The Chris Bushnell Team at Mpire Financial

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The Chris Bushnell Team at Mpire Financial

I'm your guide for moving to Charlotte

Chris Bushnel | Mpire Financial NMLS #2058327/2108504

Equal Housing Lender

16/10/2025

Most people don’t realize…

You have to get approved three times to get a mortgage.

Yea, 3.

Approval #1: Your loan officer says yes.

This is your pre-approval. If you're working with someone good (like me), this means everything. If you’re working with someone inexperienced, it means nothing.

Approval #2: The bank underwriter.

After you're under contract, they re-check EVERYTHING. They decide if the loan can move forward, not your loan officer.

Approval #3: Final clear-to-close.

After the appraisal, title, and all final documents are in, the underwriter signs off one last time.

Then… you get the keys.

I know it sounds like a lot, but that’s why I walk you through every step.

If you want a full roadmap of how to get a mortgage in Charlotte, North Carolina and beyond, drop a comment and I’ll DM you a guide.

16/09/2025

I'm Hiring!

18/08/2025

**Don’t fall in love with a house you can’t buy.**

I’ve seen it too many times: buyers tour the perfect home… only to realize they can’t afford it, or lose it while gathering documents they should’ve had weeks ago.

Your credit score and job history *matter* — but they’re not enough.

You need a plan.

You need real numbers.

You need to be ready.

**Talk to a lender *first*.**

It’s the most important step before you ever step into a showing.

If you’re not sure where to start, I’m here to walk you through it.

DM me and let’s get you ready the right way.

Chris Bushnell | Mpire Financial NMLS #2058327/2108504
Equal Housing Lender
This advertisement is not a commitment to lend. Terms and conditions apply.

15/08/2025

Mortgage rates just dropped to their lowest level of 2025 — currently averaging 6.58%, according to Freddie Mac.

That’s good news for buyers… for now.

Why? Because when rates drop, more buyers jump into the market. That creates competition — and competition pushes prices up.

Right now, buyers have leverage. You can still negotiate on price, ask for seller-paid closing costs, and explore rate buydown strategies. But as rates keep trending down, that window could close fast.

**The takeaway:**

You don’t need to rush, but don’t wait for “perfect.” Sometimes, the best time to move is before everyone else does.

Chris Bushnell | Mpire Financial NMLS #2058327/2108504
Equal Housing Lender
This advertisement is not a commitment to lend. Terms and conditions apply.

14/08/2025

Charlotte’s suburban housing market is heating up in a big way. In the next year, over 1,000 single-family homes and more than 200 townhomes are planned for communities surrounding the city.

Why it matters: Charlotte’s rapid population growth has pushed home prices higher in the city center, making nearby towns an attractive alternative for buyers seeking more affordability without sacrificing access to jobs, shopping, and entertainment.

Here’s a closer look at the projects:

• **Shelby, NC** – Taylor Morrison is building 136 single-family homes starting in the low $300Ks, appealing to first-time buyers and those looking for more space.

• **Locust, NC** – 86 new townhomes are coming to this quiet but well-connected community east of Charlotte.

• **York, SC** – M/I Homes is developing 144 townhomes and 126 single-family homes, bringing new options just across the state line.

• **Wingate, NC** – 68 single-family homes and 49 townhomes starting under $300K—rare pricing in today’s market.

• **Waxhaw, NC** – Pulte Homes’ 213-home project offers walkability and suburban charm.

• **Fort Mill, SC** – Tri Pointe Homes is investing heavily with 12 new townhome communities.

• **Huntersville, NC** – Toll Brothers is adding 357 luxury homes, targeting higher-end buyers.

For buyers, this surge means more choices, competitive pricing in certain areas, and the chance to get into growing neighborhoods before demand drives prices higher.

If you want a breakdown of which developments fit your budget, lifestyle, and goals, send me a DM and I’ll connect you with a local agent who knows these markets inside and out.

Chris Bushnell | Mpire Financial NMLS #2058327/2108504
Equal Housing Lender
This advertisement is not a commitment to lend. Terms and conditions apply.

13/08/2025

For the first time in years, buyers have the upper hand.

According to new data from Cotality, **56% of homes sold below asking price in May** — a clear sign the market is shifting.

We’re not in a bidding war environment anymore.

We’re in a market where **smart buyers can negotiate**.

✅ Ask for price reductions

✅ Get closing cost assistance

✅ Explore rate buydowns from sellers

If you're pre-approved and ready, you now have more room to move — and more leverage than we’ve seen since before 2020.

But here's the key: You need to know how to use it.

A great loan officer + a strong Realtor = your negotiating team.

Chris Bushnell | Mpire Financial NMLS #2058327/2108504

Equal Housing Lender

This advertisement is not a commitment to lend. Terms and conditions apply.

04/08/2025

Calling all real estate agents

You don’t need to work harder. You need better systems.

This Wednesday, I’m hosting a live sales masterclass to help real estate agents in Charlotte, NC:

Convert more leads (without chasing)
Earn more referrals from past clients and sphere
And get more time (and sanity) back in your day

If you're serious about growing your business with structure instead of stress, this is for you.

Register using the link in the comments

09/01/2025

Realtor of the week!

is a 6 year real estate veteran and is a pro at helping first time home buyers, first time investors, and home sellers. He’s got 3 active listings with 2 that just hit the market this week! Check out his page for details!

06/01/2025

Guys, I have been given such an honor!

In 2020: I started my loan officer career when the market was as hot as ever.

Remember those 2% rates?

I started as a call center rep at one of the largest U.S. banks, taking calls from families buying homes and learning mortgage guidelines.

In 2022, I took a leap of faith to become a 100% word-of-mouth mortgage broker.

Without the big bank brand, I had to build my own.

I had no idea what I was doing, but God had my back.

The day before I started originating loans, I had my first coaching call with two $100M producers, Amir and Justin.

Now, for nearly 3 years, Amir, Justin, and Alex have taught me everything I know about being an amazing loan officer.

They taught me how to build and manage:

- The perfect client experience
- Strategic partnerships
- My personal brand
- How to win in any market.

They helped me through a time when I saw 60% of my colleagues leave the industry. Everywhere I looked, a loan officer was quitting. Meanwhile, I was:

✅ Building a massive network
✅ Working with many of the top Realtors in Charlotte
✅ Creating my reputation as one of the best loan officers in North Carolina.

But now I’ve reached a new level - Amir recently invited me to become an official GO! Ambassador to share the lessons I’ve learned from the GO! Community.

I’ve watched this community grow from 1 student (me) to over 600 of the best loan officers in the U.S., learning and growing together.

This is my official endorsement of GO! Coaching:

If you’re a loan officer who wants to grow your business—no matter the rates, inventory, or demand - this is the place for you

10/09/2024

Calling all Charlotte Realtors!

Are you ready to elevate your follow-up game?

Join Debbie Tolbert and me for an exclusive Broker’s Open and Follow-Up Mastermind this Friday from 1 PM to 3 PM at 8700 Trevor Ct, Harrisburg, NC 28075.

Tour a stunning home while enjoying drinks and hors d’oeuvres, and take part in a high-impact mastermind session with some of Charlotte’s top real estate professionals. We’ll dive into creative and effective strategies to keep your clients and prospects engaged—so no lead ever slips away!

Don’t miss this opportunity to boost your business.

RSVP Below

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http://chrisbushnell.com/

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