High Country North Carolina Mortgage Loan Information

Q & A on Obtaining a Home Loan in the North Carolina High Country

Pre-approvals, USDA Loans, Credit Scores, Loan to Value…..what does it all mean!? These are important things to know as you begin the process of purchasing your High Country Property. Whether it is vacant land, an investment property, a vacation home or a primary residence, 828 Real Estate is here to help guide you to the right resource for lending.

Most sellers these days expect a buyer to already have their lender in place and know what they are qualified for a mortgage before the purchase. A seller and their agent are going to be looking for a lender’s Pre-Approval, not just a pre-Qualification.

Q: What is the difference in a Mortgage Pre-Approval vs a Mortgage Pre-Qualification?

Everyone who is looking to purchase a property is not in the same financial situation or period of life. There are many different loan programs available to offer you the best opportunity to meet your financial and home ownership goals!

Q: What are some different mortgage loan options that are available?

As you begin to think about purchasing a property, one of the first things to consider is getting yourself in the best possible shape financially to make that purchase. It doesn’t stop just because you have been pre-approved for a mortgage loan. The lender checks your job status and credit up to the day of closing, so stay on top of keeping your credit in ship-shape.

Q: What are some things I should consider when getting PreApproved and Staying PreApproved for a loan?

To stay approved after you get approved you want to maintain a high credit score, employment, and other factors. You will have to stay on top of your finances.

We would like to send out a special thanks to Angela McLean at Movement Mortgage for her assistance in sharing these great videos! Are you ready to start the hunt for the right mortgage loan option for your budget and needs? We can help connect you to the right High Country North Carolina mortgage lender with experience you can trust. Contact us today to get started!

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About the Author

Hello, my name is Sarah Long. I was born and raised in Knoxville, Tennessee. In 1997, I moved to Boone, North Carolina to attend Appalachian State University. I received my degree in Theatre Education and spent 6 years in Charlotte, North Carolina teaching before being given the opportunity to move back to the High Country in 2007. I began practicing Real Estate in 2007 with a small firm in Blowing Rock, before helping to open a Real Estate Franchise in the area in 2010. As the franchise grew, I began to realize my desire to get back to my roots and have more of a local connection. In 2018 I launched 828 Real Estate and fulfilled my decade long dream of owning a real estate firm in Beautiful Downtown Boone!!


I feel so blessed to live in the High Country of North Carolina with my husband Matt, a local General Contractor, and our two children, Sadie Rose and Levi. We attend Alliance Bible Fellowship in Boone. I love spending time outdoors and with my family. Between spending summers on the river or hiking and winters playing on the ski mountains- the High Country doesn’t disappoint with opportunities to enjoy God’s creation~!


I am a member of The High Country Association of Realtors, the North Carolina Association of Realtors and the National Association of Realtors. I stay involved in the Young Peoples Network through the local board of Realtors. This group allows me to stay up to date on the latest technology and marketing for Realtors. I am also a member of the Boone Chamber of Commerce and High Country Local First.


I am a licensed real estate broker in North Carolina and successfully completed the REALTOR e-PRO course to become one of a select few real estate professionals to earn the prestigious certification offered through the National Association of REALTORS.® The REALTOR e-PRO certification course is an educational program unlike any other professional certification or designation course available, comprehensive and interactive. It is specifically designed to provide real estate professionals with the technology tools needed to assist consumers in the purchase or sale property.