First Time Home Buyer | Charlotte

Even if it is not your first home in Charlotte make sure to look here 1st.

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What makes a home purchase a good investment?

You want your home to be a great home as well as a great investment. Before looking at homes make a list of "must haves" and "would likes...

Buy vs Rent

Renting vs buying will usually be decided based upon needs, situation, and market. Either way you are paying a mortgage. Sometimes the co...

PreApproval vs PreQualification

Let's keep this one simple PreApproval - Credit Assets Debt and Income are reviewed, calculated, and Pre-approved by an Underwriter. Anyt...

How much is it going to cost me?

It's important to have an ideal of the cost associated with your home purchase Some will be out of pocket while others can be included in...

First Time Homebuyer, Avoid these 10 mistakes

New Debt - Imagine finding your dream home, getting your offer accepted, completing your inspections and appraisal, getting your loan app...

What is DTI and why does it matter so much?

Your Debt to Income Ratio will what programs you are eligible for and how much you qualified for. DTI = Monthly Debt (recurring) / Monthl...

Do I need to get a Home Inspection?

Short answer, yes. Not only should you get an inspection completed before purchasing a new home but you should get several. A home inspec...

How much do I need for a down payment?

Maybe put a little bit less down to keep money saved for a rainy day. Or to do the initial upgrades to your new home without taking on mo...

Home Search - What is the best app to use?

The best way to see available home listings will always be through the MLS database since it contains 100% of home listed. If you are ear...

What is Mortgage Insurance and why do I have to have it?

The reason Mortgage Insurance (PMI/MIP) like any other type of insurance is required is to cover a loss. For mortgages it is the risk of ...

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