Helping you find the right Mortgage Loan in the Chapel Hill/Durham/Raleigh Areas.

You have taken the first step in getting the best mortgage for you in the Chapel Hill/Triangle Area.

Deciding to buy a home or refinance a mortgage, is an important financial step that should be handled with care. This involves trusting in someone that understands the loan programs and the market conditions in the Research Triangle areas.  It also includes developing a relationship with someone that will look out for your best interests and your financial wellbeing.  You can do all of this by putting your trust in me and HomeServices Lending for your mortgage needs.

Many people have dreamed of Buying a new home.  As I'm sure you have heard, buying a home is one of the largest financial decisions you will ever make.  This is why it is extremely important to align yourself with the right people that can help you through the process. Getting a mortgage is not about getting money from a bank to just get you in a house.  A mortgage loan should be utilized to help meet your short and long term financial goals as well as having the loan fully explained so that there are no unexpected surprises down the road.  Personal attention for your financial wellbeing is my primary focus. I treat all customers as clients for life, not a transaction that will end at the closing table.  I can help you get to your goal of owning a home. 

Is it time to Refinance your current mortgage? Many of the mortgage programs offered by the lenders today have streamlined the process.  Most of the times, depending on credit scores and the loan to value on a property, mortgage companies will reduce the amount of paperwork needed to underwrite a loan.  This speeds up the whole process allowing you to get your money or pay off debt faster with less hassle. We can look at the many different options available to help create a program suitable for your situation.

Using your home equity for financial gain is easier than ever before. Most homes in this area have had a steady rate of appreciation. Along with the appreciation, consumers have been increasing their equity by reducing principal through normal monthly payments or applying extra lump-sums to the loan balances.  It may be time to consider capitalizing on some of this equity to reward yourself or reallocate other debt to decrease your monthly out-of-pocket expenses. I'll will be glad to talk with you about your goals or other concerns you may have to achieve a better financial picture for you and your family.

With many years of lending experience, I will give you the personal attention you demand and deserve. This commitment to buy a home, refinance, or manage debt is an important decision for you and I want to be apart of it. My promise to you; To always lookout for your best interest for whatever your situation may detail.

Please take a few minutes to look through this website for useful information relevant to mortgage strategies.  If you have questions or would like to talk about your specific situation, please email or call me, Chad Scoggins, with any questions you may have.