Clinton Starkie, Loan Officer - Empower Home Mortgage

04/07/2025

Building your dream home is an exciting venture, and lot loan financing provides a viable solution for purchasing land and eventually constructing your ideal living space.

Program Highlights:

Purpose Primarily for purchasing land without immediate plans for construction.

Down Payment Contribution of at least 10% of the property's purchase price as a down payment.

Maximum Loan to Value The loan-to-value ratio (LTV) of up to 90%

Land Requirements Unimproved land 10 acres or less

Loan Amount Maximum loan amount of $250,000

Minimum loan amount of $10,000

Loan Term Maximum loan terms 84 months, and 120 Months

Minimum loan terms 36 months - 3 years

Are you prepared to purchase the land you've always dreamed of? Contact us today, and let's begin the journey!

Clinton Starkie
[email protected]
(540) 250-2134

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

04/04/2025

Mortgage rates improved during the week ending April 4, 2025, due to traders' concerns about the economic impacts of tariffs. Warrenton Branch is an Equal Housing Lender.

Markets in a Minute

04/03/2025

A buydown reduces the monthly payment in the early years of the mortgage making it more affordable for the buyer/borrower at onset.

A lower monthly mortgage payment means that more prospective buyers will qualify to buy your home.

By offering a seller paid buydown, you may be more likely to receive full price offers on your home.

Here is how it works:
The seller agrees to buydown the borrower's monthly payment for a specific period of time (i.e. 1 year) by making a lump sum payment at closing.

This lump sum payment is applied to the buyer's/borrower's mortgage payments so that the buyer/ borrower pays less each month for a specific period of time (i.e. 1 year).

After that period, the monthly mortgage payments are calculated using the note rate for the remainder of the term.

Ready to say "SOLD!"? Encourage your potential buyer to get in touch to determine if they are eligible for this opportunity!

Clinton Starkie
[email protected]
(540) 250-2134

04/01/2025

Closing on time is a standard practice at Integrity, but now there’s an additional guarantee!

If we do not meet the closing date specified on the buyers ratified contract, we promise to compensate the buyer AND seller $1,000.

Let us help you get to the closing table on time!

On-Time Closing Guarantee - Terms and Conditions: https://ihmcloans.com/integrity-promise/

Clinton Starkie
[email protected]
(540) 250-2134

03/31/2025

Community Lending Program Highlights:

■ Primary Residence

■ Conventional Only including HomeReady® and HomePossible®

■ Purchase and No Cash Out Refinance
● Loan Amount

03/28/2025

Rates crept up during the week ending March 28, 2025, as markets reacted to tariff concerns. Warrenton Branch is an Equal Housing Lender.

Markets in a Minute

03/27/2025

March Madness is wrapping up, but the homebuying game is just heating up! Get pre-approved now and be ready to score your dream home before the buzzer!

Reach out to get started, let's get you pre-approved and ready to win in this market!

Clinton Starkie
[email protected]
(540) 250-2134

03/25/2025

Are you having difficulty saving for a down payment? In addition to our low to no downpayment options, don’t forget we also have state specific down payment assistant programs!

Maryland:
MMP Homestart
MMP 1st Time Advantage 5% DPA

North Carolina:
Home Advantage Mortgage
NC 1st Home Advantage Down Payment

Pennsylvania:
Keystone Advantage
K-FIT (Keystone Forgivable in Ten Years)
HOMEstead

South Carolina:
Palmetto Home Advantage
Families with Disabilities Initiative
Homebuyer Program $10,000 DPA
County First $10,000 DPA

Texas:
Mortgage Credit Certificate
Texas State Affordable Housing Corporation

Virginia:
VHDA Hampton Road
VHDA SPARC
VHDA Downpayment Assistance

West Virginia:
Low Down Home Loan
HOMEownership Loan

If you reside in one of these areas and are interested in finding out if you qualify for down payment assistance, please contact your local Integrity Home Mortgage Corporation Lender. We’re here to help you kickstart the process!

Clinton Starkie
[email protected]
(540) 250-2134

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

03/24/2025

With Day 1 Certainty your loan may close faster!

IHMC uses Day 1 Certainty to prequalify our borrowers faster and with less documentation. This uses automation to collect your employment, income, and asset documentation rather than submitting your info manually.

This helps us prequalify and close our loans quickly and efficiently.

Lets get you to the closing table in record time.

**Not all borrowers will qualify for Day 1 Certainty. Conventional Loans Only**

**Available for conventional loans only.**

Clinton Starkie
[email protected]
(540) 250-2134

03/21/2025

Mortgage rates were unchanged during the week ending March 21, 2025, despite weaker economic data and the Fed meeting. Warrenton Branch is an Equal Housing Lender.

Markets in a Minute

03/20/2025

Spring has arrived, bringing longer days and a chance to refresh your home.

To tackle spring cleaning effectively, start by decluttering—remove items not used in a year, and consider donating them.

Don’t forget to clean hidden areas like light switches and ceiling fans.

Make the process enjoyable by playing music and treating yourself afterward.

For more tips, click the link below!
https://www.marthastewart.com/267295/spring-cleaning-checklist

Clinton Starkie
[email protected]
(540) 250-2134