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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!

Terence Guess at Atlantic Bay Mortgage Group 
Call him at (215) 280-2294 or Email Terence today.

About Terence: 

Terence Guess is just like you in many ways. Like you, he has purchased a house, is honest and upfront, and gets the job done. A long-time resident of Charlotte, he makes the process of buying a house seamless for families from all walks of life.

Terence is a deeply compassionate man who genuinely cares about people. Combining professionalism, 15 years of finance/mortgage experience and a desire to serve, he has the innate ability to connect with each individual. He says, “I get to know my customers by reviewing their credit application face to face and understanding what they are trying to accomplish via this transaction. I enjoy talking with them and communicating. I want to understand what they want to accomplish and their comfortability level.” He sets clear expectations early in the process and educates his clients.

Terence says, “I send clients articles about the housing market and current news affairs. Often when you read headlines, that’s exactly what it is—a headline. Get into the meat of the article and read specifically what they are talking about. I tell my clients what the articles mean and why the market is trending the way it is. I never want anyone feel like they’re in the dark when they to get to a closing table because they didn’t understand something that was transpiring. More importantly, I want them to feel that they did understand the process, felt like they were part of it, and that they made the decisions.”

Clients describe Terence as a member of the family, someone who genuinely cares, is always available, easy to talk to and a person who makes the process seamless. He says, “My job is to serve and to bring you all the facts and allow you to make the decision based on your comfortability level.

Terence recently coordinated a lunch for the Charlotte Men’s Shelter and organized Atlantic Bay volunteers to serve the lunch. He regularly volunteers at the shelter to serve lunch and help with resume writing. He says, “I care about my community. I care about our youth. It’s important to me that we show our community through our positive contributions.”

NMLS #1400129

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.

Kelly Starkey with LoanDepot
Call Kelly at (919) 569-8277 or Email Kelly today. 

About Kelly:     

Using 30 of mortgage experience, Kelly has become a trusted lending partner among clients and industry associates. She is committed to providing exceptional personal service. She prides herself on product and process knowledge, making every effort to recommend the best loan for each borrower’s needs. Kelly believes in the American dream of homeownership.

Outside of the office, Kelly enjoys spending time with her husband of 34 years, their daughter, son-in-law and 2 beautiful granddaughters. She enjoys travel and relaxing at their beach house, God’s Favor.  Kelly is also very involved in volunteer work in the community, including veteran outreach programs. She is a member of Mt. Pisgah United Methodist Church and a board member of Greensboro Urban Ministries.

Please contact her for any of your mortgage financing needs! You will be glad you did.

NC LIC# I-147119 

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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