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Mortgage and Lending - Blue Ridge Bank Mortgage - NMLS # 78989
The goal of my blog is to give you real world mortgage solutions to actual mortgage scenarios I see everyday.

ARCHIVED BLOG POSTS

2015 

USDA has a little known, special refinance product called the USDA Pilot Refinance Program which is for borrowers that currently have a USDA guaranteed loan and are looking to lower their rate and payment through a refinance even with equity not required. This USDA program allows for a borrower t...
01/25/2015
FHA has just made financing the purchase or refinancing of a home cheaper by lowering the amount of monthly payment of mortgage insurance premium by over 1/3!  The latest announcement by HUD states that the monthly mortgage insurance premium on mortgage terms over 15 years will be reduced by .50....
01/15/2015
Wrightsville Beach - A great surf town is the nearly magical sum of consistent waves, inviting accommodations, friendly locals, fun nightlife, delicious food, and plenty of activities should the ocean go flat.  Wrightsville Beach, NC is a small town tucked away between the salt marshes, sandy bar...
01/13/2015
The Federal Housing Administration or FHA, has announced the loan size limits for 2015 for all areas of each state in the U.S. Most areas stayed the same but there are some changes so make sure that you check these limits when considering an FHA loan. The limits for most counties in NC are the fo...
01/12/2015
For first time home buyers, we offer three Fannie Mae programs with a LTV up to 97% for credit worthy borrowers for certain principal residence transactions. One little known low down payment option we offer is the MyCommunityMortgage or MCM. MyCommunityMortgage (MCM) is an option for purchase tr...
01/04/2015
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Russell Smith

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The goal of my blog is to give you real world mortgage solutions to actual mortgage scenarios I see everyday.