Carolina Mortgage Insights with Paul Mattos
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FHA Will Accept VantageScore 4.0 and FICO 10T Credit Scores in 2027: What It Means for Buyers
Starting January 1, 2027, FHA loans can use VantageScore 4.0 and FICO 10T. Here's how the change works, who it may help and why minimum scores aren't changing.
Can I Refinance With Bad Credit?
Can you refinance with bad credit? Learn how credit scores, mortgage-payment history, equity and refinance type affect your options—and when waiting may produce a better result.
Can I Get a Mortgage After Late Payments?
Late payments do not always end your homebuying plans. Learn what lenders may review, how to check your credit report, and what to do before applying.
Can I Buy a House After a Foreclosure?
A foreclosure does not permanently end your homebuying plans. Learn why the completion date matters, how waiting periods differ, and what to prepare.
What Credit Score Do You Need to Buy a House in Charlotte, NC and SC?
Most Charlotte, NC and SC buyers need about 580 for FHA and around 620 for conventional loans. See requirements by loan type and how to raise your score.
How Do I Qualify for a Home Loan? Requirements for NC and SC Buyers
What does it take to qualify for a home loan in NC or SC? Credit, income, DTI, down payment and property requirements for conventional, FHA, VA and USDA loans.