Carolina Mortgage Insights with Paul Mattos
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How Much Income Do I Need for a $400K House in North or South Carolina?
Many buyers need about $100,000 to $135,000 a year for a $400K home. See how debts, down payment and NC vs. SC property taxes change the income you need.
Buying in South End Charlotte: Condos, Townhomes and Transit
Considering a South End condo or townhome? Learn how to check transit access, HOA costs, ownership details, and mortgage requirements before making an offer.
Moving to Charlotte? How to Get a Mortgage and Budget for the Move
Moving to Charlotte from another state? Here's how relocation buyers get pre-approved, use offer letters, budget for taxes and HOA dues, and buy before they arrive.
Can I Use Gift Funds for a Down Payment?
Yes, most loans allow gift money for a down payment. Who can give it, when you need your own funds, the gift letter, and how to move the money without delays.
Can Self-Employed Borrowers Get a Mortgage?
Yes, you can get a mortgage when you're self-employed. See how lenders figure business income, what documents to gather, and when bank statement loans make sense.
Can I Afford a $300K House on a $50K Salary?
On a $50K salary, a $300K home can work, but it depends on your debts, down payment, taxes, and insurance. Here's the math lenders actually use.
Best Mortgage Lenders for Retirees in North and South Carolina: How Retirees Qualify
Retired and buying a home in NC or SC? Learn how Social Security, pensions, IRA withdrawals and savings can count toward a mortgage, plus tax breaks for homeowners 65+.
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 to Get Pre-Qualified and Pre-Approved for a Home Loan in Charlotte
Getting pre-approved in Charlotte? Learn pre-qualification vs pre-approval, what documents to send, how long it takes and why some pre-approvals fall apart.
Conventional Loan Requirements in Charlotte: What Buyers Need to Know
Learn what Charlotte buyers need for a conventional loan, including down payment, credit, income, debts, documents, property review, and PMI.
How Much House Can I Afford on a $70,000 Salary in North or South Carolina?
Earning $70,000 a year? See how lenders calculate what you can afford, how debts and taxes change your price range, and why NC and SC areas can differ.
How to Apply for a Mortgage Pre-Approval Online (2026 Guide)
Applying for mortgage pre-approval online? Follow the steps, gather your documents, and learn what NC and SC buyers should review before making an offer.
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.