usda home loans: How To Get Quicker Underwriting For USDA Home Loans - 08/22/19 12:42 PM
We have tons of people who want to know how to get quicker Underwriting for USDA Home Loans in NC.  The thought of having to move in with family, living out of boxes is not appealing to anyone.  So what are the tips for getting your keys early??? Check this list of 7 things you can do To Get Quicker Underwriting For USDA Home Loans:
Have All of the pages of your Bank Statements ready.  I can’t tell you how many times someone will only give us a few of the pages – we need ALL of the pages for the last … (0 comments)

usda home loans: USDA Home Loan Guideline Updates 2018 - 07/31/18 08:24 AM
 The USDA Home Loan program is one of the most utilized loans available – for those who qualify.  The qualification process for these loans, however, has gotten a little harder in 2018, and they’ve issued some subtle, but important USDA Home Loan Guideline Updates.
 
General USDA Home Loan Guideline
USDA Home Loans are not made by the USDA, but they do insure the bank against a loss if you stop making your payments.  Because the US Government is making this guarantee, the program offers some of the best mortgage rates available.  The PMI cost on these loans is also very low.
There’s NO DOWN PAYMENT REQUIRED.  We … (0 comments)

usda home loans: New USDA Loan Maps for NC - 02/13/18 09:44 AM
A lot of our clients are looking for a home with a front porch swing, away from all the hustle and bustle they encounter during their daily travels. That’s why the USDA Home Loan Program has been so perfect, because in NC, it doesn’t take much time at all to be smack dab in the middle of some Country Road!   will continue to change slightly every six months or so until 2020, when we expect a massive update.

 
USDA Home Loans NC is a program that is literally an extension of the US Department of Agriculture, and it is designed as a mortgage … (2 comments)

usda home loans: USDA Loans in NC - Changes Ahead - 06/26/13 10:30 PM
There are known changes coming to the USDA Loan program in NC when the maps change this fall.  And then there are the subtle changes we've noticed in the last 2 or 3 months - as USDA Home Loan underwriters are requiring more documentation, and frankly look at loans in a much more conservative position.
USDA Loans in NC are zero down payment mortgage loans, and since many home buyers dream of purchasing a home but don’t necessarily have the cash on hand to make the hefty 20% down payment required by a conventional home loan, they are perfect for first … (4 comments)

usda home loans: USDA Loans in Kinston and Greenville NC - 06/26/13 10:00 PM
Eastern North Carolina neighborhoods that currently qualify for USDA Home Loans in NC, will lose that program this fall when the USDA Maps Change.  In particular, neighborhoods near Wilson, Rocky Mount, New Bern, Kinston and Greenville NC will see some changed.
Unlike most parts of NC that have eligible and “ineligible” areas – Kinston NC  USDA Map Changes do not appear to see any significant changes on October 1, 2013 (View detailed Kinston NC USDA Home Loan Maps)… ALthough Pitt County and Greenville NC will see pretty significant changes.
USDA Loans in Kinston NC also require that you meet the Income … (0 comments)

usda home loans: USDA Home Loans in Wilson NC - 06/19/13 05:15 AM
Folks who are interested in living in a small town in NC, close to Raleigh are considering Wilson as a place to get a great deal.According to the Wilson Chamber, that’s no so surprising, because “Wilson is a community that offers diversity in everything from eating establishments to neighborhoods in which to live. Whether you’re yearning for something as simple as a hot dog or four course meal, want to live in a historic home or feel more at home in a new condominium, you’ll find it all in Wilson. Wilson is a place where people embrace community spirit.”  That’s pretty … (0 comments)

usda home loans: USDA No Money Down Home Loans in NC - 07/19/12 08:59 PM
There are MANY No Money Down Home Loan Options available to buyers in North Carolina. This No Money Down Home Loan information is accurate as of today. If you get No Money Down Home Loan Information somewhere else, it may be inaccurate or out-of-date.
What ARE the No Money Down Home Loan Programs? The No Money Down Home Loans are special mortgage products, reserved for prospective homeowners who qualify based upon some income, job and asset requirements. Home Buyers who would otherwise qualify for a conventional mortgages via Fannie Mae or Freddie can’t use some of these programs. No Money Down … (1 comments)

usda home loans: NC Housing Finance Agency Home Loan Program and USDA - 04/19/12 10:04 AM
 
We Offer No Money Down Mortgage Loans And You Might Qualify For $8000 From The Government To Buy A House in North Carolina! NC has a great First Time Home Buyer Program available, and the BEST news is... You DON'T have to be a First Time Home Buyer! 
The Program is specifically focused upon homebuyers who have not owned a personal residence for the past 3 years! We offer NCHFA programs and YOU could take advantage of these great benefits!
*  $8,000 in Downpayment Assistance!
*  Below Market Fixed Rate Mortgages!
*  The Ability To Purchase a Home … (1 comments)

usda home loans: REDUCED! Ranch with 2 car Garage & Bonus! Perfect for Work from Home! - 03/01/10 08:54 AM
 
What a beautiful Home!  I love this area - not too far from Raleigh, but you can still be in the country!  This home qualifies for a USDA Home Loan, 100 percent, no money down financing!  If you have questions about financing this home - please call Steve Thorne, Professional Mortgage Planner, and USDA Home Loan Specialist!  919-649-5058
 
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usda home loans: Ole Mill Stream Subdivision in Clayton NC Has Some Amazing Homes. - 12/15/09 07:54 AM
We love this area of Johnston County!  If you are looking for the best mortgage rates, we hope you'll give us a call! What beautiful homes near the Neuse River!! Schools are great here too!  And some of these homes would make great First Time Home Buyer properties - USDA No Money Down!?!  WOW! Steve and Eleanor Thorne, 919-649-5058

Ole Mill Stream Subdivision in Clayton NC Has Some Amazing Homes.
 
 
Homes in this neighborhood range in price from the high $200,00 to the high $800,000. The subdivision is surrounded by woods and is bordered by the Neuse river, … (2 comments)

usda home loans: Why are USDA Mortgages Better than FHA in Johnston County, NC? - 09/02/09 02:57 AM
USDA Rural Development Mortgage Loans are not just for farms, and if you qualify for them - they are better than FHA Loans!
Here are a few key points:
Credit  The days of purchasing a home with poor credit are long gone.  You need at least a 620 credit score to purchase a home using FHA or USDA financing options Downpayment  USDA does not require a downpayment, FHA requires a 3.5% downpayment.
Closing Costs Closing costs of up to 5% can be paid by the seller, or it can be a gift in either loan scenario.  Mortgage Interest Rates are pretty … (0 comments)

 
Steve and Eleanor Thorne, Mortgage Loan Johnston County (Advantage Lending, NMLS 60596)

Steve and Eleanor Thorne

Mortgage Loan Johnston County

Clayton, NC

More about me…

Advantage Lending, NMLS 60596

Address: 201 Shannon Oaks Circle, Suite 204, Cary, NC, 27511

Mobile: (919) 649-5058

Johnston County biased blog dedicated to providing information about FHA, VA mortgages, USDA home loan and conventional mortgage loan information for Smithfield, Clayton, Benson, Wilson Mills, Dunn, and other parts of Johnston County. Highly experienced mortgage loan officers with best rates in the area!


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