Truth: If you can afford to pay monthly rent, you may be able to afford to make a monthly mortgage payment. To find out how much mortgage you can afford, let’s talk.

We offer a mortgage pre-qualification then pre-approval after you’ve supplied proof of your debt, income, and etc. 

Truth: Having a 20% down payment is ideal, but plenty of people don’t have that much money to put down. The good news is that there are many programs available for borrowers who can’t afford a large down payment. For example, with a Government FHA loan, qualified borrowers can put as little as 3.5% down on their home. We also have several ZERO down options. Additionally, VA loans are available to qualified service members and veterans with no money down.

Truth: Your credit score doesn’t have to be flawless to find a mortgage that fits your budget. Credit history is certainly one of the factors that determines whether a borrower is approved for a loan and also impacts the interest rate a borrower is offered. There are many mortgage programs available to borrowers with lower credit scores.

So if you have less than perfect credit, don’t give up on the idea of getting a mortgage.

Truth: You may think you can’t afford a home, but what about all that money you’re spending on rent? When you pay your mortgage, the money is going back into the equity of your home. That means you’re getting a real return on your investment as the years go by.

FYI: If you’re a first-time home buyer, you may also be able to take advantage of special programs in Winston Salem - Forsyth County that help with closing costs and provide down-payment assistance.

Truth: While the mortgage process can be complex, it doesn’t have to be stressful. When you choose me, you’ll have access to an experienced professional who can guide you through each step of the process. Our mortgage team is dedicated to providing personalized support and guidance. We’ll walk you through the entire process, answer your questions, and ensure a smooth experience.