Ram Mortgage, LLC

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Ram Mortgage, LLC Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Ram Mortgage, LLC, Mortgage brokers, 3540 Toringdon Way, Suite 200, Charlotte, NC.

Making home financing simple, transparent, and stress-free.
🏡 Purchase • Refinance • FHA • VA • USDA • Conventional • Jumbo Loans
📍 Licensed in 19+ States
NMLS ID #2301828 https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2301828

What happens if your home appraises for less than your offer?The lender generally uses the appraised value when evaluati...
10/15/2026

What happens if your home appraises for less than your offer?

The lender generally uses the appraised value when evaluating the property, but you may still have options:

Option 1: Negotiate a lower purchase price.
Option 2: Request a reconsideration of value when supported by evidence.
Option 3: Pay the difference, if financially feasible.

Knowing your options ahead of time can help you make a confident decision before your next move.

10/14/2026

Thinking about changing jobs before closing? It's one of the most common questions we hear from buyers.

Your employment and income are part of how your loan is reviewed, and they may be verified again before closing. Depending on the type of change and your loan program, a new job during the process could affect your file.

Before making any career moves while you're under contract, talk with your loan officer first so you understand how it may impact your loan.

🏡 Turned Down for a Mortgage Because of Your Credit Score?It may be time for a second look! 👀United Wholesale Mortgage (...
10/14/2026

🏡 Turned Down for a Mortgage Because of Your Credit Score?

It may be time for a second look! 👀

United Wholesale Mortgage (UWM) has removed its minimum credit-score overlay for eligible Conventional, FHA, VA, and USDA loans.

📌 What does this mean for homebuyers?

✅ A lower credit score doesn't automatically mean rejection.
✅ Automated Underwriting Systems (AUS) evaluate multiple financial factors.
✅ Credit scores still affect mortgage rates and pricing.

💡 Your credit score is important, but it isn't the only factor in your mortgage journey!

If you've been told your score is too low, exploring your options again could open new possibilities.

At Ram Mortgage, we're here to help you explore your home financing options!

Important Section 184 Loan Fee Update!Starting October 1, 2026, the upfront loan guarantee fee for new Section 184 Firm ...
10/13/2026

Important Section 184 Loan Fee Update!

Starting October 1, 2026, the upfront loan guarantee fee for new Section 184 Firm Commitments increases from 1.00% to 1.50%.

📌 What does this mean for homebuyers?

✅ An additional $500 per $100,000 borrowed
✅ Annual loan guarantee fee remains at 0%
✅ Down payment options as low as 2.25% for eligible borrowers

Understanding these changes can help you make informed home financing decisions.

At Ram Mortgage, we're here to help you explore your mortgage options!

10/13/2026

Getting pre-approved is an exciting step, but it isn't the finish line.

A pre-approval is based on the information available at the time. Your loan still goes through underwriting, appraisal, and final review before closing, and changes to your income, employment, credit, or debts along the way can affect the outcome.

Staying consistent and keeping your loan officer informed can help keep the process on track.

10/12/2026

Happy Columbus Day! 🌊⛵

Honoring the journey, courage, and determination that inspire us all. May that spirit encourage us to explore new possibilities and move forward with confidence.

Is 20% down really required to buy a home? It's one of the most common mortgage myths. 🏡Swipe through to learn:➡️ Puttin...
10/10/2026

Is 20% down really required to buy a home? It's one of the most common mortgage myths. 🏡

Swipe through to learn:
➡️ Putting 20% down on a conventional loan can generally mean no PMI
➡️ But that doesn't mean every buyer must put 20% down
➡️ Lower down payment options exist, depending on the loan program and your eligibility

The better question isn't "Do I have 20%?" It's "What options do I qualify for?" Don't wait for a number you may not need. Learn what your actual down payment requirements could be.

We're hiring loan officers! 🚀Looking for a team built to grow? Join a 100% remote team with weekly training plus process...
10/09/2026

We're hiring loan officers! 🚀

Looking for a team built to grow? Join a 100% remote team with weekly training plus processing and marketing support, so you can focus on helping borrowers and building your business.

More options. More support. More room to grow.

Interested? Send us a message to learn more.

Watching mortgage rates every day? 📉📈Rates matter, but they're only one part of your mortgage picture. Try keeping an ey...
10/08/2026

Watching mortgage rates every day? 📉📈

Rates matter, but they're only one part of your mortgage picture. Try keeping an eye on these numbers too:
✔️ Your credit
✔️ Your monthly debts
✔️ Your savings
✔️ Your homebuying budget

Prepare now, so you can decide when the numbers work for you.

10/07/2026

Mortgage rates moved again. 📊

Even a small rate change can affect your monthly payment and your buying power. But your actual rate depends on more than the market: your credit, down payment, loan type, and overall financial picture all play a role.

Buying or refinancing? Focus on the complete financing picture and explore your options before you decide.

Address

3540 Toringdon Way, Suite 200
Charlotte, NC
28277

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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