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Getting the best Financing

Finding the right home for you is your primary goal, but enjoying it with a lower payment and better mortgage terms is a very important secondary goal. I’ve researched and worked with many mortgage brokers and lenders in the Concord real estate markets, and I’ll help you to contact those that are the best fit for you and your financial picture.

The normal mortgage for working families – Just because there’s nothing special about your income stream, and you’re getting a paycheck every week, that doesn’t mean that there won’t be differences in mortgages and lenders for your needs. Every mortgage broker and most lenders tend to work within their own requirements and procedures, and these may or may not be the friendliest terms for a salaried or hourly wage earner. I know which are going to treat you right and give you the best terms, and I’ll guide you to them.

The self–employed borrower – Since the mortgage and housing crisis that began in 2007, it’s become a grueling process for a business owner or self–employed person to get a mortgage. Documentation of income and expenses is much more detailed, and I'm up–to–date on all of it. I’ll steer you toward multiple sources for great mortgages for the self–employed.

Less than stellar credit – All types of lenders have become tougher in our new financial environment, and it’s easy to get a ding or two on your credit these days. It doesn’t even take a mistake or late payment, as credit scores are reduced for the amount and ratio of debt, as well as types of debt. Millions of people pay their bills on time and still don’t have those high end credit scores. I know the lenders in the Concord, Harrisburg, Indian Trail, Matthews, Weddington, Pineville, Marvin, Waxhaw, Charlotte, and Mint Hill real estate markets ready to provide good mortgages for less than high end credit scores, and I’ll tell you who they are.

ARMs and When They're Appropriate  Though most residential home buyers are buying a home they intend to occupy for a number of years, on average around the country at least eight, this isn't always the case. Also, investors may be looking at a shorter ownership time frame. ARMs, Adjustable Rate Mortgages, are appropriate if the plan is to own a home seven or fewer years, particularly five or fewer. Because the lender is tying up their money for a shorter defined time period, they loan at lower interest rates. ARMs can result in hundreds of dollars a month in lower payments in some cases. They can also allow a buyer to qualify for a larger home. However, this isn't generally a great practice, as once the ARMs fixed rate interest period is over, rates can escalate more than expected.

Financial Disclosure and Deal-To-Closing Considerations – Especially after the mortgage and housing problems that began in 2007, lenders and their underwriters are scrutinizing financial, income and expense information much more closely than ever before. Be prepared to dig out a lot of documentation, and it’s best to be forthcoming with any financial information that impacts your ability to pay the mortgage payment. Even if it’s not asked for early in the process, be prepared for questions and requests for documents throughout the process. Also, it’s highly recommended that you not add any credit card or other debt between the purchase contract and the closing. Just before closing, most lenders will do another credit check and a check for any liens or encumbrances.

Watch the Fees and Question Them  There are a number of fees associated with getting a mortgage, and the total of origination and other fees is usually the highest closing cost aggregate item in the deal. Never hesitate to ask about all fees, why they’re charged and why they’re a certain amount and how they’re calculated. It’s your money, and you’re the customer.

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Contact Info
Agent
John Walker

John Walker Realty

7900 Stevens Mill Rd, D-209
Matthews  North Carolina 28104

704-651-8817 walker.john.c@gmail.com

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Success Stories
  • Our experience working with John Walker was most positive. His knowledge of the house buying process as well as his quick friendly responsiveness made our first home purchase experience awesome. He was absolutely great to work with in every way and we would recommend John to anyone we know who is looking to buy a home.

    The Gennusa Family, Indian Trail NC
  • John was fantastic! He helped us every step of the way to find and buy our dream house. From the beginning of our preliminary search to closing the deal he was always there for us. We were relocating from out of state and John did an excellent job of familiarizing us with Charlotte. He knows every neighborhood here.

    The Palmer Family, Charlotte NC
  • John helped us in every phase of selling one home and buying another - from deciding if this was the right time for us to sell, to helping us choose the right area and house, to the mortgage/insuring and finally moving phase. He was extremely energetic and focused on getting us what we wanted, and always seemed available to answer our questions and research the few things he didn't already know. I cannot recommend him highly enough!

    Denis and Martha, Charlotte NC
  • John was not only extremely professional but so personable as well. We are so thankful for all of his help. This was a difficult time because of the loss of our dad but John made this as easy of a process as it could have been. We now consider him a friend as well as an agent. We are blessed to have found him!

    The Ward Family, Mint Hill NC
  • John was wonderful to work with. We relocated from another state and were not familiar with the area at all. We were 100% confident and comfortable with John during the entire process. If you're looking for a Charlotte agent, John Walker is the one!

    The Robinson Family, Charlotte NC
  • John Walker was extremely helpful to me during my recent search and purchase of my new home. He was always available by e-mail and phone and responded quickly to any question I had. Being from out of state made things a little more complicated during the purchasing procedure, but John was there to help me every step of the way! I HIGHLY recommend him for all of your real estate needs.

    The Burkes, Harrisburg NC
  • John is a knowledgeable and attentive agent who worked hard to get us a house in Charlotte that fit our needs. He is really the perfect agent because he did not pressure us at all, but would respond to our questions and requests right away. He really listened to what we wanted and helped us to find a house that we love. We really think John is a wonderful agent and would happily recommend him to anyone!

    The Larson Family, Mooresville NC
  • Only five stars? My partner and I give him ten! Greg describes John as a true pro - a RealtorĀ® who is proactive in helping his clients both find the home of their dreams and then negotiate and navigate the complicated process of acquiring it. What impressed me most was his willingness to listen.

    The Osengas, Charlotte NC
  • John was extremely helpful and was quick assist us in all aspects of the search for and purchase of our new home. I highly recommend him to anyone who is looking for a home in the Charlotte, Mint Hill area.

    The Vorhies Family, Mint Hill NC
  • John acted as my buyer's agent to help me purchase this home and I highly recommend him to other buyers. Having spent his whole life here, John has deep and relevant knowledge of the Charlotte market that guided my decisions. He was able to walk me through every step of the process and help me stay a few steps ahead of the game. John also introduced me to the partners I needed to complete my purchase.

    Mr. Schmidt, Waxhaw NC
  • My wife and I are new to the Charlotte area. We started working with John months before we had even moved down here and from day one he was always super responsive and helpful while never at any point pushy. John was also extremely patient with us and would give us honest feedback on homes because he was not just trying to get us into a home, he wanted to make sure we were making the best decision.

    Keith and Leane Fochi, Charlotte NC


The data relating to real estate on this Web site derive in part from the Carolina Multiple Listing Services, Inc. IDX program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither John Walker nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing. © 2017 Carolina Multiple Listing Services, Inc.

Last updated on Mar 25, 2017.

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