Posts Tagged ‘Refinance’

Rates today improved and home owners in Charlotte NC could benefit from refinancing their Charlotte home! Many of our customers are saving a ton of money each month by refinancing and consolidating debts into one low fixed rate mortgage!

Under current FHA mortgage guidelines, you could do a cash out mortgage refinance in Charlotte and not be charged a higher rate just because you did a cash out refinance. Most Fannie Mae and Freddie Mac loans actually charge a higher interest rate for your mortgage refinance when you get cash out to pay off debt. SO this makes the FHA mortgage loan a much more attractive option.

Take a look at this example:

What could you do with another $552 a month?!?

Apply now for your Charlotte Mortgage Refinance Loan.

Mortgage Rates for Charlotte mortgages get better

Today we actually saw an improvement in mortgage rates for the Charlotte mortgage market. For the past few weeks we have consistently seen mortgage rates in Charlotte erode. However, today there was some improvement which was a welcome change.

If you are in the market to buy a home in Charlotte, or need to refinance your Charlotte home loan, now is the time to make your move. Mortgage rates are expected to continue to worsen as the summer continues, so waiting can cost you a lot of money.

I urge all Charlotte Realtors and agents to act now and get your home buyers qualified now. With the great number of homes for sale in Charlotte, this is the best opportunity to buy a home we have seen in a long time. This is especially true for First Time Home Buyers in the Charlotte NC market! With no home to sell, and only rent to walk away from, first time buyers should be jumping at the opportunities in front of them!

Act now and take advantage of the low mortgage rates available for the Charlotte area.
Apply for a Charlotte mortgage loan now and get started!

Charlotte Refinance Mortgage Loans

Attention Charlotte Home Owners: If you are considering a potential mortgage refinance in the Charlotte NC area, you should act now! Charlotte refinance mortgage rates are still very low!

Charlotte home owners are refinancing their mortgages in large numbers! With so many people deciding to stay in their homes, Charlotte refinancing is hot. By refinancing your mortgage today, you can lock in a lower mortgage rate, obtain a lower mortgage payment or even consolidate your bills.

With gas prices on the rise and the cost of living getting tougher, now would be the best time to refinance your mortgage in Charlotte and get a better mortgage program. Get cash out to pay off other debt or improve your home. Lower your monthly mortgage payment and give your budget a break

Fixed Rate Mortgages Better Than ARM

Charlotte Home Owners… Do you currently have an Adjustable Rate Mortgage (ARM)?  Today’s fixed rate mortgage loan may be a better option. Refinancing your old adjustable rate mortgage to a low fixed rate Charlotte mortgage could make more sense than you realize!

Yesterday’s ARM mortgage rates were unbeliveably low attarcting many home buyers and home owners decided to go with an adjustable rate mortgage to capitalize on the savings. But now many of those ARMs are getting ready to reset. It’s time to explore options.

Today’s fixed mortgage rates in Charlotte are still near historic lows. As a matter of fact, they are so close to ARM mortgage rates that it just makes more sense to go with a fixed rate. And as Charlotte mortgage rates begin to rise over the coming months, waiting could cost you a lot of money later.

If you live in the Charlotte area and currently have an ARM mortgage, now is the time to check out your options. Call today and find out how much you can save by refinancing your mortgage loan to a low Charlotte fixed rate mortgage.

Broken ARM? The Doctor is In!

If you are currently suffering from a broken ARM (adjustable rate mortgage), or if your ARM is threatening to break, you need to call the ARM Doctor now!

As your mortgage’s primary care specialist, I will help you diagnose the problems that your mortgage ARM is causing, or may cause in the near future. I can offer suggestions on how to correct the problem, including refinancing your adjustable rate mortgage into a low fixed rate mortgage.

Homeowners all over North and South Carolina, including Charlotte, Matthew, Concord, Gastonia, Huntersville, Rock Hill and beyond are saving money now with great low mortgage rates and fixed mortgage terms.

With amazing products like the FHA refinance mortgage that allows up to 95% cash out, you can save hundreds of dollars each month! Lower your payments, pay off debt (debt consolidation) and secure your best mortgage rate today!

Call me now and let me examine your mortgage situation. Even if you are not strapped with a broken ARM, a free mortgage consultation can let you know if your mortgage is in perfect health, or if you can get a better mortgage.

In Charlotte, call 877-411-9327. As a matter of fact, you can call that same number from anywhere in the Carolinas! Or apply online to refinance your mortgage for a better mortgage.

Campaign to Fix your ARM

Both North and South Carolina have a tremendous number of ARMS that need fixing. Today I am launching a campaign to Fix your ARM! (adjustable rate mortgages)

- No longer must you live with a broken mortgage program that threatens your home’s security!

- No longer must you worry about what mortgage interest rates do… it won’t matter to you!

- No longer will the news of foreclosures scare you!

- No longer will you worry about your struggling budget and personal economy!

As your Charlotte mortgage lender, I will stive to Fix your ARM! I will work diligently to refinance your adjustable rate mortgage into a fixed rate mortgage with no surprises! I will not rest until your mortgage refinance saves you money and saves your personal economy! I will press on in Charlotte, Gastonia, Monroe, Matthews, Cornelius, Lake Norman, Huntersville, Concord and all of North Carolina and all of South Carolina until I have helped every single home owner I can refinance out of that adjustable rate mortgage they are struggling with!

I will work hard to bring you a lower mortgage rate. I will work with blood, sweat and even tears (yes, tears!) to lower your monthly mortgage payments! If you are in need to refinance your mortgage in Charlotte, or anywhere in North and South Carolina, I am here to be your mortgage lender!

I will not run a campaign based on negative smear campaigns, but I will speak the truth! I will find hope for you and help you overcome the financial challenges your adjustable rate mortgage payment has burdened you with! No, I am not able to walk on water, but I do one hell of a job in getting you a better, lower, cheaper mortgage in Charlotte!

So be sure to Vote Now! Cast your vote and apply to refinance your mortgages in NC and SC now!

Vanilla Mortgages now 31 Flavors!

In the past, conforming and FHA mortgages have been considered “vanilla” mortgages. The reason for that label is that for many years these loans were very easy to do. Simply put the information into the computer and voiloa! you had your approval. My have things changed!

Over the past several months, lenders have changed guidelines and added “layers” to the risks involved with creating a mortgage. Used to be if you put 20% down, you pretty much could get approved. Now, even with 30% down, some people are having trouble. Why is that?

I would tend to think that the biggest reason so many lenders are getting turn downs is because they don’t know how to structure the deal properly from the beginning. Too many loan officers are just trying to keep up and have no way to keep up with the changes in the marketplace. So more and more loans are becoming turndowns. And once turned, too many loan officers have no idea what to do next and can’t give any advice on how to improve the chances of getting approved.

The Carolina Mortgage Connection works with all loan appliacants. We have great success with the Good, the Bad and the Ugly! The Good still require more work that we have seen in the past, and while almost any monkey can get someone with a 720 credit score approved, we specialize in structuring the deal to get it closed quickly and efficiently. The bad and the ugly require more work, but our success rate in getting approved and closed is high!

If you are in the market to buy a home in Charlotte or to refinance your Charlotte mortgage loan, let the mortgage loan experts in Charlotte get your mortgage application approved! Call us now at 877-411-9327.

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Need to Refinance your Charlotte Mortgage?

Now may be the best time ever to refinance your Charlotte mortgage loans. A mortgage refinance loan in the Charlotte area is still fairly easy to do. In most cases you can lower your mortgage interest rates, lower your mortgage payments and often times can consolidate other higher rate debts.

Many areas around the country are having trouble with refinancing mortgages. This is due to the declining values. However, Charlotte does not suffer from declining values as our growth has been slower and steadier than the rest of the country. So that allows more flexibility and more options when it comes to a mortgage refinance in Charlotte NC.

If the interest rate on your mortgage seems high to you, chances are it is! If your current mortgage program is an adjustable rate mortgage, its time to fix your mortgage. Today, Charlotte’s fixed rate mortgages are cheaper than most adjustable rate mortgages! Sticking with that ARM with the fixed mortgage rate options available today may not be the smartest choice.

Let the professionals of the Carolina Mortgage Connection help you determine if you could benefit from a mortgage refinance loan in Charlotte North Carolina. From conventional mortgages to FHA and VA mortgages, we have all the options and programs to find the perfect fit for your needs. And with the lowest, cheapest, best and most affordable mortgage rates Charlotte has seen in decades, now is the best time to refinance your Charlotte home mortgage.

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Why do you do that?

It’s a common question asked. When compared to Snakes, Liars, Politicians and Cheaters it’s easy to see why people ask me why I do what I do. But for me, the answer is easy! I love helping people!

I love helping a first time home buyer realize a dream they never imagined would happen! I love assisting a family buying their “move up” home because they have outgrown their starter home. I love helping a family refinance their home mortgage and save hundreds of dollars, allowing them to breathe a sigh of relief! I love helping our military veteransown a piece of this great country they have served!

In short, I love what I do!

Sure, there has been a lot of bad press about the mortgage industry as of late. Much of it, although somewhat misleading, is deserved. Over the past several years, mortgage companies offered ill-advised loans to the wrong borrowers. And with so much “easy money” flowing and over inflated profits realized, even the most reserved of mortgage lenders jumped too far in. So now the entire country is having to correct itself and many people are paying the price.

However, with all the bad news, there is good news too. The Charlotte North Carolina real estate market is still very strong. Charlotte mortgage rates are still at all time lows. And if you have been on the fence about buying a home, Charlotte FHA and VA mortgage loans could make this the best time to buy ever!

So when seeking a Charlotte mortgage company to work with, be sure to find someone that loves what they do. It should be their passion, not their job.

Charlotte VA Mortgages still offer 100% Loans

In a lending environment that is running away from no money down mortgages, there are still no money down Charlotte VA veteran mortgage loans! Read the rest of this entry »