Brad Glisson NMLS #2582519

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United States
Fayetteville, NC
Brad Glisson NMLS #2582519

Hi, my name is Brad Glisson. I'm a Mortgage Consultant with Ethos Mortgage Advisors located in and serving North Carolina and beyond.

I offer personalized mortgage solutions, fast customized quotes, great rates & service with integrity. I am a Licensed Mortgage Loan Advisor and Broker
NMLS # 2582519

Mpire Financial Group LLC
NMLS #2108504
Equal Housing Opportunity / Equal Housing Lender

07/23/2026

I work with active duty buyers building their PCS game plan all the time. It's one of the most common conversations I have.

The fear I hear most: "I have orders coming. Can I even use my VA loan right now?"

Almost always, yes. The VA requires you to intend to occupy the home as your primary residence, usually within 60 days of closing. If your spouse will live there while you're stationed elsewhere or deployed, that satisfies it. Once that window is met, a future PCS doesn't undo anything.

The rule itself is simple enough. What actually matters is building the plan around it, mapping your closing date, your occupancy window, and your move date together so nothing gets rushed.

If you just got orders, or you're not even sure yet what your timeline looks like, let's talk. I'll build your PCS game plan with you, whether that's closing in the next 30 days or planning six months out.

07/22/2026

If you're a veteran or active duty and just started looking at homes, you've probably heard the term COE and had no idea what it meant.

Certificate of Eligibility. It's the document that proves to a lender you qualify for a VA loan.

Here's what actually happens most of the time. Your lender pulls it for you electronically in a few minutes. You don't need to dig through old paperwork or make a phone call to the VA yourself.

If you're a veteran, your DD214 usually confirms your service history behind the scenes. If you're active duty, a simple statement of service does the same job.

The number listed on your COE is not "how much house you can buy." It's your entitlement, the amount the VA guarantees your lender if something goes wrong. Your lender uses that number along with your income and credit to figure out your actual buying power.

If your lender is asking you to track down your own COE and hand-deliver documents, that's usually a sign they don't do this often. It shouldn't be a scavenger hunt.

Documentation requirements can vary based on your specific service history. My team can confirm exactly what's needed for your COE.

07/10/2026

The VA funding fee trips up almost every first-time VA buyer. Here is what it actually is.

It is not a fee paid to your lender. It is a one-time fee paid directly to the Department of Veterans Affairs to keep the program funded for future veterans. That distinction matters because a lot of buyers hear "fee" and assume someone is profiting from it.

Nobody is. It goes back into the program.

Here is the part most people do not know until closing day.

In most cases the funding fee gets rolled directly into the loan balance. You are not writing a check for it at the table. It gets financed just like the rest of the loan. Depending on your down payment and whether it is your first time using the benefit, the fee typically ranges from 1.25% to 3.3% of the loan amount.

This is the call I wish every veteran got before they closed their last loan.

If you have a service-connected disability rating, you may be completely exempt from the funding fee. That exemption can save you thousands of dollars and it does not happen automatically. You have to make sure your lender knows your status before closing.

The VA loan is one of the most powerful financing tools available to anyone in this country. Zero down payment. No monthly mortgage insurance. Competitive rates. The funding fee is a small trade-off for a benefit most loan programs cannot come close to matching.

If you have served and you are not sure whether you qualify or what your funding fee would look like, that is exactly what the first conversation is for.

07/09/2026

The clear to close came in at 9am. The buyer found out at 4pm. The agent found out the next morning.

Nobody called.

The mortgage process involves more moving parts than most people realize. On any given loan file there is a loan officer, a loan partner, a processor, an underwriter, a bank closer, a title company, a closing attorney, an insurance agent, and an appraiser. Every one of those parties has a role that affects your timeline and your closing date. None of them automatically talk to each other. That coordination falls entirely on your loan officer.

This is what separates a good experience from a nightmare.

I have talked to a lot of real estate agents who have been burned by lenders that go quiet after the contract is signed. The agent does not know what is happening. The buyer does not know what is happening. Everyone guesses until something goes wrong. By that point the damage is already done to the timeline, the relationship, or both.

That is not how I run my files.

Here is what consistent communication looks like on every loan I work:

Every party receives weekly milestone updates so nobody wonders where things stand. Buyers receive video breakdowns of key documents including the Loan Estimate and Closing Disclosure because most people have never seen these before. I use automations and tools that keep every task moving on a documented timeline. When a condition comes back from underwriting, everyone who needs to know hears about it the same day.

Most of the stress in a mortgage transaction is not caused by the process itself. It is caused by silence. My job is to eliminate that silence at every step.

If you are a Realtor who has been burned by poor lender communication, or a buyer who has felt lost mid-transaction, I want to have that conversation.

07/08/2026

Here is something most lenders will not tell you: every bank and lender has access to the same rates. The rate itself is not the secret. What is different is how much that rate costs you, or how much credit you receive for taking it.

Let me explain what that actually means.

When you see a rate, there is always a cost attached to it. You can pay points upfront to buy the rate down to a lower number. You can also take a slightly higher rate and receive a lender credit that offsets your closing costs. The rate is not free. It is a trade-off between what you pay today and what you pay monthly.

This is where working with a mortgage broker changes the game. Instead of being limited to one bank's pricing, a broker shops across multiple lenders to find the best cost structure for whatever rate you are targeting. Same rate, potentially thousands less in fees.

Now here is the piece that matters most in your actual life after closing.

Your monthly payment.

You can talk about rates all day, but the number you live with every single month is the payment. That is the number that affects your budget, your cash flow, and your financial flexibility. A rate is a percentage on paper. Your payment is real money leaving your account every 30 days.

So yes, the rate is important. But what we are really solving for is the monthly payment you are comfortable with and the most cost-effective way to get there.
That is the conversation I want to have with you first.

07/07/2026

Your debt-to-income ratio is the number that actually controls what you qualify for. Most buyers do not know it exists until they are already in the process.

Here is what lenders add up:

New estimated mortgage payment (this is the big one most people miss)
-Car payments
-Credit card minimums
-Student loans and other installment debt

They divide that total by your gross monthly income before taxes. Most programs want that number at or below 45%.

The part that surprises people: the new mortgage payment itself counts against you. Not just your existing bills.

Knowing your DTI before you start shopping changes everything. A good mortgage advisor runs different scenarios with you so you can see exactly what moves the needle.

📲 Link in bio to book a free mortgage strategy call.

Numbers shown are for educational purposes only and based on general program guidelines. Your actual qualification depends on your full financial picture. Speak with a licensed mortgage professional before making any decisions.

07/06/2026

Not all pre-approval letters are the same.

Some lenders hand them out after a five-minute phone call and a soft credit pull. No documents reviewed. No income verified. Just a number that feels good.

Then you go under contract and the real process starts. That is when it falls apart.

A real pre-approval means someone actually looked at your pay stubs, your bank statements, and your credit before you started shopping. Ask your lender what they actually reviewed before they sent the letter.

06/27/2026

Most people think a mortgage payment is just one number.

It’s not.

It’s actually several different costs bundled into one monthly payment.

Understanding what makes up that payment can help you shop smarter and avoid surprises.

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1. 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 & 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 (𝗣&𝗜)

This is the actual loan payment.

• Principal pays down the amount you borrowed.
• Interest is the cost of borrowing the money.

As you make payments, more of your money gradually goes toward principal and less toward interest.

⸻

𝟮. 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗮𝘅𝗲𝘀

These aren’t paid to your lender.

Your lender simply collects them each month (if escrowed) and pays your local taxing authority on your behalf.

Taxes can vary significantly from one property to another, even within the same city.

⸻

𝟯. 𝗛𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲

This protects your home from covered losses like fire, storms, theft, and certain types of damage.

Your lender requires it because the home is collateral for the loan.

You should want it because it’s protecting one of your biggest investments.

⸻

𝟰. 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲

This is one of the biggest misconceptions in home buying.

Not every loan has mortgage insurance.

Whether it’s required depends on the loan program and your down payment.

For many buyers, mortgage insurance isn’t something to fear.

In many cases, it allows you to buy a home sooner instead of waiting years to save a larger down payment.

⸻

5. 𝗛𝗢𝗔 𝗗𝘂𝗲𝘀

Not every home has them.

But if you’re buying in a neighborhood with a homeowners association, these dues should be factored into your monthly housing budget.

⸻

💡 What to remember:

Two homes with the exact same purchase price can have very different monthly payments.

Property taxes.

Insurance.

HOA dues.

Mortgage insurance (when applicable).

All of these affect what you’ll actually pay every month.

That’s why I don’t start by asking my clients:

“What’s your maximum purchase price?”

I start with:

“What monthly payment feels comfortable for your budget and your long-term goals?”

The goal isn’t to qualify for the biggest loan.

The goal is to buy a home you can comfortably enjoy for years to come.

01/27/2026

Here’s what I wish more people knew before they ever talked to a mortgage loan officer.

I average about ten loan consultations every single week.

And almost everyone comes in thinking the process is way more complicated than it actually is.

The first thing to understand is the difference between prequalification and preapproval.

Prequalification is a quick estimate based on what you tell us.

Preapproval is when we actually verify your income assets and credit so you can confidently shop for a home.

Next is what I call the three pillars of lending.

Number one is your debt to income ratio which is simply how much monthly debt you have compared to your income.

Number two is funds to close which includes your down payment and closing costs.

And number three is your credit profile which affects both your approval and your interest rate.

Then we talk about the timeline.

From getting preapproved to shopping for homes making an offer going under contract and finally closing.

Nothing about this should feel rushed or confusing if it’s explained the right way.

Your loan officer should be walking you through every step so there are no surprises.

If you’re thinking about buying a home soon this is the stuff you should understand before you even start looking.

Address

5085 Morganton Road STE 200 A, Room O
Fayetteville, NC
28314

Website

http://nmlsconsumeraccess.org/, http://mpirefi.com/, http://www.mlobrad.com/

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