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The Good, Bad & Ugly

The Simplified Loan Process

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Ready to get started With Your Home Loan Process? We Can Point You In the RIGHT Direction.

Here is some helpful information about obtaining a home mortgage, and the steps you need to take to obtain a loan.


Step 1: Select A Lender You TRUST.

Unless you are already working with someone you trust, we recommend you speak with one of the lenders listed below...

Sharon Swift at Prosperity Home Mortgage
Call her at (336) 510-4444 or Email Sharon today.  

About Sharon: 

Thank you for considering Prosperity Home Mortgage for your home financing needs. I am a local, experienced and professional mortgage consultant.

We provide you with a wide array of products, programs and services throughout the home financing process. I am dedicated to providing exceptional service from application to closing, while helping you find a home financing option that meets your needs. I will work closely with you to help provide information so you can make informed decisions.

In addition, I provide:

  • Competitive rates and fees
  • Mortgage product information
  • Purchase or refinance
  • Prompt communication
  • High commitment to customer service

Even after your loan settlement, my service still continues. Please contact me today to start the process with a personal consultation. I look forward to working with you!


Team Starkey at Atlantic Bay Mortgage Group 
Call them at (336) 314-1300 or Email Team Starkey today.

About Team Starkey: 

Kelly and John Starkey have been in the real estate industry their entire careers. During her 30 years in the mortgage business, Kelly has worked in all aspects of lending. She’s an expert in structuring a loan to fit her clients’ needs. The Starkeys work with a dedicated team who are each experts in a piece of the home ownership puzzle. “That’s very important to achieving a smooth closing,” says Kelly.

John, a licensed general contractor, has worked primarily in new home sales. He’s very familiar with home construction, sales, and inspections — knowledge he puts to work for REALTORS® and home buyers. “Our goal is to help everyone who desires to own a home figure out the best way to get there,” he says.


Brian Malboeuf at Highlands Residential Mortgage
Call him at (336) 500-0349 or Email Brian today.

About Brian: 

                   

Brian Malboeuf is a Senior Loan Officer with Highlands Residential Mortgage. He began his mortgage banking career in 2004 after graduating from the University of North Carolina at Greensboro. Since then he has successfully helped thousands of individuals and families achieve the dream of homeownership.

One of Brian’s top priorities has always been to put his client’s needs first. In doing that he has consistently ranked as a top producer within his company over the years. He specializes in the origination of residential home loans in NC, SC, VA, TN, GA and AL and would be honored to have an opportunity to earn your business.

Brian, his wife Monica and their two boys reside in Kernersville, NC. Their boys, Carter and Cameron keep them busy on nights and weekends with school, sports and activities. In their free time they enjoy their getaways with their RV and time with friends and family.

Please feel free to contact Brian anytime without obligation. He would be happy to answer any question you may have about the mortgage process, programs offered or qualifications needed to purchase or refinance a home. You can visit Brian’s website at www.mortgagebankernc.com or you can email him at [email protected].

NMLS# 91431

            


Christie Caldwell at Highlands Residential Mortgage
Call Christie at (336) 681-6955 or Email Christie today.

About Christie: 

We offer the best mortgage tools available on the Internet – easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

NMLS# 112392


Matt Albert with SunTrust
Call Matt at (336) 471-1825 or Email Matt today. 

About Matt:     

Matt Albert (NMLS# 658999) specializes in the mortgage needs for licensed medical physicians, residents, interns and fellows, which include MDs (Medical Doctors), DOs (Doctors of Osteopathy) along with DMDs and DDS (including Dental Surgeons, Orthodontist and General Dentists).  As a Doctor Loan / Physician Loan Specialist, Matt attributes over 99% of his business to the Doctor Loan program which shows his knowledge and understanding of the product as he consistently ranks in the top 50 of all SunTrust Mortgage loan officers and as such has been named to Chairman's Team and/or President's Team distinction in every year of his career with SunTrust Mortgage.  While Matt has experience in all loan products he focuses on doctors and their specific situations and understands the process and transition period doctors go through from medical school, to training, to attending positions.  In fact much of Matt's business comes from "word of mouth" from previous physician clients, along with investment professionals that strictly work with physicians, resident coordinators, and physician recruiters.


Katie Auten with Helms Mortgage
Call Katie at (336) 478-6812 or Email Katie today.

About Helms Mortgage:      

We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual home buyers throughout the state.

We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. But that's just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.

And, now it's our pleasure to offer all of our exceptional mortgage services online. Through us you not only have access to the best loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan,at your convenience, online - 24 hours a day.


Step 2: Get Pre-Qualified.

In order to narrow your home search, we need to find out exactly how much home you can afford. Speak to a lender to get a pre-qualification or "conditional approval" letter prior to searching for homes. 

MICHELLE'S TIP: If we find a home you love and it's a multiple offer situation, a pre-qualification letter can increase your chances that the seller will select your offer, and it can help your offer stand out from others. 


Step 3: Select A Real Estate Agent You TRUST. 

This is a no-brainer...Select MICHELLE PORTER, of course! Click Here to Meet Michelle.


Step 4: Apply For A Loan.

It's a good idea to go ahead and start the loan process PRIOR to looking at houses. 

You'll need to provide some information and documents to your lender. Click Here to See a Mortgage Application Checklist.


Step 5: Find A House & Get It Under Contract.

Talk to your lender about "locking" in your rate. You'll also want to go over these Mortgage Do's & Don'ts, helpful guidelines to follow when purchasing a home.  


Step 6: Get Your Homeowners Insurance Finalized.

MICHELLE'S TIP: Contact the same carrier that you use for your auto insurance, because sometimes you can get a better rate with home and auto insurance "bundled" together. 


Step 7: Your Loan Is "Clear to Close". 

The lender receives the final loan approval, and a preliminary closing/settlement statement is created for your review. We will review the Closing Disclosure ("CD") with you, and you'll find out how much money you'll need to bring to closing, if any. 

MICHELLE'S TIP: If you need to bring money to closing, it must be in the form of "certified funds", made out to the closing attorney. The attorney will transfer the funds to the seller. 


Step 8: Closing Happens!

Closing usually happens at a real estate attorney's office that YOU will select (Click Here to See Our Recommendations). At closing, you will sign a lot of mortgage loan documents. Then, the attorney will confirm loan funding and will disperse the money to various parties, including the seller. You'll leave with the keys to your new home!

MICHELLE'S TIP: Don't forget that you will need to bring a valid driver's license with you to closing! 


Welcome Home!

Have Questions?

Fill out this form to speak to a member of our team or contact Michelle Porter directly at (336) 207-0515

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