Kent Laraway - Topflight Mortgage, LLC

Kent Laraway - Topflight Mortgage, LLC Residential and commercial Mortgage company. TOPFLIGHT MORTGAGE NMLS # 202568
ROBERT KENT LARAWAY NMLS # 181688

www.NMLSConsumerAccess.org

One practical step can save a lot of stress later: add the roof to your inspection walkthrough and ask where water would...
08/09/2026

One practical step can save a lot of stress later: add the roof to your inspection walkthrough and ask where water would enter first. If the home has an older roof, a contractor note on remaining life and past patchwork is more useful than a quick visual glance from the ground.

Can the loan type matter as much as the property itself? For some borrowers, FHA, VA, or conventional options can affect...
08/08/2026

Can the loan type matter as much as the property itself? For some borrowers, FHA, VA, or conventional options can affect how much equity is needed, what documentation is required, and whether mortgage insurance stays in the picture. A common slip is assuming every refinance follows the same checklist. Walk through the steps. https://bit.ly/4fNqtgl

A common mistake is waiting until the last minute to gather gift funds, 1099s, or a missing W-2. Underwriting can pause ...
08/07/2026

A common mistake is waiting until the last minute to gather gift funds, 1099s, or a missing W-2. Underwriting can pause if a deposit cannot be explained or a tax return does not match the file, so the safer move is to collect those documents before you shop seriously.

If saving cash has been the blocker, look at the whole file, not just the entry point. FHA is often considered by buyers...
08/06/2026

If saving cash has been the blocker, look at the whole file, not just the entry point. FHA is often considered by buyers who have steady income but limited reserves, and the lender will still check debt, employment history, and the source of any gift funds. That means the gift-letter paperwork matters before underwriting starts. Compare this to your situation. https://bit.ly/4fNeVtp

If a seller is missing paperwork, the listing can stall even when the home looks great online. A practical checklist sta...
08/05/2026

If a seller is missing paperwork, the listing can stall even when the home looks great online. A practical checklist starts with permits, appliance warranties, and a quick room-by-room repair list so nothing important gets discovered late. For a buyer, that means fewer surprises after the tour. Compare this to your situation. https://bit.ly/4yPvQnA

For veterans, VA financing can be worth checking before assuming a conventional loan is the default. The key detail is n...
08/04/2026

For veterans, VA financing can be worth checking before assuming a conventional loan is the default. The key detail is not just eligibility, but whether the borrower has enough cash for closing and how the rest of the file looks, including income documentation and any past housing obligations. A quick side-by-side review can prevent choosing a program that fits poorly on paper.

When income is straightforward, the hard part is usually the file, not the house search. Pull together a simple checklis...
08/03/2026

When income is straightforward, the hard part is usually the file, not the house search. Pull together a simple checklist first: ID, recent pay stubs, W-2s or 1099s, bank statements, and a list of debts. If gift money is part of the plan, get the gift-letter paperwork ready before the loan file goes to underwriting.

For first-time buyers comparing loan types, the real difference is not just down payment rules; it is what the loan lets...
08/02/2026

For first-time buyers comparing loan types, the real difference is not just down payment rules; it is what the loan lets you buy. FHA 203k can fit a starter home that needs fixes, while standard FHA is better suited to a property that is already livable. If the house needs paint, flooring, or a broken system replaced, get the repair estimate before you make an offer. Compare this to your situation. https://bit.ly/3RLt0PQ

Can a first-time buyer use a mortgage and still make the place feel personal? Yes, but the real advantage is structure: ...
08/01/2026

Can a first-time buyer use a mortgage and still make the place feel personal? Yes, but the real advantage is structure: fixed payments make budgeting more predictable, and loans like FHA can help when the down payment is limited or the credit profile is still building. The key is matching the loan type to the file, not the other way around.

A privacy fence can matter more for a corner lot, a pool, or pets that need a contained yard. Before you assume the exte...
07/31/2026

A privacy fence can matter more for a corner lot, a pool, or pets that need a contained yard. Before you assume the exterior choice is only about style, check whether the property line, HOA rules, or local setback rules affect what can be built or kept after closing.

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6417 Distant Melody Place
Columbia, MD
21044

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