Why you won't see a
"Teaser Rate" here
You are looking for a home, not a marketing gimmick. I believe you deserve an honest number, not a clickbait promise that changes once you apply.
The problem with "Online Rates"
If you Google "Current Mortgage Rates" right now, you will see some incredibly low numbers. But there is usually a catch in the fine print. Those advertised rates almost always assume:
You have a perfect 780+ Credit Score.
You are putting 20% to 40% down.
THE BIG ONE: You are paying thousands of dollars in upfront "Points" to buy that rate down.
That isn't a quote, that's a sales tactic.
I don't operate that way. I’m a neighbor, not a call center. I want to give you a rate that you can actually take to the closing table.
What actually determines your rate?
A mortgage rate is like a fingerprint—it’s unique to your financial situation. Here is what actually moves the needle on the number I can offer you:
Your Credit Score
A higher score generally means a lower rate. But even if your score isn't perfect, we have programs (like FHA and VA) designed to keep rates affordable.
Property Type
Are you buying a primary home in Cape Carteret or a vacation condo in Emerald Isle? Investment properties and second homes carry slightly higher rates because lenders view them as higher risk.
Loan Type
VA and USDA loans often have lower interest rates than standard Conventional loans. If you are a Veteran or buying in a rural area (like Stella or Peletier), you might get a better rate than you expected.
The Market
Rates change daily—sometimes hourly. The only way to know the real number is to look at the market today.
"Should I Lock or Float?"
This is the most common question I get.
Locking
means we guarantee your rate for a set period (usually 30-45 days) so you are protected if rates go up before you close.
Floating
means we wait to see if rates drop lower before we lock.
In a volatile economy, gambling on a lower rate can be risky.
When we speak, I’ll give you my honest assessment of where the market is trending so you can make the decision that lets you sleep at night.
Let’s Get Your Real Number.
Don't rely on a calculator that doesn't know your story. Give me 10 minutes. I’ll look at your specific scenario—income, credit, and goals—and give you a Total Cost Analysis.
I will show you the rate, the monthly payment, and the cash to close, with zero hidden fees.
Get the rate you need now
Tell me what you're dealing with, and I'll give you a clear, realistic breakdown of your options.
Tyler Kercheval
He is diligent, personable, and reliable.
Ashleigh Ellis
Made the entire process smooth and easy.
Joseph Irwin
The only person I will ever recommend in the future.