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

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?

First-Time Homebuyer’s Guide March 14, 2025

First-Time Homebuyer’s Guide

Finding Agents, Brokers, and Navigating the Process Buying your first home is an exciting milestone, but it can also feel overwhelming if you’re unfamiliar with the process. With the right knowledge and preparation, you can make informed decisions and reduce stress. Here’s a comprehensive guide to help you find a trustworthy real estate agent and […]

Rainy Season Home Protection Guide March 7, 2025

Rainy Season Home Protection Guide

The rainy season can be a blessing for gardens and water reservoirs, but for homeowners, it brings the risk of water damage. Heavy rainfall can lead to leaks, flooding, mold growth, and structural deterioration if precautions are not taken. Fortunately, with some preventative measures and timely repairs, you can safeguard your home from costly water-related […]

The Benefits of Homeownership and How to Achieve It March 1, 2025

The Benefits of Homeownership and How to Achieve It

Owning a home has long been considered a cornerstone of the American Dream, and for good reason. Beyond providing a place to live, homeownership offers financial stability, wealth-building opportunities, and personal fulfillment. While the process of buying a home can seem daunting, understanding the benefits and taking strategic steps can help you achieve this rewarding […]

Overcoming Roadblocks for New Home Buyers February 21, 2025

Overcoming Roadblocks for New Home Buyers

Buying your first home is an exciting milestone, but the journey to homeownership can be full of unexpected roadblocks. From financial hurdles to market competition, first-time buyers often face significant challenges that can feel overwhelming. However, with the right knowledge and preparation, these obstacles can be navigated successfully. Here’s a look at some common roadblocks […]

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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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