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GENERAL MORTGAGE INFORMATION

  1. Why choose Carolina Ventures?
  2. How quickly can I close?
  3. Why use a broker vs a bank?
  4. Win more offers?!
  5. What is included in my monthly mortgage?
  6. What is mortgage insurance?
  7. What is Due Diligence?
  8. What is an appraisal?
  9. What if my appraisal comes in low?
  10. What does underwrite mean?
  11. When can I lock in an interest rate?
  12. What Closing Costs should I expect?
  13. How can a mortgage broker help you?
  14. What is Rescoring?
  15. What is Automated Underwriting?
  16. How do we communicate during the process?
  17. How is a Realtor paid?
  18. How is a Mortgage Broker paid?
  19. What is VA Tidewater?
  20. Home inspection vs appraisal?
  21. What is a PIW?
  22. Why is a local appraiser important?

PRE-APPROVAL

  1. Same day pre-approval letter?
  2. Pre-Qual vs Pre-Approval?
  3. What does our Pre-Approval Include?
  4. Documents needed for a Pre-Approval?
  5. Fee for pre-approval?
  6. How long am I pre-approved?
  7. Adjust pre-approval amount?
  8. What is the maximum I can qualify for?
  9. What amount of down payment do I need?
  10. Can I receive a gifted down payment?
  11. Why should you avoid large purchases?
  12. Hard or soft credit pull?
  13. Vantage vs. FICO scores?
  14. Why am I getting phone calls?
  15. What is the basis of mortgage approval?
  16. What is the 1st step to buying a home?
  17. Why is a comprehensive pre-approval critical?

INCOME

  1. Starting a new job?
  2. Docs needed forself-employedborrowers?
  3. Rental income, docs needed?
  4. Departing Rental Income?
  5. Buying an investment? Use rental income!
  6. New to the workforce…eligible for financing?
  7. Newly retired…Eligible for financing?

LOAN OPTIONS

  1. What terms exist for a mortgage loan?
  2. 15-year vs 30-year loan?
  3. What impacts rate?
  4. Advantages of ARM?
  5. What is conforming vs non-conforming loan?
  6. What is a Jumbo Loan?
  7. What is a VA loan?
  8. Why should you Recast?
  9. First Time Homebuyer programs?
  10. What is an interest rate float down?
  11. What types of financing do you offer?
  12. What’s different about condo financing?
  13. What is a HELOC Bridge?

LOAN ESTIMATE

  1. Loan Estimate Review?
  2. E-sign is a draft!
  3. What are my escrow options?
  4. Interim Interest?
  5. What is an origination fee?
  6. Will my loan have a pre-payment penalty?
  7. Appraisal Delivery Waiver Form?
  8. What is the Credit Inquiry letter?
  9. What are points and origination fees?
  10. How often do rates move?
  11. Why are online rates often inaccurate?

REFINANCE

  1. What is the purpose of refinancing?
  2. Steps to refinance?
  3. Can I roll in my closing costs?
  4. Cash Out Refi vs. HELOC
  5. Refi payoff calculation?
  6. What Closing Costs can I expect for a Refinance?
  7. When can I refinance?

CLOSING

  1. Can’t make it to closing in person?
  2. Verbal Verification of Employment?
  3. How do I choose my insurance provider?
  4. What is the role of a Closing attorney?
  5. What is Instant Funding?
  6. Why is the Closing Disclosure sent at initial underwriting?
  7. Is my Initial CD a draft?
  8. Review of Closing Disclosure

POST CLOSING

  1. Will my mortgage be sold?
  2. What is post-closing spam?
  3. How do I set up automatic payments?

NEW CONSTRUCTION

  1. What is a Construction to Perm loan?
  2. Builder incentives?
  3. Builder’s lender myths
  4. Can I do a Construction loan as a Veteran?



























































Apply Now!

Carolina Ventures Mortgage, LLC
Whitney Bulbrook, President
NMLS 48522/ CO.1032518

1506 E Franklin St Ste 300
Chapel Hill, NC 27514

919-260-6020

Carolina Ventures is the #1 Chapel Hill Mortgage broker serving the entire Triangle area and state of North Carolina (Chapel Hill, Durham, Raleigh, Cary, Hillsborough, Fuquay-Varina, Pittsboro, Morrisville).  For fast, easy pre-approvals, underwriting & closings, apply online today or give us a call at 919-260-6020.

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