Carolina Mortgage Insights with Paul Mattos
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Moving From DC, Maryland and 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.
VA IRRRL Explained
A VA IRRRL may help eligible homeowners lower their interest rate, reduce their mortgage payment, or replace an adjustable rate with a fixed rate. Learn about VA streamline refinance eligibility, seasoning, closing costs, funding fees, and break-even requirements.
Can I Have Two VA Loans at the Same Time?
You may be able to keep one home with a VA mortgage and use remaining entitlement to buy another. Learn what to check before making an offer.
Can I Use VA Benefits More Than Once?
Your VA home loan benefit can often be reused. Learn when entitlement may be restored, how remaining entitlement works, and what to check before buying again.
Can You Use Gift Funds on FHA Loans?
FHA buyers can often use eligible gift funds for the down payment and closing costs. Learn who may give a gift, what paperwork lenders need, and why transfer timing matters.
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.
VA Loan vs Conventional Loan
Eligible for a VA loan but considering conventional financing? Compare down payment, mortgage insurance, the VA funding fee, seller credits, and total costs.