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Outer Banks Lenders

At a minimum, talk to an Outer Banks lenders PRIOR to looking at home listings, even if you’re only “thinking about it” you may buy. In todays, market if you are not “ready to go” your dream home may be other too.  3,4,5 offers on properties is not that uncommon when the price is right, and the property is to boot.  Pre-qualifying for an Outer Banks mortgage before you preview property will save you and your realtor valuable time by previewing properties that match closest.  Talking to a lender doesn’t mean lender will hit the credit bureaus with inquiries.  Instead, you can count on having a general conversation based on facts like your debt, income, and investments.  Outer Banks lenders need to keep up with the Federal guidelines for Fannie Mae and Freddie Mac, as they are in a constant state of change.

Home loans encompass a broad range of products.  On the Outer Banks you may get primary home, second home, investment home, or  new construction.  New construction loans covert to a permanent mortgage once the house is complete and that all obligations are satisfied by the lender. Including any government agencies.

Beau Spivey
U.S. Bank Mortgage
Mortgage Branch Manager
252.564.3295
beau.spivey@usbank.com
NMLS# 580333

 

Corolla - Duck - Southern Shores - Kitty Hawk - Kill Devil Hills - Nags Head - Manteo / Roanoke - Hatteras Island

outer banks lenders and mortgages

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    RE/MAX Surfside Note: Any member (individual or company) of the Outer Banks Association of Realtors (OBAR) may have have their own rules, procedures, and guidelines for COVID-19.  Contact those members/organizations directly for their specific COVID-19 rules, procedures, and guidelines. The CDC, North Carolina, and Dare County currently do not have specific COVID-19 guidelines for real estate companies or short term vacation rentals. Some guidelines:  CDC  North Carolina  Dare County.
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