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Erin Schlachter
Mortgage Loan Officer
NMLS#: 645889
I have over 20 years of combined financial and mortgage experience. I am primarily located in the Piedmont Triad Region; however, with today’s resources, I am able to successfully service all counties in North Carolina and surrounding states.
Apply NowHome Loan and Refinancing Services in Greensboro
When buying a home or refinancing in Greensboro, choosing the right mortgage loan is essential for your financial well-being. As a top mortgage lender in Greensboro, NC, we offer a variety of non-conventional and conventional loan options tailored to meet the needs of buyers and homeowners in the area.
Loans for Buying a Home:
- Fixed-Rate Mortgages: Ideal for those seeking stable payments throughout the loan term, providing predictability in a fluctuating market.
- Adjustable-Rate Mortgages (ARMs): With lower initial rates, ARMs are perfect for buyers who plan to move or refinance before the mortgage rate adjusts.
- FHA Loans: An FHA loan offers lower down payment requirements and flexible credit standards, making it a good option for first-time homebuyers.
- VA Loans: Exclusively for veterans and military families, VA loans offer no down payment and competitive interest rates.
- USDA Loans: Great for rural areas, USDA loans require no down payment and offer low-interest rates.
- Jumbo Mortgages: Designed for buyers looking at higher-priced homes, a jumbo mortgage allows for loan amounts beyond conventional limits.
- First Time Homebuyer Loans: Low down payment required, making homeownership accessible for first time homebuyers and community partners without significant savings.
- Manufactured Home Loans: These loans cater to those purchasing mobile or modular homes.
- Investment Property Loans: Designed for those purchasing rental properties to generate income.
- Second Home Loans: Ideal for vacation or additional properties.
With a competitive mortgage market, Greensboro offers a range of loan options from local lenders familiar with the area. Reach out to our home loan company today to learn more about your financing options.
Loans for Refinancing a Home:
Refinancing can offer benefits like lower mortgage rates or improved loan terms. Similar to home buying, many of the same loan types are available for refinancing, including:
- Fixed-Rate Mortgages: Lock in a lower rate to reduce monthly payments with predictable payments.
- Adjustable-Rate Mortgages (ARMs): Secure lower initial payments if you plan to sell or refinance soon.
- FHA Loans: The FHA Streamline program offers a simple process for refinancing with minimal paperwork.
- VA Loans: Refinancing with a VA loan offers low rates and no down payment.
- USDA Loans: Refinancing into a USDA loan offers better rates for eligible homeowners.
- Jumbo Mortgages: For homeowners with higher-value properties, jumbo mortgages offer competitive terms.
- Manufactured Home Loans: Refinancing options available for manufactured homes with favorable terms.
Why refinance? Refinancing can help you secure a lower interest rate, consolidate debt, or change your loan structure for more favorable terms.
Hello, Greensboro
Greensboro’s mortgage market offers a wide range of opportunities. We are a local mortgage lender providing competitive options and a variety of home loan products. We understand the unique market of Greensboro and offer personalized services that are tailored to meet the needs of homebuyers. From first-time buyers to those exploring more advanced mortgage solutions, Right By You Mortgage in Greensboro is here to guide you through the mortgage process.
Due to continued growth in Greensboro, it’s important to choose a mortgage lender who can help you navigate market changes to find the best terms to meet your needs and to make informed decisions.
Working with our local expert, Erin Schlachter, provides significant advantages. His in-depth knowledge of Greensboro’s market and his experience in helping clients through the mortgage process will guide you toward the best mortgage options. Erin’s here to offer the best mortgage lender advice, provide clarity throughout the loan process, and help you secure a path to homeownership.
Understanding Homebuyer Assistance Programs in Greensboro
If you’re looking to buy a home in the Greensboro area, there is a variety of homebuyer assistance programs that can make your journey to homeownership more affordable and accessible. These programs are specifically designed to support residents – especially first-time buyers, low-income families, and veterans – with reliable mortgage assistance in Greensboro.
Assistance Programs
Greensboro offers several residential mortgage programs that make homeownership more achievable. These may include lower down payment mortgage options and other initiatives that help ease the upfront costs of buying a home.
Eligibility for Greensboro Mortgages
Certain mortgage solutions – like FHA loans, VA loans, and USDA loans – offer low-interest rates and easier qualification requirements, making homeownership more accessible to those who meet the criteria. FHA loans are ideal for first-time homebuyers or those with less-than-perfect credit, while VA loans are specifically for veterans, active military members, and their families. USDA loans are available for homes in rural or suburban areas, offering no down payment and competitive interest rates.
Improving Credit to Secure Pre-Approval
One of the most important steps in securing mortgage pre-approval is improving your credit score. Lenders typically look at your credit score, and the better your score, the more favorable your loan estimate and terms may be. Consider paying down outstanding debt, making on-time payments, and avoiding new credit applications before applying for a mortgage. As a leading mortgage company in Greensboro, Right By You Mortgage can help you develop a strategy to boost your credit and improve your chances of securing a pre-approved loan.