Stephanie Gates - NMLS 317717 - Top Flite Home Loans

Stephanie Gates - NMLS 317717 - Top Flite Home Loans Company NMLS # 4181
Branch NMLS # 2643639
www.nmlsconsumeraccess.org
Equal Housing Opportunity
(1)

Experience The Top Flite Difference
For over 20 years, we’ve dedicated ourselves to improving lending opportunities for mortgage professionals nationwide. We aim to offer enhanced benefits, increased opportunities, and greater flexibility to help you succeed. Whether you’re an experienced mortgage professional seeking to grow your business or someone new to the industry, our exceptional network is

here to support you. When you choose us, you can rely on us to be a dependable and trustworthy partner for your business. We provide a solid and reliable home where you can build a trusted home for your business.

The average person will spend about one-third of their life at home. That’s a big reason why home means so much. It’s wh...
09/01/2026

The average person will spend about one-third of their life at home. That’s a big reason why home means so much. It’s where life happens, memories are made, and everyday moments turn into the ones we remember most.

Buying a home involves more than finding the right property. A little preparation can help you feel more confident befor...
08/27/2026

Buying a home involves more than finding the right property. A little preparation can help you feel more confident before you begin.

Here are four quick tips I share with my clients:
Start with a pre-approval
Plan for expenses beyond the down payment
Avoid major financial changes during the process
Schedule a professional home inspection

Every buyer’s financial picture is different. I’m here to answer your questions, review your options, and help you create a plan for your next move.

Send me a message when you are ready to get started.

Nothing says home quite like a happy dog waiting at the door. Happy National Dog Day to all the four-legged family membe...
08/26/2026

Nothing says home quite like a happy dog waiting at the door. Happy National Dog Day to all the four-legged family members out there.

Not every potential buyer earns income through a traditional salary and W-2.Self-employed borrowers, business owners, re...
08/25/2026

Not every potential buyer earns income through a traditional salary and W-2.

Self-employed borrowers, business owners, real estate investors, and people with variable income may need a different approach to documenting their financial picture.

Non-QM loan programs may provide alternative qualification methods for certain borrowers. These programs have their own eligibility requirements, documentation standards, costs, and terms, so a personalized review is important.

Different income does not automatically mean there is no path forward.

Send me a message and let’s talk about your situation.

A home can check every box inside and still make daily life more difficult because of its location.Before making an offe...
08/20/2026

A home can check every box inside and still make daily life more difficult because of its location.

Before making an offer, consider how the neighborhood may fit your everyday routine:
• School and childcare routes
• Work commute
• Grocery stores and healthcare
• Parks and recreation
• Traffic at different times of day

When possible, visit the area more than once and at different times. Your dream home should support the way you actually live.

When you are ready to prepare the financing side of your home search, I’m here to help.

A temporary buydown is a financing arrangement that may lower a borrower’s monthly mortgage payment during the first one...
08/13/2026

A temporary buydown is a financing arrangement that may lower a borrower’s monthly mortgage payment during the first one or more years of the loan.
The funds used for the temporary reduction may come from an eligible seller, builder, or other approved source, depending on the transaction and loan program.
It is not the right fit for every buyer, but it can be one option to discuss when putting together a homebuying strategy.

Message me to learn more!

Real talk: the housing market can feel different in August than it did at the beginning of summer.Some sellers may becom...
08/11/2026

Real talk: the housing market can feel different in August than it did at the beginning of summer.

Some sellers may become more motivated as summer winds down, while buyers may face less competition than they did earlier in the season. That can sometimes create more room to discuss price, closing timelines, seller concessions, or other offer terms.

Every situation is different, but it may still be worth seeing what is available.
Have questions about preparing your financing? Send me a message.

Before you spend hours scrolling through listings, it helps to understand what may fit your financial picture.A pre-appr...
08/06/2026

Before you spend hours scrolling through listings, it helps to understand what may fit your financial picture.

A pre-approval can help you:
✓ Better understand your potential price range
✓ Review estimated monthly payments
✓ Identify documentation questions early
✓ Shop with a clearer plan

You do not need to have everything figured out before reaching out. I’m here to help you understand the process and determine your next step.

Summer may be winding down, but that does not necessarily mean you have missed your opportunity to make a move.Late summ...
08/04/2026

Summer may be winding down, but that does not necessarily mean you have missed your opportunity to make a move.
Late summer can bring a different pace to the housing market. Some buyers may face less competition than they did earlier in the season, and some sellers may be more open to discussing offer terms.

Thinking about buying? I can help you understand your financing options and build a plan for your next step.
Send me a message when you are ready to start the conversation.

A home can be more than a place to live. It can offer stability for today, security for tomorrow, and a foundation for w...
07/30/2026

A home can be more than a place to live. It can offer stability for today, security for tomorrow, and a foundation for whatever comes next.

Whether you are just starting to think about homeownership or ready to take the next step, the journey begins with understanding what may be possible for your goals.

A place to call home may be closer than you think.

Address

200 1st Avenue NW Ste 409
Hickory, NC
28601

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17145854299

Website

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