Sr Loan Officer | NMLS: 1009680
| For many people, buying a home feels like something that's always "a few years away." I hear it all the time from buyers around Shelby and throughout Cleveland County. They think they need perfect credit, a huge down payment, or years of savings before they can even think about buying. The truth is, that's not always the case. There are mortgage programs available today that allow qualified buyers to purchase a home with much less money down than most people expect. Depending on your situation, you may even qualify for a loan that requires little to no down payment. Another common misconception is that you need an 800 credit score. While a stronger credit score can certainly help, many buyers qualify with scores much lower than they anticipated. Every situation is different, which is why having a conversation with a local loan officer is so valuable. One of the biggest advantages of working with someone local is understanding the housing market here in Shelby and the surrounding communities. Every market is different, and having someone who knows the area can make the financing process much smoother. Getting pre-approved is often the best place to start. During this process, we'll review your income, assets, and credit to determine what loan options may be available. You'll leave knowing exactly where you stand instead of guessing. Buying a home is one of the biggest financial decisions you'll ever make, but it doesn't have to be overwhelming. My goal is to help make the process simple, answer your questions, and help you find the loan that fits your goals. If you've been wondering whether now the right time is to buy, let's have a conversation. You may be closer to homeownership than you think. |
Sr Loan Officer
Mathewson Mortgage Capital | NMLS: 1009680
