CarolinaMortgageConnection.com

Wow… I never imagined we’d be sitting in this position. Mortgage rates for the Charlotte area and all the Carolinas are lower than I ever expected! Right now the question isn’t “Do you want to refinance your mortgage?”… it’s “HAVE YOU REFINANCED YOUR MORTGAGE YET?”

We are seeing the lowest rates of our lifetimes right now… a 30 year fixed mortgage rate today would blow away what we thought were great mortgage rates last year!

If you have not yet refinanced your Charlotte home loan, now is the time. Request your rate quote today!

Wow! Have you checked on mortgage rates lately? Mortgage rates in Charlotte are very low. As a matter of fact, these are some of the lowest Charlotte home mortgage rates we have ever seen!

How low? Well, lets just say you may be very surprised! I have made a practice to NOT publish mortgage interest rates here on the website, only because mortgage rates tend to change daily and in many cases multiple times a day. To keep up with that would require me to sit at the computer and monitor the info 24/7. And beyond that, advertising the lowest possible rate with the perfect scenario to qualify always seems to come across as a bit bogus to me… lol.

However, you need to find out what the low mortgage rates look like for the Charlotte market. With these low mortgage rates, now is the best time EVER to buy a home or refinance your current Charlotte home mortgage loan.

Use our secure mortgage application to find out where you qualify. There is no obligation but the information can literally change your life (and I am not exaggerating here!)

Apply Now for a Charlotte Home Loan

If you are thinking about buying or selling a home in the Charlotte area, you may want to consider talking to The Ramsey Group. They just launched a new website www.yourcharlotteconnection.com to help buyers and sellers in the Charlotte area. The new site was just launched, and though it is still in “starter” mode, there are a lot of features, including a MLS home search and a Moving Center with a free moving truck!

So be sure to visit www.YourCharlotteConnection.com and check it out!

YourCharlotteConnection.com is a real estate website designed by Found By Design

Whether you have an FHA mortgage currently or a standard conventional mortgage, you have the option to refinance into a great FHA mortgage loan in Charlotte and save a ton of money!

One of the advantages of an FHA mortgage is the higher loan to value allowed. With an FHA mortgage, you can borrower up to 95% of the property’s value. For example, a home in Charlotte worth $200,000 could borrow $190,000 using a Charlotte FHA mortgage! With conventional mortgages, loan to value limits of 90% with no cash out and 75% with cash out can severely limit your options. An FHA mortgage in Charlotte allows much more flexibility in the amount you can borrow.

The other great news is in regards to interest rates for FHA mortgage loans. Charlotte is seeing tremendous rates and this even applies to FHA. Your new FHA mortgage rate could be much lower than your current mortgage saving you a ton of money!

So if you are considering refinancing your home in the Charlotte area, you should consider an FHA mortgage loan. Charlotte still qualifies for FHA mortgage limits of $271,050.00, so this means a lot of Charlotte homeowners could take advantage of this. Ask for more information today!

{{fha}}

What a year 2008 was! We in Charlotte didn’t get hit as hard, but we have felt the effects. While there has been a tremendous amount of bad news, one very good bit of news has come from all of this… now is the absolute best time to refinance your mortgage in Charlotte!

Charlotte mortgage rates are among the lowest we have ever seen! In many cases, refinancing your mortgage today could save you not only hundreds of dollars a month, but also thousands of dollars over the life of the mortgage! So refinance your Charlotte home mortgage today and start saving!

One of the concerns in refinancing a mortgage in the Charlotte area is property values. Since the amount you can borrow is based on the value of the property, this is a valid concern. And while property values across the nation have seen sharp declines, we are fortunate here. Property values here have seen minimal declines, meaning refinancing your home loan in Charlotte can be much easier that elsewhere!

If you have questions about refinancing your home loan, or would like to find out what mortgage rates in Charlotte look like today, please feel free to request more information. A Charlotte home loan specialist will contact you with the information you need.

Considering buying a home in 2009? Just outside Charlotte is a great little town called Indian Trail. Homes in Indian Trail are charming and affordable. And with Indian Trail being the second largest town in Union county you are also close to all the ammenities you will need.

While I don’t have time right now to highlight all of Indian Trail’s great features… trust me, this town is worth checking out! There are a number of real estate agents in the area and Indian Trail home loans are definitely available. So consider Indian Trail homes if you are looking to buy a home.

Although my main focus has been on the Charlotte mortgage loan business over the years, it may surprise many folks to know that I have helped people find mortgage loans in Winston Salem NC as well as many areas of the Carolinas. You see, the mortgage license I have is for all of North Carolina, so whether its a home mortgage loan in Winston Salem, an FHA home loan in Greensboro or even a mortgage refinance loan in Raleigh, I can help North Carolina families get the home mortgage loan they need.

One of my favorite clients was in Winston Salem. She was a single mom that needed to get a few bills off her back. After we found the right mortgage loan to refinance her current Winston Salem mortgage, she was able to save hundreds of dollars a month and even got caught up on a few bills. The difference it made in her life was just awesome.

I enjoy searching for Winston Salem home loans for clients in the area. Having lived in Lexington, NC for well over a decade, I became very familiar with Winston. I enjoy the area and the people. So anyone in need of a home mortgage loan in Winston Salem, NC please feel free to say hi!

Credit lending today has certainly tightened up. People that could get financed only a year ago can’t seem to get any financing today. With the tightened credit requirements, many are beginning to see identity theft on the rise. That means you need to seriously consider doing something that will help protect your good credit.

One way to help protect your credit rating is to consider a third party program such as LifeLock. LifeLock is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee! (Click here to get a 10% discount.) This means that if anyone were to steal your identity, LifeLock will spend up to $1,000,000 to clear your name. From what I have seen and heard, the clean up after the ID theft is the nightmare part, so with this kind of guarantee, you should get back to normal much quicker!

Getting approved for a Charlotte mortgage home loan is tough enough in today’s mortgage market. Don’t risk your good credit without some assurances. By protecting your credit rating today, you will help ensure that when you are ready to buy your home in Charlotte (or beyond) that you will be able to get approved for the mortgage loan you are needing.

LifeLock is offering a 10% discount! 

President-Elect Obama,

Please accept my congratulations for your victory in the Presidential elections. You excelled at the challenge and won the confidence of the people. Kudos to you sir.

While I was not a supporter and do disagree on a number of issues, I am at heart an American and a patriot. Therefore, I will support you with my respect and my prayers and trust that your heart and soul is dedicated to the service of this great country. My hope is that your focus will be completely on helping America in all the ways you can and not just on items such as a new Presidential seal.

I will admit that I admire the way in which you won. Sure, with such low approval ratings for the outgoing President, the mantra of Hope and Change was an easy sell to just about anyone. So easy that even McCain adopted it! And the idea that you wanted to do a “different kind of campaign” was admirable, even if the wheels fell off and we ended up with politics as usual at the end. While there is nothing new in your campaign slogan (we’ve heard about the promise of “change” for many elections) I must acknowledge your campaign’s strength in utilizing pop-culture and technology for not only mobilizing your base, but also for expanding and exciting the people in general.

Mr. Obama, you have promised Americans a great deal and expectations are to some extent unrealistically high. I certainly hope you are up for the challenge of fullfillment. I do ask that as you go about the next 4 years, please make sure that your goals and agenda for change is tempered by wisdom as to how it will affect all of us, not only today but for generations to come.

Best of luck and success in your new role. May God bless your hand as you make the hard decisions that will face you even if we never know of them. And may God return his blessing to America.

Ed Nailor

I just checked out the tax calculator found at http://newsdayinteractive.com/community/taxes.php?s=0&t=0 and discovered something very interesting.

Let me run through a couple scenarios for you.

First, let’s figure a couple with 2 kids making about $75,000 a year combined. According to this calculator, the Obama plan would save you roughly $1000 a year in taxes. This equates to getting $83 a month in actual relief. So electing Obama will get you a $1,000 a year pay raise at least until the Democrats allow the current Republican tax cuts to expire. Then you will most likely see this saving go away. So all in all, Obama is going to pay for your cable or satellite bill.

Now, lets see how someone that owns a company and makes a very good living would fare. Lets say a married couple with 3 kids makes roughly $2,000,000 a year. Their tax bill will increase by $109,544. That’s about $9100 a month. Sure, it seems like something “fair”, however if you consider that this guy to improve his business might want to hire a couple people, this is not a good deal. $109,000 would easily help 2-3 families do more than just enjoy cable!

So let me ask you… which would be a better way to stimulate growth in our economy? Pay your cable bill, or create new jobs? The choice is yours… choose well.

  or