Carolina Mortgage Insights with Paul Mattos
Sort By Categories
- Charlotte Area Comparisons 24
- Charlotte Neighborhoods 10
- First-Time Homebuyers 54
- Investment Property Loans 20
- Lake Norman 4
- Lake Wylie 4
- Mortgage Process & Education 61
- Mortgage Programs 31
- Mortgage Qualification 50
- Move-Up Buyers 26
- Moving to Charlotte 39
- New Construction & Renovation 7
- North Carolina Communities 12
- Realtor Resources 2
- Refinancing & Home Equity 17
- Regional Guides 8
- Self-Employed & Alternative Income 8
- South Carolina Communities 13
- Veteran Home Buyers 4
Sort By Tags
- Acreage & Land 4
- Appraisals 13
- Bank Statement Loans 7
- Buying Before Selling 22
- Cash-Out Refinance 6
- Charlotte Relocation 63
- Closing Costs 39
- Commission Bonus & Overtime 5
- Condos & Townhomes 17
- Construction Loans 8
- Conventional Loans 20
- Credit & Debt-to-Income 35
- Credit Challenges 6
- Credit Scores 1
- DSCR Loans 9
- Down Payment 37
- Down Payment Assistance 6
- Employment & Income 24
- FHA Loans 16
- Fixed vs. Adjustable Rates 3
- Gift Funds 10
- HELOC 7
- Home Affordability 15
- Home Equity 15
- House Hacking 4
- Jumbo Loans 15
- Luxury Homebuyers 18
- Mortgage Insurance 15
- Mortgage Payments 36
- Mortgage Pre-Approval 84
- Mortgage Rates 19
- Mortgage Underwriting 30
- New Job Offer 12
- Non-QM Loans 10
- Property Taxes & Insurance 50
- Rate Buydowns 9
- Real Estate Investors 20
- Refinancing 16
- Rental Income 13
- Self-Employed Borrowers 10
- Seller Credits 14
- Short-Term Rentals 5
- Student Loans 5
- USDA Loans 6
- VA Loans 7
- Waterfront Homes 9
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 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 VA Buyers Pay Closing Costs?
VA buyers can pay closing costs, and sellers may help cover them. Learn how seller credits, the 4% concessions rule, and the VA funding fee affect cash to close.
How a Mortgage Broker Saves Buyers Money
A mortgage broker may help buyers save by comparing lenders, loan programs, fees, points and credits. Learn what to compare—and why the lowest advertised rate may not be the lowest-cost strategy.
How Interest Rates Affect Buying Power: What NC and SC Buyers Should Know
A 1-point rate change can shift your buying power by about 10%. Here's how rates, taxes, insurance and HOA dues work together, and how to protect your price range.
Buying a New Construction Home in Charlotte: Builder Incentives, Financing and What to Check
Buying new construction near Charlotte? Learn how builder incentives, preferred lenders, rate locks, land-only tax bills and upgrades affect your mortgage before you sign.
Best Mortgage Rates in Charlotte: How to Compare Offers and Get Your Best Price
Compare Charlotte-area mortgage rates the right way: what sets your rate, APR vs. rate, points, ARMs, buydowns and refinance break-even, plus questions to ask.
Fixed-Rate vs. Adjustable-Rate Mortgages: Pros, Cons and How to Choose
Fixed-rate or adjustable-rate mortgage? Learn how each works, what 5/6 and 7/6 ARMs mean, the pros and cons, and how to decide which fits your plans.
How Seller Credits Can Lower Your Mortgage Payment
Seller credits may reduce cash needed at closing or fund a mortgage buydown. Learn how to compare those choices with a lower purchase price before making an offer.