Michael Holt - Integrity Home Mortgage Corp.

Michael Holt - Integrity Home Mortgage Corp. Michael Holt - NMLS 90525
Mortgage Loan Originator
Integrity Home Mortgage Corp.

NMLS ID #208516
Equal Housing Lender
Company Disclaimer below
https://linktr.ee/mdhncs

The right questions early on can make the homebuying process feel a lot smoother later.Questions about budgeting, loan o...
06/04/2026

The right questions early on can make the homebuying process feel a lot smoother later.

Questions about budgeting, loan options, upfront costs, and timing all play an important role in building a stronger plan from the beginning. Taking time to understand your options early can help you feel more confident and prepared as you move forward.

Every buyer’s journey looks different, and starting the conversation early can help make the process feel a little less overwhelming.

Michael Holt
[email protected]
(252) 367-9041

Buying a home starts before the house search does.Taking time to understand your budget, explore your loan options, and ...
06/02/2026

Buying a home starts before the house search does.

Taking time to understand your budget, explore your loan options, and prepare early can make the process feel much less overwhelming.

From upfront costs to monthly expenses beyond the mortgage, having a clearer picture from the beginning can help you feel more confident as you move forward.

Every buyer’s situation is different, and there is no one-size-fits-all approach to homeownership. Starting the conversation early and understanding your options can help make the experience feel smoother from start to finish.

Michael Holt
[email protected]
(252) 367-9041

Not every investment property fits into a traditional financing model.Our DSCR Loan Program offers financing solutions f...
06/02/2026

Not every investment property fits into a traditional financing model.

Our DSCR Loan Program offers financing solutions for eligible borrowers using property cash flow rather than traditional income or employment verification. Short-term rentals may qualify with AirDNA reports.

Loan amounts up to $3M

Purchase & refinance options

Interest-only options available

Business purpose loans available in select states: AL, CO, FL, GA, LA, MO, NC, NM, OH, OK, PA, SC, TN, TX, VA, and WV.

For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines.

This is not a commitment to lend. Integrity Home Mortgage Corporation serves as a mortgage broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program.

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

Michael Holt
[email protected]
(252) 367-9041

Opening Doors to Homeownership with Our No Ratio Home Loan Program!Not every borrower fits into the traditional mortgage...
05/27/2026

Opening Doors to Homeownership with Our No Ratio Home Loan Program!

Not every borrower fits into the traditional mortgage box — and that is okay.

Our “No Income No Employment” loan program is designed for borrowers who may have strong assets or credit, but limited income documentation or unique financial situations. This program does not use traditional debt-to-income ratios for qualification.

Perfect for:

Self-employed borrowers
Commission or GIG workers
Influencers, artists & vloggers
Online or cash-based business owners
Borrowers with strong credit but higher debt levels

Program highlights include:

Fixed & ARM options available
No personal income or employment verification required
First-time homebuyers welcome
Gift funds allowed
Loan amounts up to $2M for qualified borrowers
Eligible for primary and second homes

Because homeownership should not be one-size-fits-all. Let’s explore solutions that work for your unique financial picture.

Minimum loan requirements may apply. Program not available in DC, MD, PA, or WV.

Integrity Home Mortgage Corporation serves as a mortgage broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this program. For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend.

Michael Holt
[email protected]
(252) 367-9041

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

When buying a home, you may hear different terms related to “mortgage insurance.” While they sound similar, they serve d...
05/26/2026

When buying a home, you may hear different terms related to “mortgage insurance.” While they sound similar, they serve different purposes depending on your loan type. Here is a quick breakdown:

Private Mortgage Insurance (PMI)
Typically required on Conventional loans when putting less than 20% down. PMI protects the lender — not the borrower — but it helps buyers purchase sooner with a lower down payment. The good news? PMI can often be removed once enough equity is built in the home.

FHA Mortgage Insurance Premium (MIP)
FHA loans require mortgage insurance regardless of down payment amount. FHA loans are popular for first-time homebuyers because they offer flexible qualification guidelines and lower down payment options.

VA Funding Fee
VA loans do not require monthly mortgage insurance, which is a huge benefit for eligible Veterans and active-duty service members. Instead, there is typically a one-time VA Funding Fee that may be financed into the loan amount in many cases. Some Veterans may qualify for an exemption.

USDA Guarantee Fee
USDA loans also do not have traditional mortgage insurance, but they do include upfront and annual guarantee fees to help support the program. USDA loans are designed for eligible rural areas and may offer 100% financing.

Homeowners Insurance
This is different from mortgage insurance and is required on all mortgage loans. Homeowners insurance helps protect your property against damage, theft, and certain losses.

Every loan program is different, and understanding the costs upfront can help you choose the best option for your financial goals. Have questions about which loan program may be right for you? Let’s talk!

For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend.

Michael Holt
[email protected]
(252) 367-9041

As we spend time with family and friends this Memorial Day, we also take time to reflect and remember the brave individu...
05/25/2026

As we spend time with family and friends this Memorial Day, we also take time to reflect and remember the brave individuals whose sacrifice will never be forgotten.

Michael Holt
[email protected]
(252) 367-9041

Waiting Could Cost More Than You Think…Many buyers are holding off because they’re waiting for rates to “drop more” — bu...
05/21/2026

Waiting Could Cost More Than You Think…

Many buyers are holding off because they’re waiting for rates to “drop more” — but the reality is that when rates fall, competition often rises.

Getting pre-approved NOW puts you in position to:

Know your budget
Strengthen your offer
Move quickly when the right home appears
Explore programs you may not even know exist

Pre-approval doesn’t lock you into buying today — it simply prepares you for when the time is right.

Your future home could come faster than you think.

Equal Housing Lender.
All mortgage loan applications are subject to underwriting and qualification guidelines.

Michael Holt
[email protected]
(252) 367-9041

Did You Know? The One+ Program Could Help You Buy a Home with Just 1% Down!The One+ Mortgage Program was designed to hel...
05/19/2026

Did You Know? The One+ Program Could Help You Buy a Home with Just 1% Down!

The One+ Mortgage Program was designed to help make homeownership more accessible for qualified buyers. Features include:

Minimum 1% down payment
2% grant available (no repayment required)
Reduced mortgage insurance
Primary residence only
Credit scores starting at 620
Maximum loan amount of $350,000

Plus, borrowers may start with 3% equity thanks to the 2% grant assistance.

Reach out today to see if you qualify and discuss your options!

For informational purposes only. All applicants subject to underwriting and qualification guidelines.

This is not a commitment to lend.

Integrity Home Mortgage Corporation serves as a mortgage loan broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program.

Michael Holt
[email protected]
(252) 367-9041

*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.

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Market Update: Why Buyers Are Starting to Pay Attention AgainEven with today’s market shifts, buyers are finding opportu...
05/18/2026

Market Update: Why Buyers Are Starting to Pay Attention Again

Even with today’s market shifts, buyers are finding opportunities! More homes are hitting the market in many areas, giving buyers more choices and stronger negotiating power than we’ve seen in recent years.

Plus, there are loan programs, seller-paid buydowns, and down payment assistance options that can help make homeownership more affordable.

The key? Having a strategy and the right mortgage team guiding you through your options.

Let’s talk about what today’s market could mean for YOU.

Equal Housing Lender.
All applicants subject to underwriting and qualification guidelines. This is not a commitment to lend.

Michael Holt
[email protected]
(252) 367-9041

Mortgage Trend Alert: What We’re Seeing Right NowRates are holding steady—and buyers are adapting, not waiting.After rec...
05/14/2026

Mortgage Trend Alert: What We’re Seeing Right Now

Rates are holding steady—and buyers are adapting, not waiting.

After recent Fed decisions, mortgage rates have been hovering with only modest movement expected in the near term. So what does that mean for today’s market?

Buyers are adjusting!

Many are moving forward now and planning to refinance later if rates improve.

Flexible financing options are on the rise

Buydowns, ARMs, and seller incentives are helping improve affordability and lower upfront costs.

Affordability is shaping decisions

Buyers are exploring lower down payment options, down payment assistance, and focusing more on monthly payment.

Activity is picking up

We’re seeing more applications, increased buyer activity, and slight improvements in inventory.

Bottom line: The biggest trend right now isn’t just rates—it’s strategy.

Michael Holt
[email protected]
(252) 367-9041

Address

1420-A E Arlington Boulevard Suite A
Greenville, NC
27858

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