Carolina Mortgage Insights with Paul Mattos
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Biggest Mistakes First-Time Homebuyers Make
Avoid common first-time homebuyer mistakes with practical guidance on pre-approval, monthly payments, contract money, inspections, loan options, and closing costs.
Why Did My Mortgage Payment Change?
A higher mortgage bill may come from taxes, insurance, an escrow shortage, or your loan terms. Learn how to identify the change and what to check next.
What Bank Statements Do Mortgage Lenders Need?
Buying a home? Learn which bank statements to send, why lenders review deposits and transfers, and how to prepare gift or business funds for mortgage approval.
What Documents Do I Need for a Mortgage?
Start your mortgage pre-approval with the right documents. See the basic checklist and learn when gifts, self-employment, or other income require more records.
Can Bonus Income Count for a Mortgage?
Bonus income may help you qualify for a mortgage, but lenders review its history and trend. Learn what documents to gather and how a usable amount is evaluated.
Can I Qualify for a Mortgage With Overtime Income?
Overtime may help you qualify for a mortgage. Learn how lenders review your earnings history, calculate a monthly amount, and handle changing hours.
Can I Get a Mortgage After Late Payments?
Late payments do not always end your homebuying plans. Learn what lenders may review, how to check your credit report, and what to do before applying.
Can I Buy a House After a Foreclosure?
A foreclosure does not permanently end your homebuying plans. Learn why the completion date matters, how waiting periods differ, and what to prepare.
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.
How Student Loans Affect Mortgage Approval
Student loans do not automatically keep you from buying a home. Learn how monthly payments, deferment, and income-driven plans 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.
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 I Buy a Duplex With an FHA Loan?
An FHA loan may let you buy a duplex, live in one unit, and rent the other. Learn how down payments, rental income, and property costs affect the plan.
USDA Eligible Areas Near Charlotte
USDA loans aren't just for farms. Here's where to look near Charlotte, how to check a specific address, and what income limits and fees to plan for.
What Is USDA Financing?
USDA financing may let eligible buyers purchase a primary home with no down payment. Learn how location, household income, credit and closing costs affect eligibility.
What Is the FHA 3.5% Down Loan?
An FHA loan may let eligible buyers purchase a home with 3.5% down. See what the down payment covers, what else you may need at closing, and how mortgage insurance affects the payment.
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.