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

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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
Learn More

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
Learn More

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
Learn More

Calculate Your Mortgage

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $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.
$

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

$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?

Things To Bring For Your First Week In Your New Home June 28, 2022

Things To Bring For Your First Week In Your New Home

The process of moving into your first home can be exciting, but it can also be overwhelming. Put aside these items before packing all your belongings into boxes so you will have everything you need the moment you arrive at your new home. Dishes and Utensils You will most likely wrap the breakable tableware into […]

Backyard Camping Guide June 21, 2022

Backyard Camping Guide

A night under the stars is an experience unlike any other, but busy schedules can prevent camping getaways to some of the finest campgrounds. Camping in your backyard is very convenient, since gas prices are at an all time high. Excited families who love the outdoors are taking advantage of their own backyards, and they […]

Useful Home Features For Pet Owners June 14, 2022

Useful Home Features For Pet Owners

When looking for a new home, pets play a very important role in the decision making process. During the pandemic, more Americans have become pet owners, and they’re prioritizing their pets’ needs when looking for a home or rental. Now, more and more, pet owners say that they’d be willing to move to accommodate their […]

Get The Most Out Of Your House Tour June 7, 2022

Get The Most Out Of Your House Tour

The process of buying your first home can be exciting. Once you’ve found a home you’re interested in online, schedule a tour as soon as possible but don’t get caught up in the excitement or you may miss some important details about the house. Do some research and take notes Most of the time you’ll […]

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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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