charlotte: Steam, Motivation or Thoughts - 05/04/08 08:22 AM
As an Active Rain member that blogged virtually everyday for months, over the past couple months I must admit I have posted very little to the community. I can come up with all the excuses... lack of time, got busy, other things to do.. but when I sit back and ask myself what happened, I have to decide between a lack of steam, motivation or thoughts.
Personally, I think it is more the lack of steam than anything else. Not to use it as an excuse, but I have been very busy helping people get ready to buy a home in Charlotte, … (4 comments)

charlotte: Half Priced Homes for Firefighters - 04/24/08 01:00 AM
Charlotte Area Firefighters: You too can buy a home for Half Price!
Yes, that's right. You can own a part of the city you risk your life to protect, and own it for only half price. As a full time Charlotte Firefighter, you can buy select HUD owned homes for 50% off!
Say you find a home that HUD is selling for $140,000. Using this special program aimed to give back to Firefighters in the Charlotte area, you can buy this home for only $70,000 and the rest is yours to keep! The selection is constantly changing and homes are typically available throughout … (1 comments)

charlotte: Teachers: Buy a home for Half Price - 04/24/08 12:48 AM
Attention Charlotte NC area School Teachers.
Did you know that you have the ability to purchase a Charlotte HUD home for only 50% of the list price? That's right! Using the Good Neighbor Next Door program, Charlotte area teachers can buy a home for half price. In addition to that, Charlotte teachers can take advantage of special Charlotte mortgage loans that require no money down and come with some of Charlotte's lowest mortgage rates!
There are a few restrictions and items you need to be aware of. So for more information on this program and how you can get pre-approved to take advantage … (5 comments)

charlotte: Homes Sales are up! Did you hear? - 03/24/08 04:41 AM
The Associated Press reported today that existing home sales rose in Feb, surprising economists who expected another month of declines.
This is great news for our nation! We are all in a buyer's market and hopefully fear is beginning to lose its grip on Americans.
Visit EdNailor.com for more information on how this affects Charlotte Real Estate and Mortgage Loans
_____________________________________
Brought to you by Ed Nailor - Charlotte Mortgage Lender
Call 704-651-8704 for your free mortgage consultation, or get pre-approved for a Charlotte mortgage online.
(3 comments)

charlotte: Newspaper Ads? What is that? - 03/10/08 01:21 AM
A few years ago, one look at the Charlotte Observer's classified ads and you would think that everyone in Charlotte was selling their home! It would take multiple pages to hold all the homes for sale.
But today, I just noticed something. The Observer's real estate classified ads section is very small. So small in fact that they have had to sell a "special insert" to one of the largest companies selling real estate in Charlotte in order to appear to still offer real estate ads!
So why the decline?
Well it is certainly not due to a lack of homes for sale. Charlotte … (8 comments)

charlotte: A great Compliment - 03/09/08 11:48 PM
There comes a time in everyone's career when you get this compliment. If you have been on the receiving end, you will know what I am talking about. If you have yet to experience it, keep plugging along and one day you will.
We all know some of the more well known competition in our areas. As a mortgage professional, there are names you see more often than others. After a while you begin to understand that the reason you see their name is because they are trusted and knowledgable. Afterall, who would recommend you if they did not trust you, your … (5 comments)

charlotte: Charlotte Home Search Tips - 03/05/08 02:16 PM
If you are considering buying a home, here are some great tips for your Charlotte Home Search:
Search Online. Many home buyers are searching for Charlotte homes using the internet. With so many websites available, you will find many options to help.Ask a Realtor. Here on Active Rain, you have access to hundreds of Realtors. This website will give you access to research many agents at once. Realtors have access to the MLS, but can also assist your Charlotte home search with their knowledge of the area and the market.... more tips to help your  Charlotte Home Search
 
Ed Nailor - Charlotte … (1 comments)

charlotte: The Return of Traditional Underwriting - 03/04/08 05:32 AM
Traditional Underwriting has Returned.
Even in an FHA mortgage loan, lenders are really looking at loan applications in a traditional sense. They want good credit, solid assets and a compelling reason to say yes. Above all, credit history is the most influential component for an approval.
Long known for the manual underwriting flexibility of the FHA mortgage program, many underwriters and lenders are getting tougher on mortgage applicant's credit. Recently, a man with 7 years on the job, 16 months worth of reserve savings (that's a balance in savings that is 16 times the monthly mortgage payment), low debt to income ratios (meaning … (2 comments)

charlotte: Referrals - Do you use the system? - 02/28/08 03:25 AM
I just posted a potential referral (pre-qualified buyer) into the Referral section of AR. My question is this:
Based on the number of referral leads (or lack thereof) on this system, does anyone use it?
I think this could be a great resource and as I am beginning to get more and more leads without agents I would like to be able to find a referral when needed. Understand that the agents I currently work with will get the bulk of any referrals I have to offer. I believe in giving back.
But every once in a while I will have a referral … (4 comments)

charlotte: Why underwriting is tighter - 02/20/08 12:58 AM
Have you noticed lately that loans are a bit tougher to close today? It seems that things we used to be able to get around are now road blocks. I have been asked why this is, and without giving the obvious "its the market" answer, I dug a bit deeper to help people understand what is happening.
What many people do not realize is that there is a great deal of pressure and the responsibility placed on underwriters to make sure the loans they approve do not default. Take FHA underwriters for example.
FHA underwriters must go through training to be qualified and approved … (8 comments)

charlotte: Charlotte: Refinance Today - 02/13/08 08:15 AM
While many people are considering buying a home, there are plenty of people that are just happy where they are. However, it is a great time to consider refinancing your Charlotte mortgage.
Mortgage rates are low, some of the lowest we have seen in 40 years! As a matter of fact, if you have a mortgage rate over 6.5%, or are sitting on an adjustable rate mortgage, now may be the best time to refinance!
While mortgage rates have dipped over the past few weeks, we are seeing a trend that indicates that mortgage rates will begin to climb upwards again very soon. … (0 comments)

charlotte: Qualify Yourself - 02/13/08 07:38 AM
New Pre-Qualification Tool on EdNailor.com
The Ed Nailor Mortgage Team is proud to announce a new tool that potential homebuyers in Charlotte can use! The Easy Qualifier was designed to take the basic information and provide clients with a mortgage pre-qualification tool they can trust!
If you are considering buying a home in the next weeks, months or even the next year, head over to EdNailor.com and click on the red Easy Qualifier button. With just a little information, you can get an idea of how much you home could qualify to buy!
brought to you by The Ed Nailor Mortgage Team
Mortgages in Charlotte
704-651-8704 … (4 comments)

charlotte: Virtual Tour for 7439 Autumn Trail Drive - 01/30/08 01:10 PM
This virtual tour is brought to you by The Ed Nailor Mortgage Team.
More Info: For Sale: 7439 Autumn Trail Dr, Charlotte, NC
 
_________________________________________
The Ed Nailor Mortgage Team of Charlotte, NC
Charlotte Homes for Sale
Call 704-651-8704 or visit www.EdNailor.com
(4 comments)

charlotte: And if Buyers don't want to buy.... - 01/30/08 09:23 AM
If the fans don't wanna come out to the ballpark, no one can stop 'em.  - Yogi Berra
"and if Buyers don't wanna buy...well, that's just silly!" - Ed Nailor
What an amazing time we are in! The market is ripe for the taking and the entry fee is lower than it's been in years! Such opportunity awaits... it would be foolish to sit on the sidelines waiting to see what happens next.
What am I talking about?
Now is THE time to buy!
_________________________________
This message brought to you by the Ed Nailor Mortgage Team of Charlotte, NC
Providing the Best Charlotte Mortgage Programs and Charlotte … (8 comments)

charlotte: Playing in the Rain - 01/24/08 12:30 AM
As a consumer, I am always looking for the business that doesn't waste money. I know the more they waste, the more the services will cost me.
As a professional, I am always looking for ways to cut overhead costs so that my clients get the best possible service.
Enter Active Rain.
You see, right now if you do a Google search for "Charlotte home loans" you will find about 228,000 websites. Many of these lenders and loan officers are spending big money to SEO companies to get into the top pages. And by big money, I mean THOUSANDS of dollars! Between "slick" websites … (3 comments)

charlotte: Security Violation - 01/16/08 05:15 AM

As a mortgage professional, I go out of my way to take care of my clients. When it comes to their security and their privacy, I leave nothing to chance. So when I recently visited a local Realtor's website and looked around their website, I was shocked at what I found.
The Realtor offered a pre-approval form on their website, but it was not secured in any way! As a matter of fact, the agent's website is a "template" style site hosted by one of the larger real estate focused website companies!
Read why Mortgage Applications Should be Secure and add your comments there … (18 comments)

charlotte: At least there's that - 01/12/08 02:18 AM
Character is what you have left when you've lost everything you can lose.  - Evan Esar
So I joined in October of last year and quickly was able to get up well over 38,000 points, coming up to 40,000 soon. At first, it was all about getting as many points as possible, as the competitive nature came out. But after a while I began to notice a pretty cool phenomenon...
My posts were being noticed by Google, and even more important, by people. And getting noticed on Localism was becoming more of a focus for me as this is where the general public … (55 comments)

charlotte: Special Offer for Southpark Buyers! - 01/03/08 12:34 PM
In celebration of the New Year, the Ed Nailor Mortage Team wants to help you make that move a reality!
In many cases, potential home buyers get worried about buying a home. The average home buyer is worried about making the payments and the upkeep. After all, what if something breaks in the first year while you are still adjusting to your mortgage payments?
Warranty Your Purchase!
Well, that's where the Ed Nailor Mortgage Team has you covered! We are going to Warranty your Purchase! Yep... that's right! Your mortgage lender in Southpark is standing behind your home purchase with a warranty! Why? … (0 comments)

charlotte: Special Offer for Matthews Buyers! - 01/03/08 12:27 PM
In celebration of the New Year, the Ed Nailor Mortage Team wants to help you make that move a reality!
In many cases, potential home buyers get worried about buying a home. The average home buyer is worried about making the payments and the upkeep. After all, what if something breaks in the first year while you are still adjusting to your mortgage payments?
Warranty Your Purchase!
Well, that's where the Ed Nailor Mortgage Team has you covered! We are going to Warranty your Purchase! Yep... that's right! Your mortgage lender in Matthews is standing behind your home purchase with a warranty! Why? … (0 comments)

charlotte: Special Offer for Myers Park Buyers! - 01/03/08 12:26 PM
In celebration of the New Year, the Ed Nailor Mortage Team wants to help you make that move a reality!
In many cases, potential home buyers get worried about buying a home. The average home buyer is worried about making the payments and the upkeep. After all, what if something breaks in the first year while you are still adjusting to your mortgage payments?
Warranty Your Purchase!
Well, that's where the Ed Nailor Mortgage Team has you covered! We are going to Warranty your Purchase! Yep... that's right! Your mortgage lender in Myers Park is standing behind your home purchase with a warranty! … (0 comments)

 
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Charlotte Home Loans Your Charlotte Mortgage Lender

Charlotte, NC

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CarolinaMortgageConnection.comDedicated to educating, inspiring and assisting in the American Dream. Information to assist you through the hundreds of mortgage loans available today. Visit my other blogs at CarolinaMortgageConnection.com Charlotte Homes and Mortgages The articles, reviews and stories written and published on this website are simply the opinions of Ed Nailor. While Ed Nailor has professional experience as a mortgage loan officer, the information posted on this website should not be taken as personal counsel or an endorsement of anything. For mortgage related counsel or advice to be meaningful and effective, one must sit down one on one with a professional to discuss the particulars of their situation. Ed Nailor can not be held liable for any decisions you make as a result of what you might read or infer on this website. Proud supporter of the Right to Free Speech.


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