The Roseberry Team - Your Mortgage Advisors

The Roseberry Team - Your Mortgage Advisors William Roseberry, Branch Manager NMLS # 68916 We look forward to putting our mortgage service to work for you!

Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. At Novus Home Mortgage, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan with great rates, terms and costs to meet your specific needs. Financi

ng a home is one of the biggest investments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. Equal Housing Lender
Novus Home Mortgage, a division of Ixonia Bank
NMLS 423065

03/04/2026
Buy the potential. Finance the transformation. 🔨🏡Some of the best opportunities are homes with solid structure, a great ...
02/25/2026

Buy the potential. Finance the transformation. 🔨🏡

Some of the best opportunities are homes with solid structure, a great layout, and room to build equity. With renovation financing, buyers can purchase a home and roll improvement costs into one mortgage. That means you can focus on location and long term value instead of cosmetic finishes. 📈

2212 J B Denton Rd is a great example of what’s possible.

Open House
This Sunday, March 1
1 to 3 PM 📍

View the listing here
https://envisionphotography.hd.pics/2212-J-B-Denton-Rd

If you’ve ever passed on a home because it needed updates, it may be time to rethink the strategy. Let’s talk about your options.

Most people start with rates.I start with strategy.Real estate is one of the most powerful tools for building long term ...
02/23/2026

Most people start with rates.
I start with strategy.

Real estate is one of the most powerful tools for building long term wealth, but only when it is structured correctly.

Whether you are buying your first home, refinancing, or expanding an investment portfolio, the right financing approach matters.

If you are thinking about your next move, let’s talk through the plan first.

Save this for when you are ready to have the conversation.

What if the perfect home already exists, it just needs a little vision? 🏡✨With renovation loan options, you don’t have t...
02/10/2026

What if the perfect home already exists, it just needs a little vision? 🏡✨

With renovation loan options, you don’t have to choose between location and condition. You can buy a home and finance the renovations all in one loan, turning “almost perfect” into exactly what you want.

From unfinished basements to backyard transformations and everything in between, renovation loans can help you:

✔ Purchase a home that needs updates
✔ Roll renovation costs into your mortgage
✔ Build equity while customizing your space

These before and after examples show what’s possible when you look beyond what a home is and focus on what it could be.

If you’ve ever skipped a home because it needed work, this might change the way you search.

Let’s talk about your options.

11/27/2025

From my family to yours, Happy Thanksgiving! 🦃

🏡 Government Shutdown Ends: What It Means for Mortgage Rates 📉The government shutdown is officially over, which means ke...
11/14/2025

🏡 Government Shutdown Ends: What It Means for Mortgage Rates 📉

The government shutdown is officially over, which means key economic data is finally returning after more than a month of silence.

Before the shutdown on October 1, reports showed steady inflation and a cooling job market. Because of this, the Federal Reserve cut interest rates by 0.25% in both September and October. Those cuts helped push the 10-year Treasury from 4.4% to 3.9%, which also lowered mortgage rates.

During the shutdown, reports stopped, and with no data, the Fed reminded markets that “no data means no guarantees.” As a result, interest rates drifted roughly 0.25% higher.

Now that the government is open again, attention turns to the delayed September and October reports. If they show inflation is still contained and the labor market continues to cool — especially with more jobs being replaced by AI-driven automation — the Fed could move forward with another rate cut in December, potentially pushing mortgage rates lower again.

Bottom line: The long-term trend continues to favor gradually lower interest rates into the end of the year.

Thinking about buying or refinancing? I’m here to help you navigate the market. 📩🔑

“This was like ordering a pizza! Very smooth and easy.” 🍕That’s the kind of feedback we love to hear! Our goal is to mak...
10/27/2025

“This was like ordering a pizza! Very smooth and easy.” 🍕

That’s the kind of feedback we love to hear! Our goal is to make the mortgage process simple, stress-free, and even enjoyable. 🏡✨

Ready for a home loan experience that’s just as smooth? Let’s get started!

The Real Cost of Waiting🏡 Everyone’s waiting for rates to drop… but here’s the catch 👇🏼Let’s say you’re eyeing a $600,00...
10/16/2025

The Real Cost of Waiting

🏡 Everyone’s waiting for rates to drop… but here’s the catch 👇🏼

Let’s say you’re eyeing a $600,000 home.

➡️ Wait a year for rates to fall from 6.25% → 5.25%, and you might save about $300/month.

💸 But homes in the Carolinas are still appreciating 3–5% a year.
That same home could cost you $18,000+ more if you wait.

So instead of waiting and paying more later, you could buy now, start building equity, and refinance when rates drop.

🏠 Buy the house. Refinance the rate.
Because waiting could cost you more than you think.

Some clients make money in a "non-traditional” way.Join this expert-led realtor session to learn how Alternative Income ...
04/07/2025

Some clients make money in a "non-traditional” way.
Join this expert-led realtor session to learn how Alternative Income Loans—like bank statement and 1099 options—can help you get more buyers under contract!
Tomorrow, April 8th at 2pm EST. Register in advance: https://bit.ly/421jevr

Some clients make money, just not the “traditional” way.

Join this expert-led realtor session to learn how Alternative Income Loans—like bank statement and 1099 options—can help you get more approvals without the back-and-forth.

Tomorrow, April 8th at 2pm EST. Register in advance: https://bit.ly/421jevr

Quick, practical, and built for the real world.

Thinking about buying a home?   Your credit scores don't have to be perfect.   Give me a call and I'll be happy to go ov...
01/14/2025

Thinking about buying a home? Your credit scores don't have to be perfect. Give me a call and I'll be happy to go over any questions you have.

Your credit score plays a big role in the homebuying process.

For buyers and sellers, this means lower mortgage rates could create the perfect opportunity to make a move. If you’ve b...
09/18/2024

For buyers and sellers, this means lower mortgage rates could create the perfect opportunity to make a move. If you’ve been thinking about buying or selling a home, give me a call today. I will help you craft a game plan that aligns with your financial goals.

Address

845 Church Street North, Suite 310
Concord, NC
28025

Opening Hours

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

Telephone

+17046226896

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