Charlotte Home Mortgage Expert

Helping you and your family achieve the dream of homeownership.

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Michael Bogar

Michael Bogar

Producing Branch Manager

(704) 659-2675
NMLS #49843

Latest Videos

Which Home Loan is Right for You?

3 of the most popular Charlotte home loans we provide here at Mid America Mortgage Charlotte are listed below. We've highlighted just a few of the key differentiators between these mortgage types that will help you understand which one may be best suited for your needs. If you'd like to learn more about all the Charlotte home mortgage products we offer, please click below.

Conventional Home Loans Charlotte

Typically a fixed rate home loan that allows the borrower to eliminate mortgage insurance once they hold >20% equity in their property.

  • Lower Rates
  • Flexible Terms
  • Fixed or Adjustable
Conventional Loans

FHA Home Loans Charlotte

This home loan program allows down payments as low as 3.5% of the purchase price, although you are required to pay mortgage insurance.

  • Lower Credit Requirements
  • Smaller Down Payment
  • Competitive Rates
FHA Loans

VA Home Loans Charlotte

Reserved for those who serve our country. VA home loans offer 100% financing, low interest rates & don't require mortgage insurance.

  • 0% Down Payment
  • No Mortage Insurance
  • No Prepayment Penalties
VA Loans

Calculate Your Mortgage

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

What's Your Home Worth?

The Road to Lower Mortgage Rates: What Could Make It Happen? September 22, 2023

The Road to Lower Mortgage Rates: What Could Make It Happen?

Mortgage rates play a significant role in the housing market, affecting affordability for potential homebuyers and those looking to refinance. However, predicting and influencing mortgage rates isn’t straightforward. Understanding the factors that influence them can offer insights into what might lead to lower rates. Federal Reserve’s Influence The Federal Reserve’s monetary policy is a major […]

Tips and Tricks to Prevent Package Theft at Home September 15, 2023

Tips and Tricks to Prevent Package Theft at Home

In the age of online shopping, package theft has become an increasingly common problem for homeowners. With the convenience of having items delivered to our doorsteps comes the risk of those items falling into the wrong hands. Fortunately, there are several proactive steps you can take to safeguard your packages and prevent theft. Here are […]

Ready Your Home Before You Get Sick September 8, 2023

Ready Your Home Before You Get Sick

As the seasons change, temperatures fluctuate and kids return to school, it becomes almost inevitable that someone in your house will get sick. Whether it’s the common cold, the flu, or a new variant of COVID-19, it’s crucial to be proactive and prepare your home to minimize the risk of illness and ensure comfort when […]

Navigate Your Long Distance Move with Ease September 1, 2023

Navigate Your Long Distance Move with Ease

Whether you’re starting a new chapter in a far-off city or embracing a fresh adventure in a different country, long distance moves can be both exciting and daunting. The prospect of relocating your life and belongings across hundreds or even thousands of miles might seem overwhelming, but fear not! With careful planning, a positive mindset, […]

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Contact Michael Bogar

Michael Bogar - Producing Branch Manager

NMLS# 49843

(704) 659-2675

1300 Baxter Street, Suite 259 Charlotte, NC 28204

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