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
Sarah Long is a native of Knoxville, Tennessee. She has spent the last 24 years of her life in North Carolina. In 1997 she moved to Boone to attend Appalachian State University where she received her degree in Theatre Education and Communications. She met her husband, Matt Long, a Boone native and general contractor in a “communications class”. Sarah moved to Charlotte to teach soon after graduation. After 5 years of teaching, they were finally given the opportunity to move back to the place they love, the High Country of NC. In 2007 Sarah received her NC Real Estate License and began her new career. After 3 years in the business, she was presented with an opportunity to help open a Franchise Real Estate Company in the area. Lots of growing, education and relationships were formed over the years with this large brokerage. In 2018 Sarah made the decision to step away from a larger company and start to build a smaller, locally focused brokerage. 828 Real Estate is located in vibrant downtown Boone. It is a boutique brokerage firm that focuses on Quality, not Quantity. Sarah is a member of The High Country Association of Realtors, the North Carolina Association of Realtors and the National Association of Realtors. She is also a member of the Boone Chamber of Commerce and on the board for Downtown Boone Development Association. She 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. On a personal note, Sarah and Matt have 2 beautiful children, Sadie Rose (11) and Levi (9). The Longs attend Alliance Bible Fellowship and stay connected by serving the community by supporting local non-profits like Western Youth Network, The Appalachian Theatre and Valle Crucis Community Park. The Longs love to spend time outside on hikes, on the river, playing with their pup, shredding the slopes and making the most of their time in this amazing place they get to call home!