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
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

Up-Front MIP (1.75%)$0

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%

5%

1%

$
$

$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?

Staying Cozy: Ways to Keep Your Home Warm This Winter November 1, 2024

Staying Cozy: Ways to Keep Your Home Warm This Winter

As the winter months roll in and temperatures start to drop, keeping your home at a comfortable temperature becomes a top priority. Whether you’re looking to stay toasty using cutting-edge technology or prefer tried-and-true methods, there are plenty of ways to heat your home efficiently and effectively. Here’s a look at both modern and traditional […]

How to Create a Holiday Budget and Stay on Track October 25, 2024

How to Create a Holiday Budget and Stay on Track

The holiday season is a time for joy, celebrations, and spending quality time with loved ones. However, it’s also a time when expenses can pile up quickly if you’re not careful. From gifts and decorations to travel and entertaining, the costs can escalate and leave you stressed when January rolls around. By creating a realistic […]

Fun Fall Activities to Enjoy This Season October 18, 2024

Fun Fall Activities to Enjoy This Season

As the vibrant colors of summer fade and the crisp chill of autumn sets in, it’s time to embrace the cozy, festive spirit of fall. There’s something magical about this season—the cooler temperatures, golden leaves, and the return of all things pumpkin-flavored create the perfect backdrop for outdoor adventures and cozy indoor activities. Whether you’re […]

Navigating Delays in the Home-Buying Process October 11, 2024

Navigating Delays in the Home-Buying Process

Buying a home is an exciting but often stressful experience. The thrill of finding the perfect house can quickly be dampened by unexpected delays in the buying process. These setbacks can lead to frustration, but they’re common and often manageable. Understanding the potential causes of delays and knowing how to navigate them can ease the […]

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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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