NC Mortgage Experts http://ncfhaexpert.com First Time Home Buyer Tips, Best Mortgage Rates Wed, 16 Jul 2014 18:03:11 +0000 en-US hourly 1 http://wordpress.org/?v=3.9.1 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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Student Loan (IBR) and Mortgage Qualification 2014http://ncfhaexpert.com/first-time-homebuyer/student-loan-ibr-mortgage-qualification-2014/?utm_source=rss&utm_medium=rss&utm_campaign=student-loan-ibr-mortgage-qualification-2014 http://ncfhaexpert.com/first-time-homebuyer/student-loan-ibr-mortgage-qualification-2014/#respond Tue, 08 Jul 2014 15:35:44 +0000 http://ncfhaexpert.com/?p=8869 We’ve had a ton of questions from folks, looking for information about their Student Loans, and how the payments on the deferred student loans, and IBR Student Loan payments will be looked at when they are applying for a mortgage.  Unfortunately, these questions are pretty difficult to answer in any “broad” way…  because every mortgage […]

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How To Protect Your Credit During Divorce in North Carolinahttp://ncfhaexpert.com/credit/how-to-protect-your-credit-in-a-divorce/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-protect-your-credit-in-a-divorce http://ncfhaexpert.com/credit/how-to-protect-your-credit-in-a-divorce/#respond Mon, 07 Jul 2014 16:43:56 +0000 http://ncfhaexpert.com/?p=5741 Lately we have been running into more and more couples that are either going through a separation, or a divorce.  In many of these situations, one spouse wants to remain in the home – but the only way to do that, is to refinance the other person off of the mortgage.  Many times, we find that folks […]

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Divorce and Credit – What You Need To Knowhttp://ncfhaexpert.com/credit/divorce-and-credit-2/?utm_source=rss&utm_medium=rss&utm_campaign=divorce-and-credit-2 http://ncfhaexpert.com/credit/divorce-and-credit-2/#respond Mon, 07 Jul 2014 11:02:20 +0000 http://howtoimprovemyscore.com/?p=354 With the hard economic times people are facing – I guess it’s not surprising that we are seeing many more people who want to purchase a home – but have a messy divorce in their recent history.  Here are some tips for folks who have questions about Divorce and Credit, especially what they need to […]

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How Do I Start the HomeBuying Process?http://ncfhaexpert.com/first-time-homebuyer/start-home-buying-process/?utm_source=rss&utm_medium=rss&utm_campaign=start-home-buying-process http://ncfhaexpert.com/first-time-homebuyer/start-home-buying-process/#respond Wed, 02 Jul 2014 15:36:59 +0000 http://ncfhaexpert.com/?p=9146 We talk so many first time home buyers every week, and often times the conversation starts with, How do I start the HomeBuying Process -  They’ve looked online, they’ve talked to friends… and they’ve gotten the notice from their landlord that their Rent is going up. It’s pretty easy to calculate what the principal and interest […]

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Bankruptcy and VA Home Loanshttp://ncfhaexpert.com/va-loans/bankruptcy-and-va-home-loans/?utm_source=rss&utm_medium=rss&utm_campaign=bankruptcy-and-va-home-loans http://ncfhaexpert.com/va-loans/bankruptcy-and-va-home-loans/#respond Tue, 01 Jul 2014 10:20:26 +0000 http://ncfhaexpert.com/?p=1336 We are talking to folks every week who lost a job in the last several years, lost medical insurance – or had some other tragedy that made it necessary for them to take steps they never thought they would have to.  The reality is that in today’s economic conditions, unfortunately, bankruptcy has been the only […]

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USDA Student Loan Updateshttp://ncfhaexpert.com/usda-loans/usda-student-loan-updates/?utm_source=rss&utm_medium=rss&utm_campaign=usda-student-loan-updates http://ncfhaexpert.com/usda-loans/usda-student-loan-updates/#comments Fri, 27 Jun 2014 13:07:59 +0000 http://ncfhaexpert.com/?p=3497 USDA has long seen the benefit of a College Degree – and in fact USDA Home Loan Underwriters will use Higher Education as a “compensating factor” when a family is close on the debt ratios!  Unlike FHA and VA home loan underwriting, though, the no money down home loan programs offered through USDA COUNT deferred Student […]

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