Carolina Mortgage Insights with Paul Mattos
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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.
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.
Charlotte vs. Fort Mill, SC: Where Should You Buy in 2027?
Charlotte or Fort Mill in 2027? Compare housing, commuting, taxes, insurance, schools, new construction and mortgage options before deciding which side of the NC-SC line fits your purchase.
Moving From California to Charlotte 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/Northern Virginia to Charlotte in 2027: Homebuying Guide
Relocating from DC or Northern Virginia? Learn how Charlotte's suburbs, NC due diligence fees, federal job changes and selling your DMV home affect your 2027 purchase.
Moving From New York or New Jersey to Charlotte 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.
Charlotte Suburbs for Families Moving to North Carolina in 2027
Moving your family to Charlotte in 2027? Compare Matthews, Waxhaw, Huntersville, Cornelius, Davidson, Belmont and Harrisburg by county, school district, commute and costs.
Planning to Move to Charlotte in 2027? What Homebuyers Should Do Now
Moving to Charlotte in 2027? Here's what to do 6–12 months ahead: set a real budget, plan your current home's sale, prep for a job change and protect your credit.
Pineville, NC Mortgage Guide
Pineville offers a small-town downtown with fast access to Ballantyne, I-485, and Fort Mill. Here's what buyers should know about neighborhoods, condos, and financing.
Rock Hill, SC Mortgage Guide
Rock Hill offers historic homes, new construction, and acreage near Charlotte. Here's what buyers should know about neighborhoods, taxes, and mortgage options.
How Much Emergency Savings Should I Have After Buying?
Learn how much emergency savings to keep after buying a home, including living expenses, move-in costs, repairs and mortgage reserve requirements.
Can I Buy a Home With Only $10K Saved?
$10,000 can be enough to buy a home in NC or SC, but the down payment is only part of it. Here's what the money needs to cover and how to stretch it.
Should I Wait for Interest Rates to Drop?
Should you buy now or wait for mortgage rates to fall? Learn how to judge today’s payment, cash needed, loan options, and the risks of relying on a future refinance.
Can I Buy a House Before Selling Mine? A Move-Up Buyer's Guide for NC and SC
Buying a new home before selling yours? Learn how lenders count both mortgages, ways to fund the down payment, and what changes if you keep your current home as a rental.
What Happens If the Appraisal Comes in Low?
A low appraisal does not automatically end a home purchase. See how it can change financing, what buyers and sellers can negotiate, and when to request a review.