Carolina Mortgage Insights with Paul Mattos
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Using a 1031 Exchange With Financing
Selling a rental and buying another with a 1031 exchange? How replacement financing works, from replacing your debt to the 45- and 180-day deadlines and DSCR options.
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.
Mortgage Rate Locks Explained
When should you lock your mortgage rate, and for how long? How locks, float-downs, extensions and new-construction locks work for NC and SC buyers.
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.
Touring Downtown Rock Hill, SC With a True Local
Real estate agent Dalice McAda walks Paul Mattos through Old Town Rock Hill: the Friendship Nine lunch counter, local coffee, murals, festivals and what buyers should know.
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.
What Charlotte-Area Realtors Are Seeing Right Now: Carolina Realtor Pulse Results
Charlotte-area Realtors shared what's working, what buyers are worried about and what they want from lenders. Here are the first Carolina Realtor Pulse results.
How Long Does It Take to Build a Custom Home in South Carolina?
A custom home usually takes 15 to 18 months from start to move-in. A York County builder breaks down design, permits, framing, rough-ins and finishes.
How Much Money Do I Need to Buy a Home?
How much money do you need to buy a home? Add your down payment and closing costs, subtract credits, and plan for monthly costs and savings after you move in.
FHA Appraisal Requirements in North Carolina and South Carolina: What Can Prevent a Home From Qualifying?
Most homes don't need to be perfect to pass an FHA appraisal. Here's what the appraiser looks for, common repair issues in the Carolinas, and what happens next.
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.
How Early Should I Get Pre-Approved If I’m Moving to Charlotte in 2027?
Moving to Charlotte in 2027? Learn when to start mortgage planning, when to complete the formal pre-approval and what to address early if you are changing jobs, repairing credit or selling another home.
Can I Get a Mortgage in Charlotte Using a New Job Offer Letter?
Starting a new job in Charlotte? You may be able to qualify for a mortgage using an accepted job offer letter—even before receiving your first paycheck. Learn how salary, start date, reserves and loan type affect approval.
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.