I am passionate about helping individuals and families navigate the often complex world of mortgage lending. With years of experience in the industry, I pride myself on my ability to provide tailored loan solutions that meet the unique needs of each client. At Mathewson Mortgage Capital, we offer a wide array of mortgage products, from FHA and VA loans to more specialized options like Non-QM and bridge loans. My goal is to ensure that every client feels informed and empowered throughout the loan process, regardless of their financial situation.
One aspect of my role that I truly cherish is the opportunity to build lasting relationships with my clients. I believe that understanding their goals and aspirations is key to providing the right loan options. Whether you are a first-time homebuyer looking for guidance or an experienced investor seeking the best financing solutions, I am here to support you every step of the way. My focus on customer service means that I take the time to listen and address any questions or concerns you may have. I am also proud to offer services in SPANISH, making it easier for Spanish-speaking clients to communicate their needs and feel comfortable throughout the mortgage process.
In the vibrant city of Charlotte, where the skyline is ever-evolving, I find great joy in assisting clients achieve their homeownership dreams. This bustling metropolis offers a blend of culture, business opportunities, and a strong sense of community. With its diverse neighborhoods and vibrant economy, Charlotte attracts a wide range of individualsâfrom young professionals to growing families. My extensive knowledge of the local real estate market allows me to provide insights into the best neighborhoods, financing options, and home styles that match your needs. I am committed to making the mortgage process as seamless as possible, ensuring that you feel confident in your decisions as you embark on this exciting journey.
Asheville is another city close to my heart, known for its picturesque landscapes and rich artistic culture. Here, clients often seek to find their dream homes in a setting that embraces both natural beauty and a vibrant community. My goal is to help you navigate the unique aspects of obtaining a mortgage in Asheville, whether you're looking for a cozy cabin in the mountains or a charming historic home downtown. I understand the importance of blending your financial goals with the lifestyle you envision, and I strive to make that a reality. By providing personalized service, I hope to guide you through the mortgage process with ease, ensuring that your experience is as enjoyable as the stunning views of the Blue Ridge Mountains.
In Forest City, a town known for its warmth and friendliness, I enjoy assisting clients who are looking to settle in this welcoming community. As a mortgage loan officer, I understand the unique challenges and opportunities that come with purchasing a home in a smaller, close-knit town. My approach is centered around understanding the local market, helping clients find financing solutions that work for their specific needs. Whether you're a first-time homebuyer or looking to refinance, I am dedicated to providing you with the support and resources you need to make informed decisions. Forest City's charm and sense of community make it a wonderful place to call home, and I am honored to be part of that journey for my clients.
At Mathewson Mortgage Capital, we take pride in our extensive range of mortgage products, including specialized loans like 1099 and bank statement loans. I understand that every client's financial situation is different, and I am here to provide the right loan options to suit your unique needs. From down payment assistance to investor loans, my goal is to make the mortgage process accessible and understandable. I am always available to answer questions, provide guidance, and ensure that you feel confident in your financing choices. I believe that a friendly and transparent approach will not only make the process enjoyable but will also foster lasting relationships built on trust and respect.
I am excited to work with clients across North Carolina, especially in the cities of Charlotte, Asheville, and Forest City. My commitment to providing exceptional service, combined with our diverse range of mortgage solutions, allows me to help clients achieve their dreams of homeownership. Whether you're looking for a new home or seeking to refinance your existing mortgage, I am here to provide the support and expertise you need. Let's work together to find the perfect loan solution that meets your goals and helps you thrive in your new community.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
Loan Officer
Mathewson Mortgage Capital | NMLS: 2603041
