Carolina Mortgage Insights with Paul Mattos
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Can I Buy a House After Divorce?
Buying a home after divorce is possible. Learn how support payments, joint debts, credit, and settlement funds can affect mortgage qualification.
What Is Debt-to-Income Ratio?
Debt-to-income ratio compares your monthly obligations with your gross income. See a simple example and learn which payments lenders consider when you buy a home.
How Much Debt Is Too Much for a Mortgage?
How much debt is too much to buy a house? Learn why lenders review monthly payments, income, and credit—and when paying off debt may help.
Can I Buy a House With Credit Card Debt?
You can buy a house while carrying credit card debt. Learn how minimum payments and credit utilization affect a mortgage—and when paying down cards may help.
FHA vs Conventional Loan: Which Is Better?
FHA or conventional? Compare down payment, credit requirements, mortgage insurance, seller credits, and total costs to see which fits your purchase.
Can You Get a Mortgage After Writing Off Too Much Income?
Business deductions lowered the income on your tax returns? Learn how lenders review self-employed earnings and when a bank statement loan may be worth comparing.
What Credit Score Is Needed for a DSCR Loan?
There is no universal DSCR loan credit-score minimum. Learn how lenders weigh credit alongside rental coverage, down payment, reserves, and property details.
How Commission Income Is Calculated for Mortgages
Yes, you can qualify for a mortgage with commission income. Learn how lenders average W-2 and 1099 commissions, handle rising or falling pay and what to prepare.
Can Travel Nurses Buy a House?
Travel nurses can buy homes, but contracts, overtime, employment gaps, and tax-free stipends require careful review. Learn how lenders evaluate travel nurse income and which documents to prepare before applying.
Can Nurses Use Overtime Income for a Mortgage?
Nurses can often use overtime, shift differentials, bonuses, and PRN earnings to qualify for a mortgage. Learn how lenders average variable income and what happens when overtime is declining.
Can Truck Drivers Qualify for a Mortgage?
Truck drivers can qualify for mortgages, but W-2 drivers, mileage-paid employees, lease operators, and owner-operators require different income calculations. Learn how lenders review trucking income, deductions, deposits, and truck payments.
Mortgage Options for Business Owners
Business owners may qualify with conventional, bank statement, 1099, P&L, asset-depletion or DSCR loans. Learn how lenders calculate income.
Can 1099 Workers Qualify for a Mortgage?
1099 workers can qualify for traditional or alternative-documentation mortgages. Learn how lenders calculate income, expenses, history and affordability.
What Makes a Strong Mortgage Pre-Approval?
A strong mortgage pre-approval verifies income, assets, debts and credit while explaining payment assumptions, conditions and remaining property requirements.
Why Communication Matters During a Home Purchase
Clear mortgage communication helps buyers understand deadlines, document requests, underwriting, closing costs and what happens next. Learn which updates matter throughout a home purchase.
How to Choose the Right Mortgage Lender
Choosing a mortgage lender requires more than comparing advertised rates. Learn how to evaluate Loan Estimates, fees, communication, pre-approval quality, loan programs and closing support.
Can I Buy a House With Student Loan Debt? What NC and SC Buyers Should Know
Student loans rarely stop a mortgage on their own. Here's how conventional, FHA, VA and USDA loans count student loan payments, and what the 2026 SAVE changes mean for NC and SC buyers.
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.
What Salary Do You Need to Buy a Home in Charlotte?
See the salary you need to buy a home in Charlotte at $300K, $400K, $500K and up, plus how debts, down payment and NC vs. SC taxes change your number.
How Much Income Do I Need for a $500K House in North or South Carolina?
Many buyers need about $125,000 to $170,000 a year for a $500K home. Learn how debts, mortgage insurance and NC vs. SC taxes change the income you need.