are over 65 years old, totally and permanently disabled, or legally blind. Meeting these criteria could mean using the lifetime Homestead […]

High moisture content can cause serious damage to a home and it constantly creeps into a home’s crawl space. High humidity is especially prevalent in coastal areas including here locally in Southeastern NC. Basically, if one lives in coastal NC or SC, crawl space moisture is a dangerous enemy to their home. Plus, it is […]

What is Mortgage Recasting? You may have heard the term “mortgage recast”, or “recasting a mortgage”, and wondered what it means, and if you could benefit from it. Basically recasting a mortgage means that you pay a lump sum of money towards the mortgage, and your lender re-amortizes the remaining balance. This will result in […]