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. […]
Unlock Your Path to Homeownership with Certified Home Loans!
Unlock Your Path to Homeownership with Certified Home Loans! Embarking on the journey to homeownership in North Carolina is a significant milestone, filled with excitement and anticipation. However, amidst the thrill of house hunting and envisioning your dream home, it’s essential to delve into the nitty-gritty details of purchasing a property. One crucial aspect that […]
Navigating the Closing and Post-Closing Milestones
Embarking on the journey to homeownership in Raleigh or Greensboro, North Carolina, is both exciting and complex. As you approach the final stages, understanding the closing process and subsequent steps is crucial for a seamless transition into your new home. This comprehensive guide will walk you through the essential closing and post-closing milestones, ensuring you’re […]
Mortgages with No Closing Costs
Certified Home Loans – Mortgage Broker – Raleigh, NC Understanding the Benefits of Mortgages with No Closing Costs When buying a home in Raleigh, NC, understanding your options is crucial. One often-overlooked choice in the mortgage landscape is the no closing cost mortgage. This type of mortgage can simplify the process and save you money […]
How Interest Rates Impact Your Home Buying
How Interest Rates Impact Your Home Buying Power Interest rates play a pivotal role in the home buying process, directly influencing your purchasing power and the overall affordability of homes in Raleigh and Greensboro, North Carolina. As of April 1, 2025, mortgage rates have seen notable fluctuations, impacting both buyers and the broader housing market. […]
Buying a House Solo vs. Together
Buying a House Solo vs. Together: What You Need to Know So, you’re ready to buy a home in Raleigh, NC — exciting! But here’s the big question: Should you go it alone or team up with someone? Your decision impacts everything from your borrowing power to your loan terms, and there are major differences in how lenders […]
