Qualify for a Mortgage With Multiple Income Sources
How to Qualify for a Mortgage With Multiple Income Sources in Raleigh, NC Buying a home often requires income stability that lenders trust. Many buyers today work more than one job, have side hustles, or receive freelance or 1099 income. You might ask: “If I work two jobs or earn income from a side hustle, […]
What a Raleigh Mortgage Broker Does That an Online Rate Quote Never Will
What does a Raleigh Mortgage Broker Do? Certified Home Loans in Raleigh offers a level of strategy and guidance that online rate tools cannot provide. Homebuyers across Raleigh, Cary, Apex, Holly Springs, Garner, Wake Forest, Durham, and nearby towns get more than a rate number. They get a plan that strengthens approval, protects the budget, […]
Why Raleigh Mortgage Rates Don’t Always Drop When the Fed Cuts Rates
Why Raleigh Mortgage Rates Don’t Always Drop When the Fed Cuts Rates It seems logical: when the Federal Reserve announces a rate cut, mortgage rates should immediately follow. After all, lower Fed rates should mean cheaper borrowing, right? Not exactly. Here in Raleigh and across North Carolina, mortgage rates often move independently from what the […]
Mortgage Application Denied – Why & How to Avoid It!
Why Your Mortgage Application Loan Could Get Denied — And How to Avoid It in Raleigh & Greensboro, NC Picture this: You’ve found the perfect home in Raleigh or Greensboro, NC. You can already see yourself relaxing on the couch, grilling in the backyard, and maybe even picking paint colors. Your offer is accepted, your […]
Seller-Paid Buydowns Can Save You Thousands on Your Mortgage in Raleigh
The $10K Trick Most Homebuyers Don’t Know (But Should) You’ve found the home you love — listed at $400,000. You’re ready to make an offer and start wondering:“Should I go in at $390,000 and try to save $10K upfront?” Seems smart, right? But what if there’s a better way to use that $10K — one […]
FHA Loans in Raleigh: Benefits, Requirements, and How to Qualify as a First-Time Homebuyer
Understanding FHA Loans: A Guide for Raleigh Homebuyers For many prospective homeowners in Raleigh, NC, the path to purchasing a home can seem daunting, especially when considering credit scores and down payments. Fortunately, Federal Housing Administration (FHA) loans offer a more accessible route to homeownership and The Raleigh Mortgage Team at Certified Home Loans is […]
How to Qualify for a Mortgage with Student Loan Debt in Raleigh, NC
Navigating Mortgage Approval with Student Loan Debt in Raleigh, NC Purchasing a home is a significant milestone, but for many in Raleigh, NC, student loan debt can pose challenges in the mortgage approval process. At Certified Home Loans, we understand these concerns and are here to guide you through the intricacies of securing a mortgage […]
How to Get a Mortgage: 6 Simple Steps from Pre-Approval to Closing
Mortgage Process Explained How to Get a Mortgage in 6 Steps Getting a mortgage can feel overwhelming. You’ll need to make big decisions about mortgage types, lenders, and properties. But at its core, the mortgage process comes down to six clear steps: pre-approval, house shopping, mortgage application, loan processing, underwriting, and closing. Understanding each step […]
Debunking the 20% Down Payment Myth
Debunking the 20% Down Payment Myth: Why Waiting Could Cost You in Raleigh One of the biggest misconceptions about buying a home in the Raleigh area is the belief that you must have a 20% down payment. While this sounds like a responsible strategy, waiting to save that much could cost you more in the […]
Understanding the Escrow Process
Understanding the Escrow Process in North Carolina Home Sales In North Carolina, the escrow process plays a pivotal role in ensuring smooth and secure real estate transactions. Whether you’re a first-time homebuyer or a seasoned investor, comprehending how escrow functions in the Tar Heel State can enhance your confidence and preparedness throughout the home-buying journey. […]
