Carolyn Nguyen - NMLS 1988059 - Cardinal Financial

Carolyn Nguyen - NMLS 1988059 - Cardinal Financial Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Carolyn Nguyen - NMLS 1988059 - Cardinal Financial, Mortgage brokers, 3701 Arco Corporate Drive, Suite 200, Charlotte, NC.

I’m here to educate you on mortgage terminology so you don’t have to feel stumped when these new words and acronyms get ...
03/14/2023

I’m here to educate you on mortgage terminology so you don’t have to feel stumped when these new words and acronyms get thrown your way! 👩🏻‍💻

PITIA is your monthly home mortgage payment and stands for principal, interest, taxes, insurance, and homeowners' association.

The principal portion of your payment is essentially the amount of debt you are borrowing.

The interest portion of your payment is the cost of borrowing that money for the loan, or the expense the bank or mortgage lender charges for taking on the risk.

The tax portion of the payment is paid to the local government based on the assessed property value and tax rate for the area.

The insurance portion of the payment covers homeowners/hazard insurance, which protects the borrower (and lender) from a number of dangers and provides liability coverage.

*The association part doesn’t apply to everyone. This may apply if there is an HOA that charges due for your property each month.

Use my mortgage calculator to estimate your monthly mortgage payment based on loan amount, annual interest rate, length of the mortgage, and other important factors.

Have questions? Ask me!

carolynnguyen.mortgagemapp.com
[email protected]
(408) 904-8223

Did I use this post as an excuse to show my dog? Maybe. Want to get you and your loved one a home but don’t know where t...
03/09/2023

Did I use this post as an excuse to show my dog? Maybe.

Want to get you and your loved one a home but don’t know where to start? Don’t worry, I got you! I know the process of buying a home can be daunting but with the right team it won’t be.

Here are some basic tips that will help you ⬇️

1. Meet with a lender. You’ll be able to walk away confidently after knowing what loans you potentially qualify for and the options, understand the process and what to expect, get a pre-approval.

Hi, it me 🙋🏻‍♀️

2. When you apply for a pre-approval, lenders will pull your credit. Understand your number and see if there are ways to improve your credit score. If necessary, raising your score will help you get a lower mortgage rate which means lower mortgage payments. Don’t open any new lines of credit. Don’t do it!

3. Review your monthly payment obligations against your income to determine what a comfortable monthly mortgage payment will be. Understand what works for you and your family.

4. This part is fun, in my opinion. I’m a numbers girl. Play around with a mortgage calculator! Punch in the numbers to calculate your estimated monthly payments and help you weigh out the options and costs.

Did I mention I have a customized app that can do this?

https://carolynnguyen.mortgagemapp.com/

5. Manage your finances. Save for your down payment and closing costs. Know that there are different options with different minimum requirements but the more you can put down, the smaller the loan and possibly avoid PMI.

Please share this if you found it helpful!

I’m here to help. Contact me!
(408) 904-8223
[email protected]

Curious to know more? DM me!
03/07/2023

Curious to know more? DM me!

Happy Valentine’s Day! Just thought I’d share some silly little love advice 😉
02/14/2023

Happy Valentine’s Day! Just thought I’d share some silly little love advice 😉

The Federal Housing Finance Agency (FHFA) just announced an increase in the Conventional conforming loan limits for 2023...
12/01/2022

The Federal Housing Finance Agency (FHFA) just announced an increase in the Conventional conforming loan limits for 2023!

1-unit $726,200
2-unit $929,850
3-unit $1,123,900
4-unit $1,396,800

Contact me to check what the conforming loan limit values for your county are.

Why does this matter? The increase means a wider group of borrowers qualify for conventional loans backed by Fannie Mae and Freddie Mac. Conventional loans generally have better terms and more flexible qualifying requirements than jumbo loans.

Have more questions?
Contact me today!

Text or call (408) 904-8223
[email protected]

So thankful for all of my friends, family, all of the amazing people I’ve met this year, and clients 🥰
11/24/2022

So thankful for all of my friends, family, all of the amazing people I’ve met this year, and clients 🥰

Did you see a familiar face on the latest edition of the Chicago Viet Bao magazine? 😋
11/19/2022

Did you see a familiar face on the latest edition of the Chicago Viet Bao magazine? 😋

VA loans can help make homeownership possible and as my way of saying thank you, I want to ensure those who have served ...
11/16/2022

VA loans can help make homeownership possible and as my way of saying thank you, I want to ensure those who have served our country have the best information as possible about the benefits of VA home loans.

Contact me for more info!

https://plus.preapp1003.com/Cardinal-Financial
[email protected]
(408) 904-8223

If you’re starting to think about purchasing a home, whether it’s your first time or not, the first person you should ta...
11/07/2022

If you’re starting to think about purchasing a home, whether it’s your first time or not, the first person you should talk to is a mortgage loan officer/originator.

The mortgage process can be daunting. The right person will make you feel at ease and give you the power of knowledge. It can be hard to buy a home without knowing what you can afford and what your options are.

We’re here to guide the process from pre-application to funding.

Contact me today!

Hi friends! I’m happy to announce that I’ve taken on an exciting new role as a Mortgage Loan Officer and Branch Manager ...
11/02/2022

Hi friends!

I’m happy to announce that I’ve taken on an exciting new role as a Mortgage Loan Officer and Branch Manager with Cardinal Financial.

I’ve worn many hats in the mortgage industry over the last 8+ years, starting as a loan processor in college and getting licensed shortly after.

I’m excited to share my expertise and knowledge to get you into the loan program that best meets your goals and needs. Whether it be your first home, dream home, investment home, refinance, etc., I am here to help!

5 fun facts about me:
1. I currently reside in New York City, and have lived in SF Bay Area, Minneapolis, and Chicago.
2. I’m a dog mom to a Yorkie named Lexi
3. I love traveling and try to do at least 2 international trips per year
4. I love trying new hobbies and hope to take up ceramics or dance soon!
5. My favorite mode of transportation in NYC are the Citi Bikes. You’ll rarely catch me riding the train unless absolutely necessary

Contact me today and hope to talk to you soon!

Address

3701 Arco Corporate Drive, Suite 200
Charlotte, NC
28273

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