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?

Why Owning a Rental Property Is a Smart Investment July 5, 2025

Why Owning a Rental Property Is a Smart Investment

Owning a rental property is one of the most effective ways to build long-term wealth. Whether you’re looking to supplement your income, diversify your investment portfolio, or plan for retirement, rental real estate offers a range of financial and personal benefits. However, it’s important to prepare thoroughly and follow best practices to ensure your investment […]

What to Do After Water Damage in Your Home June 27, 2025

What to Do After Water Damage in Your Home

Water damage in your home can be overwhelming, whether it’s from a burst pipe, a leaking roof, or a natural disaster. Acting quickly and following the proper steps can help minimize long-term damage, reduce repair costs, and ensure your home is safe. Here’s a step-by-step guide for homeowners on what to do after discovering water […]

House Painting Made Easy: Color Choices, Tips & Costs June 20, 2025

House Painting Made Easy: Color Choices, Tips & Costs

Giving your home a fresh coat of paint is one of the easiest and most cost-effective ways to transform your space. Whether you’re looking to enhance curb appeal, refresh a tired room, or prepare your house for sale, a new paint job can do wonders. But before diving into gallons of paint, it’s important to […]

Remodel Costs & ROI by Room June 13, 2025

Remodel Costs & ROI by Room

What’s the Average Remodel Cost Per Room—and Is It Worth It When You Sell? Remodeling your home can increase comfort, improve functionality, and boost property value—but not all renovations offer the same return on investment (ROI). Whether you’re considering a full kitchen upgrade or a simple bathroom facelift, understanding average remodel costs and the potential […]

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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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