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
I am a native of Knoxville, Tennessee, but I have been in North Carolina since1997 when I moved to Boone to attend Appalachian State University. I earned my degree in Theatre Education and Communications. While at ASU I met my husband, Matt Long, a Boone native and general contractor, and gained a heart for these mountains and my beloved ASU Mountaineers. After graduation, I spent 5 years teaching in Charlotte before being given the opportunity to move back to the High Country. In 2007 I earned my NC Real Estate License and began in full-time brokerage. In 2010 I helped to open a franchise brokerage in the High Country. I gained impactful knowledge and built important relationships during my 8 years there, but began to feel the calling to get back to my roots.

In June of 2018, my dream became a reality when I opened 828 Real Estate. We are a boutique brokerage that is locally focused, community-minded and client-driven. I feel so fortunate to be in a career that I love, have opportunities to serve wonderful clients, and get to work with the best team here at 828 Real Estate.

I am a member of The High Country Association of Realtors, the North Carolina Association of Realtors, the National Association of Realtors. I am a member the Boone Chamber of Commerce and I am on the board for the Downtown Boone Development Association. I have also completed the Realtor  e-Pro certification that specifically focuses on the technology tools needed in the purchase or sale of a property. Additionally, I have earned my CLHMS Designation. (Certified Luxury Home Marketing Specialist) and a qualified LuxuryHomes.com Affiliate. Over the years I have been awarded various Top Producer Awards. I am honored each year to be invited to the Top 50 Brokers in the High Country celebration.

My husband and I reside in downtown Boone and have 2 beautiful children, Sadie Rose and Levi. We attend Alliance Bible Fellowship and stay connected by serving the community and supporting local non-profits like Western Youth Network, The Appalachian Theatre and Valle Crucis Community Park. We love to spend time outside hiking, playing on the river, running with their dog, Emmie Lou, hitting the slopes and making the most of our time in this amazing place we get to call home!