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.
Typically a fixed rate home loan that allows the borrower to eliminate mortgage insurance once they hold >20% equity in their property.
This home loan program allows down payments as low as 3.5% of the purchase price, although you are required to pay mortgage insurance.
Reserved for those who serve our country. VA home loans offer 100% financing, low interest rates & don't require mortgage insurance.
October 17, 2026If you own a home and need cash for a remodel, a tuition bill, or high-interest debt, you have three main ways to borrow against your equity: a home equity line of credit (HELOC), a fixed-rate home equity loan, or a cash-out refinance. This fall, the choice between them matters more than usual, because the […]
October 9, 2026If you are buying a home or refinancing this fall, one line on your Loan Estimate may look a little different than friends who closed last year. Your appraisal fee may run about $65 higher in many markets, and the schedule can stretch a bit while the industry switches to a new report format. That […]
October 2, 2026For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac […]
September 25, 2026In September, two out of three U.S. home builders said they were using sales incentives to move houses, according to the NAHB/Wells Fargo Housing Market Index. That share rose to 66% from 63% in August, the highest reading since last December. Separately, 38% of builders reported cutting prices, with the average reduction holding at 6% […]
4037 E Independence BLVD STE 100 Charlotte, NC 28205
