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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

The Barbee Team/Highlands Residential Mortgage, Ltd

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United States
Charlotte, NC
The Barbee Team/Highlands Residential Mortgage, Ltd

Highlands was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. NMLS 645363 NMLS 134871 Equal Housing Lender.

A group of like-minded seasoned veterans came together to create a company with an employee-focused culture.

11/02/2026

Did you know that when you find a home you love, you can send me the listing and I’ll give you a real estimate of the monthly payment, including taxes, insurance, and any HOA dues?

That way you’ll know which homes fit your budget before you ever schedule a showing.

Daydreaming is a lot more exciting when you know it could actually happen.

Send me your top listing this week and let’s see what it would take to make it yours. 🏡

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/31/2026

These three myths keep a lot of would-be buyers on the sidelines longer than they need to be. ⚰️

Getting pre-approved simply shows you where you stand. It doesn’t lock you into buying, and many buyers get pre-approved months before they start shopping.

Credit requirements vary by loan program, and many options are designed for a wide range of credit profiles.

And depending on the program and your eligibility, some loans allow as little as 3% down, with certain programs offering 0% down.

Down payment assistance can help even more.

Every situation is different, so the best way to know what’s possible is to look at your numbers.

Send me a message and let’s find out where you stand.

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/28/2026

Here’s what I help my buyers plan for beyond the down payment. 💡

🏡 Earnest money, usually due shortly after your offer is accepted and often credited back toward your costs at closing
🔍 Inspection and appraisal fees, typically paid before you close
📄 Closing costs, which often run a few percent of the purchase price
🗓️ Prepaid taxes and insurance to set up your escrow account
📦 Moving, utility deposits, and a cushion for the surprises every new home brings

Some of these can be reduced with seller credits or assistance programs, so knowing the full number early gives you more room to negotiate and plan.

Send me a message and let’s put real numbers to your budget.

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/27/2026

I love seeing my clients make smart money moves. 🙌

If you're getting ready to buy a home, though, send me a quick text before you make any big credit changes.

Opening a new card, financing furniture, cosigning a loan, or even closing an old account can shift your available credit, account history, and overall credit profile.

Some of those changes can affect your score at exactly the wrong time.

None of this means you can’t make these moves. It just means a quick text to me first can save you a big headache later. I’m always happy to talk through timing.

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/25/2026

Www.kevinbarbeehomeloans.com

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/23/2026

Here’s what you should know about that “free month” after closing→

Mortgage interest is paid in arrears, which means each payment covers the month before it.

When you close mid-month, you prepay the interest for the rest of that month as part of your closing costs, and your first regular payment then covers the following month’s interest.

So if you close October 15, your first regular payment would commonly be due December 1.

So though calling it a “free month” isn't quite accurate, being strategic with the timing is a smart way that new homeowners can win some much-appreciated breathing room to put towards moving costs and getting settled.

It's a small detail, but understanding details like this makes budgeting around your move a whole lot easier.

Follow for more smart homebuying tips, and send me a message if you’d like to see what your closing timeline and first payment could look like.👇

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/22/2026

I hear these all the time, and none of them automatically rule you out. 👻

Lenders look at the full picture.

With student loans, what matters most is your monthly payment and how it fits into your overall debt-to-income ratio.

Being self-employed usually means a little extra documentation, like tax returns, but there are loan options built for business owners.

And if your credit needs work or your down payment is smaller than you’d hoped, there are programs and plans to help with both.

Plenty of my clients started with one (or more) of these worries and are now holding keys to their own place.

If one of these sounds like you, send me a message. Let’s take the scary out of it together. 🏡

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/21/2026

I've talked to plenty of buyers who started the conversation with: “I know I'm probably not ready yet, but…”

When you wait to talk to a lender, you can miss out on options you didn't know existed, like down payment assistance programs, loan types with lower down payment requirements, or a simple plan to get your credit where it needs to be.

Talking to me doesn't commit you to anything. It just gives you a clear picture of where you stand today and what your next step could look like, whether you're ready in three months or three years.

Send me a message and let's look at your numbers together. You might be surprised how close you are.

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

10/20/2026

Regret usually comes from surprises, and surprises usually come from not having enough time to ask questions. 👻

That’s why I walk my buyers through every step before it happens. We’ll review your Loan Estimate line by line, compare your options side by side, and go over your Closing Disclosure before closing day so nothing on it is new to you.

If something doesn’t make sense, we’ll talk it through until it does. No question is too small, and you’ll never get a rushed answer from me.

Thinking about buying? Send me a message and let’s make sure the only thing you feel after closing is excited. 🗝️

Highlands Residential Mortgage NMLS 134871
10851 Sikes Place, Suite 150 Charlotte NC 28277
WWW.NMLSCONSUMERACCESS.ORG

Address

10851 Sikes Place Suite 150
Charlotte, NC
28277

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://www.kevinbarbeehomeloans.com/, https://www.highlandsmortgage.com/licenses/, http://www.nmlsconsumeraccess.org/

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