Charlotte Home Mortgage Expert

Helping you and your family achieve the dream of homeownership.

Apply Online Questions?
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?

How to Stay Healthy During Seasonal Changes February 14, 2025

How to Stay Healthy During Seasonal Changes

Sanitize Your Home and Objects As the seasons change, so does the likelihood of getting sick. With fluctuating temperatures, increased allergens, and the spread of viruses, it’s essential to maintain a clean and sanitized environment to protect yourself and your family. Proper sanitation of your home and frequently touched objects can help reduce the risk […]

Packing and Moving: Tips and Tricks for a Smooth Transition February 7, 2025

Packing and Moving: Tips and Tricks for a Smooth Transition

Moving can be an overwhelming and stressful process, but with careful planning and the right strategies, it can be a seamless and even rewarding experience. Whether you’re relocating across town or to a different state, the key to a successful move is organization. Here are some essential tips and tricks to help you pack and […]

Pet-Proofing Your Home January 31, 2025

Pet-Proofing Your Home

Tips & Tricks for a Safe Space Bringing a pet into your home is exciting, but it also comes with responsibilities. Just like baby-proofing, pet-proofing your home is essential to ensure your furry (or feathered) friends stay safe and comfortable. Whether you’re welcoming a new pet or want to improve your current setup, these tips […]

How to Properly Remove Bad Smells from Your House January 24, 2025

How to Properly Remove Bad Smells from Your House

Bad smells in the home can make even the most beautifully decorated space feel unwelcoming. Whether it’s the lingering scent of last night’s dinner, pet odors, or a mysterious musty smell, tackling odors effectively requires a mix of strategies. Here are some tried-and-true methods, as well as newer ideas and innovative products to help you […]

X
Contact Michael Bogar

Michael Bogar - Producing Branch Manager

NMLS# 49843

(704) 659-2675

1300 Baxter Street, Suite 259 Charlotte, NC 28204

Get Directions