NC Mortgage Experts http://ncfhaexpert.com First Time Home Buyer Tips, Best Mortgage Rates Thu, 28 Aug 2014 20:22:24 +0000 en-US hourly 1 http://wordpress.org/?v=3.9.2 USDA Loan Eligibility Maps for NC 2014http://ncfhaexpert.com/front-page/usda-loan-eligibility-maps-nc-2014/?utm_source=rss&utm_medium=rss&utm_campaign=usda-loan-eligibility-maps-nc-2014 http://ncfhaexpert.com/front-page/usda-loan-eligibility-maps-nc-2014/#respond Thu, 28 Aug 2014 19:22:08 +0000 http://ncfhaexpert.com/?p=9285 The 2014 Farm Bill Congress passed actually did us a huge favor in NC.  It says that USDA Rural Development must finally figure out which cities in North Carolina are “still” Rural, after all these years, and which ones are now, essentially Urban.  Once that determination is made for the State, we will have USDA Loan […]

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Your USDA Home Loan Might Not Really Be Approved Anymorehttp://ncfhaexpert.com/usda-loans/your-usda-home-loan-might-not-really-be-approved-anymore/?utm_source=rss&utm_medium=rss&utm_campaign=your-usda-home-loan-might-not-really-be-approved-anymore http://ncfhaexpert.com/usda-loans/your-usda-home-loan-might-not-really-be-approved-anymore/#comments Thu, 28 Aug 2014 13:16:24 +0000 http://ncfhaexpert.com/?p=6995 This is an update based upon our own experience sending files through the GUS (the Automated USDA System) each day, and our conversations with Lenders across the US.  These are NOT published changes to the USDA Automated System, however, we believe that more than 1/3 of borrowers who qualified for a USDA Home Loan in JULY […]

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Newlyweds Buying A Home in NC How Title Workshttp://ncfhaexpert.com/first-time-homebuyer/newlyweds-buying-home-nc-title-works/?utm_source=rss&utm_medium=rss&utm_campaign=newlyweds-buying-home-nc-title-works http://ncfhaexpert.com/first-time-homebuyer/newlyweds-buying-home-nc-title-works/#respond Thu, 21 Aug 2014 19:41:22 +0000 http://ncfhaexpert.com/?p=9252 Are you getting married, AND buying a home in NC?  Many people are looking at ways to incorporate these two big steps into a quick step in NC – and they are opting to get married and buy a house within weeks of each other. Many times folks get a “picture” in their head of […]

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Debt Waiver Request USDA Home Loan Updatehttp://ncfhaexpert.com/usda-loans/debt-waiver-request-usda-home-loan-update/?utm_source=rss&utm_medium=rss&utm_campaign=debt-waiver-request-usda-home-loan-update http://ncfhaexpert.com/usda-loans/debt-waiver-request-usda-home-loan-update/#respond Thu, 21 Aug 2014 14:00:51 +0000 http://ncfhaexpert.com/?p=7002 The USDA Home Loan program in North Carolina is one of the most popular mortgages available.  It carries much cheaper costs than most other programs, and does not have a down payment requirement.  The home must be within the USDA Home Loan Eligibility area, and every county in North Carolina has property that qualifies for […]

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Do I Need Title Insurance On My NC Mortgage?http://ncfhaexpert.com/first-time-homebuyer/do-i-need-title-insurance-on-my-nc-mortgage/?utm_source=rss&utm_medium=rss&utm_campaign=do-i-need-title-insurance-on-my-nc-mortgage http://ncfhaexpert.com/first-time-homebuyer/do-i-need-title-insurance-on-my-nc-mortgage/#respond Thu, 21 Aug 2014 13:38:40 +0000 http://ncfhaexpert.com/?p=5038 First Time Homebuyers we talk to want to know what is included in Closing Costs.  Obviously there’s an appraisal fee, a credit report – you might want to have a Home Inspection… but we often get asked what Title Insurance is… and the next question is, “Do I Need It??” Title Insurance:  This is a […]

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First Time Home Buyer! Mortgage Terms You Should Know!http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-mortgage-terms-know/?utm_source=rss&utm_medium=rss&utm_campaign=first-time-home-buyer-mortgage-terms-know http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-mortgage-terms-know/#respond Tue, 12 Aug 2014 14:41:46 +0000 http://ncfhaexpert.com/?p=9256 If you are recently married, you might be looking towards your next big event together, buying your first home together! We find that going through the mortgage process can be similar to going through the Wedding Planning – there’s so much to learn, plan, budget for, it can get overwhelming! There are also First Time […]

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How You Can Hold The Title Of A Home In NChttp://ncfhaexpert.com/housing-news/can-hold-title-home-nc/?utm_source=rss&utm_medium=rss&utm_campaign=can-hold-title-home-nc http://ncfhaexpert.com/housing-news/can-hold-title-home-nc/#respond Wed, 16 Jul 2014 17:48:52 +0000 http://ncfhaexpert.com/?p=9226 We talk to people all the time who want to “hold title” on their residential property in a way that protects them.  Sometimes, they want protection from a Tax perspective, sometimes it’s for Estate purposes – a parent wants to establish what will happen to the property when it passes to their heirs.  Sometimes, it’s […]

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Mortgage Loan Application Check Listhttp://ncfhaexpert.com/first-time-homebuyer/mortgage-loan-application-check-list/?utm_source=rss&utm_medium=rss&utm_campaign=mortgage-loan-application-check-list http://ncfhaexpert.com/first-time-homebuyer/mortgage-loan-application-check-list/#comments Tue, 15 Jul 2014 13:15:19 +0000 http://ncfhaexpert.com/?p=9228 When you contact us about getting a mortgage – we are probably going to talk on the phone for 20 or 30 minutes. Then, you might opt to come in to talk with us, and go over all of the details about buying a house. Here’s a checklist of items we will likely need to […]

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Looking for a Home – When Do I Apply?http://ncfhaexpert.com/first-time-homebuyer/looking-for-a-home-when-do-i-apply/?utm_source=rss&utm_medium=rss&utm_campaign=looking-for-a-home-when-do-i-apply http://ncfhaexpert.com/first-time-homebuyer/looking-for-a-home-when-do-i-apply/#comments Mon, 14 Jul 2014 19:12:18 +0000 http://ncfhaexpert.com/?p=99 This is a question that was posted recently on Trulia Voices… “Looking for a Home in the Triangle.  I think I’ll be ready to purchase in March of 2015.  When should I apply for a mortgage???” People who are considering a move to the Triangle need to plan for their home purchase.  If you will be […]

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VA Loan Residual Income Requirements in NC 2014http://ncfhaexpert.com/va-loans/va-loan-residual-income-requirements-nc-2014/?utm_source=rss&utm_medium=rss&utm_campaign=va-loan-residual-income-requirements-nc-2014 http://ncfhaexpert.com/va-loans/va-loan-residual-income-requirements-nc-2014/#respond Wed, 09 Jul 2014 15:00:10 +0000 http://ncfhaexpert.com/?p=8856 Veteran’s have one of the best mortgage programs available, with their VA Loan benefits.  The approval process, and underwriting guidelines for a VA Loan in NC have some “unique” requirements that we don’t find with other mortgage loans.  VA Loans actually have two different thresholds for loan approval.  Where we find a difference, is in […]

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