Carolina Mortgage Insights with Paul Mattos
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Buying a Home With Room for Mom
Planning for a parent to live with you? How to finance a home with an in-law suite, an ADU, an addition or a separate home for Mom in North and South Carolina.
Moving Money Before Closing
Selling a home, moving 401(k) or brokerage funds, or using Venmo? How to move money before closing without delaying your loan, and what lenders need to see.
Buying With a Partner or Spouse
Who goes on the loan, who goes on the deed and does your spouse have to sign? How buying with a partner or spouse works in North and South Carolina.
Points vs. Lender Credits
Pay points for a lower rate or take lender credits for lower closing costs? How to find your break-even and choose the right option for your NC or SC loan.
Should I Sell My House or Refinance?
Staying, selling or keeping your home as a rental? How to compare a refinance, HELOC, sale or rental in NC and SC, including taxes and what you actually net.
Moving to the Charlotte Area From Elsewhere in NC or SC: 2027 Homebuying Guide
Moving to Charlotte from Raleigh, the Triad, Columbia, Charleston or Greenville? How to choose NC or SC, compare taxes and time the sale of your current home.
Moving From Boston or Connecticut to the Charlotte Area in 2027: Homebuying Guide
More house for the money, lower property taxes and familiar attorney closings. What Boston and Connecticut buyers should plan for before buying in the Charlotte area.
Moving From Chicago to the Charlotte Area in 2027: Homebuying Guide
Lower property taxes, smaller transfer taxes and more house for the money. What Chicago-area buyers should plan for before buying a home in the Charlotte area.
Moving From Pennsylvania to the Charlotte Area in 2027: Homebuying Guide
Lower transfer taxes, no local wage tax and a different retirement tax picture. What Pennsylvania buyers should plan for before buying a home in the Charlotte area.
Moving From Texas to the Charlotte Area in 2027: Homebuying Guide
No income tax in Texas, lower property taxes here. A Charlotte-area mortgage broker's guide to the tax trade-off, attorney closings and using your Texas home equity.
Moving From Atlanta to the Charlotte Area in 2027: Homebuying Guide
Moving from Atlanta to Charlotte or Fort Mill? Here's what feels familiar, what changes with taxes and NC contracts, which areas fit and how to handle your Georgia home.
Moving From Florida to the Charlotte Area in 2027: Homebuying Guide
Florida is the top state sending movers to North Carolina. Here's what changes: state income tax, losing Save Our Homes, insurance, condo sales, NC contracts and closings.
Moving From Ohio to the Charlotte Area in 2027: Homebuying Guide
Moving from Ohio to Charlotte? Here's what changes: higher home prices than most Ohio metros, different taxes, NC due diligence fees, attorney closings and how to time your Ohio sale.
Conforming vs. Jumbo Loans: What Carolina Buyers Need to Know
A higher-priced home doesn't always mean a jumbo loan. Here's how conforming limits work in the Carolinas and how to decide which loan fits your purchase.
New Fannie Mae Rule Makes It Easier to Turn Your Current Home Into a Rental
Keeping your current home as a rental? Fannie Mae's new rule uses market rent instead of a signed lease. Here's how the 75% calculation and reserves work.
Best Charlotte Areas for $1 Million+ Homebuyers
Explore Charlotte’s best areas for $1 million-plus homes, from Myers Park and SouthPark to Weddington, Lake Norman and the South Carolina side—plus financing and relocation considerations.
Buying in Charlotte Before Selling Your Home in Another State
Relocating to Charlotte with a home still to sell? Learn how to qualify with two payments, use equity, handle contingencies and time both closings.
Moving From California to the Charlotte Area in 2027: Homebuying Guide
Moving from California to Charlotte? Learn how equity, RSUs, remote West Coast jobs, NC due diligence fees and non-Prop 13 property taxes shape a 2027 purchase.
Moving From DC, Maryland or Northern Virginia to the Charlotte Area in 2027: Homebuying Guide
Moving from DC, Maryland or Northern Virginia to the Charlotte area? Compare income, property and transfer taxes and plan your move around your current home.
Moving From New York or New Jersey to the Charlotte Area in 2027: Homebuying Guide
Moving from New York or New Jersey to Charlotte? Learn how NC due diligence fees, taxes, co-op vs. HOA differences and selling your current home shape a 2027 purchase.