Why Homelendia Mortgage American Dream is a mortgage brokerage like no other!

We won’t try to dazzle you with glitzy advertising, try to impress you with long-winded terminology about mortgages, or make you feel uncomfortable about your financial concerns when purchasing your part of The American Dream! We want to give you honest answers to questions about purchasing your home, whether you are a first-time home buyer, a real estate investor, a second home/rental homeowner, or you simply want to re-finance your way out of your existing mortgage.

Our number one goal is helping our clients

Licensed in North Carolina, our goal is to provide the best possible world class service in mortgage lending to the best clients, average American citizens just like you!

We believe in the American principles of homeownership for the average working American citizen...
and we want to prove it!

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Exclusive Home Loan Services for Carolina Public Servants

But the thing that makes Homelendia Mortgage American Dream a special mortgage broker is the folks that we choose to work with! That’s why our focus is on Veterans, our North Carolina first responders, firefighters, law-enforcement professionals, nurses, medical professionals, and of course... our educators. Our commitment to you is to give you the constant respect that you deserve while we find you the perfect mortgage. Our loan officers are committed to World Class Service!

And unlike many home mortgage brokerages, we won’t fit you into our "mortgage du jour". We will diligently look for the best loan package that is specific to you. With a full array of mortgage packages ranging from VA, FHA, USDA, conventional, or new construction! We have a specially tailored program just for you!

The Do's & Don'ts

The Do's...

  • Provide all requested financial documentation within 24 hrs
  • Disclose all of your income that you would like considered for qualifying purposes
  • Disclose all of your debts (i.e. side business, alimony, child support, additional real estate owned, etc.)
  • Be upfront about your credit (good, bad, or otherwise)
  • Pay all of your bills on time (mortgage, rent, car payments, credit cards, etc.)
  • Continue to use your credit card as you normally would, but not excessively
  • Make your spouse available to sign at closing if purchasing a primary residence
  • Keep in communication with your Loan Originator or Loan Partner

The Don'ts...

  • Change or quit your job
  • Apply for New Credit or Loans of any kind
  • Pay off debts, collections or charge-offs (unless advised to do so by your Loan Originator)
  • Move
  • Co-sign or become a co-borrower on any other loan
  • Make major changes to your asset structure
  • Make any cash deposits into your bank accounts
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Frequently Asked Questions

If you don’t find the answer that you are looking for, just contact us and we’ll get you the right answers.

Being pre-qualified is based on your provided information, which will then give you an estimate on the amount that you are able to borrow. A Pre-approval means that your information is evaluated thoroughly. It is a closer estimation of how much you will be approved for.

You, and your co-borrower, if applicable, will need the following documents when applying for a loan:

  • Social security number
  • Two years proof of employment (if self-employed, please provide most recent two years business tax returns and current YTD profit/loss statements as well as balance sheets)
  • Two most recent paystubs
  • Two most recent years of tax documents (w-2 statements and tax returns)
  • Bank account information (two most recent months of asset statements-checking, savings, retirement, etc.)
  • Credit information (provide details of any new accounts or accounts not currently reporting on your credit report such as monthly expenses (housing, etc.)

There are many factors that could impact the type of loan you qualify for. You could reach out to your local loan originator to find out what loan you qualify for. If you need more information on the various types of loans, feel to contact us or give us a call, 910-477-3467

An appraisal is the process of having a licensed and trained individual report on the worth of a home. This individual is completely unbiased and will be able to provide the lender, buyer and seller an accurate value of the home. Having an appraisal done on the home establishes protection for all parties involved. They will determine if repairs are needed, if the price is fair in comparison to other homes within the area, and a detailed report calculating the true value of the home.
Give us a call! 910-477-3467

An interest rate is the amount it will cost you to borrow the principal loan amount. It could either be a variable or fixed amount and will always be expressed in percentage form. An APR measures a mortgage and includes the interest rate plus discount points, closing costs and broker fees. APR’s are expressed in percentage form.

Closing costs include:

  • Loan origination fees
  • Appraisal fees
  • Discount points
  • Title insurance
  • Taxes
  • Surveys
  • Credit report charges
  • Deed-recording fees
  • Title searches

Refinancing is when you replace your current loan with a new loan. This new loan should include improved terms and features than the prior loan. If your current loan is too expensive or risky, then you should look into refinancing. Typically, refinancing is beneficial because you can: Save money Lower your payments Shorten your loan term Change your loan type Consolidate your debts Pay off a Loan with a Due-date or balloon payment.

Yes, you can qualify for a mortgage as long as the seasoning requirements for the specific loan type have been met. This is something you can discuss with your Loan Originator in detail.