Jamie Lavier with TowneBank Mortgage

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Jamie Lavier with TowneBank Mortgage TowneBank Mortgage is your local lender NMLS #512138
James M LaVier NMLS # 996395

Why wait for tomorrow's loan limits? Today's buyers deserve financing solutions that keep pace with today's housing mark...
09/18/2026

Why wait for tomorrow's loan limits? Today's buyers deserve financing solutions that keep pace with today's housing market.

That's why I'm excited to share that my company has expanded access to conventional financing up to $850,000 for qualified borrowers, helping create more opportunities in an evolving market.

With a higher loan limit, qualified borrowers may benefit from:
🏠 Access to more homes
đź’° Increased purchasing power
đź“Ť More flexibility in the neighborhoods they love
âś… Financing tailored to their goals

The market doesn't stand still, and neither should your financing options.

If you'd like to learn how these expanded loan limits could support your goals, I'd be happy to help.

AI can be a useful tool for homebuyers, helping you research neighborhoods, explore mortgage options, and stay organized...
09/17/2026

AI can be a useful tool for homebuyers, helping you research neighborhoods, explore mortgage options, and stay organized throughout the process.

The key is asking the right questions and pairing technology with trusted guidance.

Ready to take the next step toward homeownership? Let's talk.

On September 11, 2001, our nation was changed forever. Twenty-five years later, we pause to remember the lives lost, hon...
09/14/2026

On September 11, 2001, our nation was changed forever. Twenty-five years later, we pause to remember the lives lost, honor the heroes who responded without hesitation, and reflect on the strength and unity that carried us forward. We will never forget.

Every welcome home starts long before move-in day. Homeownership is often years in the making, and Labor Day is a remind...
09/07/2026

Every welcome home starts long before move-in day. Homeownership is often years in the making, and Labor Day is a reminder of the effort behind the milestone. Wishing you a relaxing weekend!

Becoming an empty nester can be the perfect opportunity to take a fresh look at your home and future goals. Whether you'...
08/31/2026

Becoming an empty nester can be the perfect opportunity to take a fresh look at your home and future goals.

Whether you're thinking about downsizing, rightsizing, renovating, or staying put, understanding how your home fits your lifestyle and financial plans can help you make confident decisions for the years ahead.

The best next step is the one that supports where you are today and where you want to go next.

Thinking about your next chapter? Let's talk.

Not everything on the back-to-school checklist can be added to your cart. 🛒🏡As routines change and kids grow, it's worth...
08/20/2026

Not everything on the back-to-school checklist can be added to your cart. 🛒🏡

As routines change and kids grow, it's worth asking whether your home still fits your family's needs. If you've been thinking about making a move, I'm always happy to chat.

A little perspective goes a long way. When you look at the bigger picture, today’s rates aren’t what they seem. The “rig...
08/11/2026

A little perspective goes a long way. When you look at the bigger picture, today’s rates aren’t what they seem. The “right time” to buy isn’t about perfect conditions, it’s about the right plan.

If you want to talk it through, I'm here anytime.

Buying a home? Don’t forget about closing costs 💡Here’s what to know:• Closing costs = 3%–6% of the home’s price• They i...
07/27/2026

Buying a home? Don’t forget about closing costs 💡

Here’s what to know:

• Closing costs = 3%–6% of the home’s price
• They include lender fees, title/inspection costs, taxes, insurance, and more
• You’ll get an early estimate (Loan Estimate) and final numbers before closing (Closing Disclosure)
• Some costs may be negotiable—and in some cases, sellers can help cover a portion
• There are even assistance programs that may help reduce upfront costs

The key takeaway: understanding your cash to close upfront helps you avoid surprises and plan with confidence.

Have questions about closing costs? Let’s walk through your numbers together.

I get this text all the time.You don’t have to have it all figured out to start.You can just ask questions.Start small. ...
07/22/2026

I get this text all the time.
You don’t have to have it all figured out to start.
You can just ask questions.
Start small. No pressure.
If you’ve got questions, I've got you.

Investor deals don’t have to get stuck on income documentation. With our DSCR Loans, clients can qualify based on the pr...
07/14/2026

Investor deals don’t have to get stuck on income documentation. With our DSCR Loans, clients can qualify based on the property’s income rather than personal income—making the process more streamlined and investor-friendly.

It’s a strong option for clients looking to build or scale their portfolio without traditional income barriers.

If you’ve got an investor deal to structure, I’m here to help.

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Kitty Hawk, NC
27949

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