Charlotte is booming and it’s not the only one in the Carolinas that was popular in 2024. According to U-Haul’s 2024 Growth Report, Charlotte ranks #2 in the U.S. for net migration, with Raleigh and Wilmington also in the top 15. The Carolinas are seeing a huge influx of new residents—Greenville, Charleston, and Myrtle Beach are climbing the list too. Why does this matter? In high-growth cities like these, housing demand is heating up, which means you need to be smart if you’re buying or selling. Thinking about a move or making a change? When you’re ready, I’m here to help. 🏠 Useful Resources 🏠 → https://www.rebeccarichardsonmortgage.com/resources 📱 Book a FREE 15-min call! 📱 → https://calendly.com/rebeccarichardson/15min 👀 POPULAR PLAYLISTS 👀 Choosing a Lender → https://bit.ly/33iGNo1 The Loan Process → https://bit.ly/33jkVJ3 Choosing a Mortgage Strategy → https://bit.ly/3uNSe2q Shopping Your Loan → https://bit.ly/3LuQp04 Homebuyer FAQs (Shorts) → https://bit.ly/3sAyvAj First Time Home Buyers → https://bit.ly/3gEbx61 Separation & Divorce → https://bit.ly/3Luv6Md 🏡 MUST WATCH Videos 🏡 Starting the Loan Process → https://youtu.be/aiPIcCSQdIU What Documents Do You Need? → https://youtu.be/lb6Tx_XNVYs How to Make a Strong Offer → https://youtu.be/zceO2RiFKkc Preapproved for a Payment, Not a Price → https://youtu.be/SzZ77D9Px4g How Mortgage Rates Work → https://youtu.be/MqfhHOJ5Ti0 💥 Follow me on Social Media 💥 → Tiktok: https://bit.ly/34VUTMB → Instagram: https://bit.ly/3rLy5rS → LinkedIn: https://bit.ly/3oJLuyq _________________________________ As The Mortgage Mentor, I'm here to help translate industry jargon into everyday language so you can confidently choose a mortgage strategy that saves you time and money. Rebecca Richardson, AMP Mortgage Loan Officer team@themortgagementor.co NMLS #91445

The 2024 @uhaul report is in, and the message is clear: southern states like South Carolina, Texas, and Florida are the hotspots. With lower costs, better job options, and a slower pace of life, it’s no surprise people are packing up and heading south. So, what does this mean if you want to move? 1️⃣ Start early. Homes in popular areas go fast. 2️⃣ Do your homework. Prices and trends vary, even in the same city. 3️⃣ Get clear on your must-haves. The clearer you are, the faster you can make smart decisions when it counts.

For years, medical debt has crushed credit scores, making homeownership feel out of reach for millions. But that’s finally changing. With $49 billion in medical bills wiped from credit reports, more people will have a real shot at mortgage approvals—and some could see their credit scores jump by 20 points. This isn’t just about numbers—it’s about making sure financial setbacks from medical issues don’t define your future. If you’ve been waiting to buy a home, this could be the fresh start you need. When you’re ready, I’m here to help. #credit #personalfinance #mortgage #healthcare #greenscreen

Closing costs come in a few different categories, and knowing which ones can change based on your lender can save you money. 💰 Lender-dependent costs include things like loan origination fees, underwriting fees, and any points you choose to buy. These vary based on the lender you choose. Fixed costs (the same no matter the lender) include things like title insurance, taxes, and government fees. Understanding the breakdown can help you make smarter choices—and get the best deal!

Did you know parents can buy a home for their college-aged kids—and it can still count as a primary residence? As long as your student lives there, it’s a smart way to avoid dorm fees. They can even have roommates and collect rent to help offset costs! Plus, since it’s considered a primary residence, you'll get lower rates and down payments than if it was in just the parent's name and was bought as an investment property. It’s a win-win for both you and your student!

Realtors, got clients with great credit but little savings? Don’t let a down payment stop them in their tracks. Your clients are ready to buy—they’ve got the credit and the drive. It’s the upfront costs that feel like a dealbreaker. That’s where down payment assistance programs can step in, offering qualified buyers the support they need to turn a roadblock into a stepping stone. #realtor #realtors #realestateagent With options that cover a portion of the purchase price, these programs help buyers with stable income and decent credit finally make their move toward homeownership. Have questions about how this works? Drop them in the comments and let’s get your clients one step closer to their dream home.

Realtors, how many buyers stay silent because they’ve already decided homeownership is out of reach? They hear “down payment” and think, “Nope, not happening.” Here’s where you can step in. By sharing the benefits of down payment assistance programs, you can help qualified buyers clear one of the biggest hurdles to owning a home. The message is simple: homeownership might be closer than they think. #realtor #realtors #realtorlife When you show buyers what’s possible, you bring in motivated clients and build trust as the expert who turns “someday” into Closing Day.

Juggling debt while dreaming of buying a home? It might feel like a Catch-22, but there’s a way to make it work. Low down payment and down payment assistance programs like the Chenoa Fund program help so you don’t have to choose between saving and staying on top of monthly bills. This way you can focus on finding a home—and a mortgage payment—that fits your budget without draining your savings. #homebuyertips #firsthome #buyingahome What's the first step? Get a clear view of your finances and create a plan that works for you. With a little strategy homeownership could be closer than you think.

Gen Z is proving that homeownership is possible with the right approach. By focusing on affordable cities, leveraging FHA loans, and exploring creative strategies like co-ownership, they’re building wealth and breaking into the housing market.

Honesty is everything when it comes to getting a home loan. As your lender, we’re here to help make your plans possible, but we need the full picture. The more we know, the better we can guide you. And trust us—whatever it is, it’ll likely come up eventually. Better to address it upfront than halfway through the process when expectations (and money) are on the line. Let’s keep it real from the start!

Still renting because saving for a down payment feels like a never-ending mission? Home prices won’t wait for your savings to catch up, but with the Chenoa Fund, you don’t have to wait either. This program offers down payment assistance to help you buy now—not years down the line. If you’ve got steady income and decent credit, you could start putting your monthly payments toward your future, not your landlord’s. Why wait when you can start building equity today? #newhome #homebuyertips #firsthome

Realtors, do you run into this? Your clients have steady income, solid credit, and a vision for their future—but that down payment? It feels like a mountain they just can’t climb. This is where down payment assistance programs can make all the difference. These options give qualified buyers a helping hand, covering a portion of the purchase price and turning homeownership into a real, achievable goal. Ready to help your clients take the next step? Drop your state in the comments, and we’ll get you the info you need to make their dreams a reality. #realtors #realtor #realtorlife

Want to own a home but wondering, “Where am I supposed to get a down payment?” I get it—it’s a lot. But here’s the thing: you don’t have to save for years to make it happen. Down payment assistance programs like the Chenoa Fund can cover 3.5% or even 5% of your home’s purchase price. Translation? You could get the keys without emptying your bank account. If you’ve got steady income and solid credit, why wait? Homeownership might be closer than you think. #newhome #downpaymentassistance #homebuyertips