LKN Capital Mortgage

LKN Capital Mortgage Company NMLS # 2020374
We are a team of mortgage professionals who share a vision of integrity, speed and customer service to our all of our clients.

Serving North Carolina, South Carolina, Florida, California, Colorado. Soon to come Texas and New Mexico.

After attending college at Central Piedmont Community College, Brittani Muller began a professional career as a dance in...
08/30/2022

After attending college at Central Piedmont Community College, Brittani Muller began a professional career as a dance instructor, a passion she’s held her entire life. Over 10 years with the organization, Brittani worked her way up to Lead Director. However, she eventually wanted a job that offered her a new challenge.

She soon found this opportunity with LKN Capital Mortgage. As a senior loan processor, Brittani loves the chance to help clients better their lives by helping them into the mortgage they deserve. She also enjoys that the industry is constantly evolving and challenges her on a daily basis!

Brittani was born in New York but has been living in North Carolina for over 20 years – ever since her family relocated to open a small business. When she’s not working hard to help borrowers into the perfect mortgage, you’ll likely find her enjoying the outdoors with her fur babies or twisting pizzas at her family’s restaurant. Brittani is grateful that her past professional experiences have allowed her to make a positive impact on so many lives and she looks forward to continuing this with LKN Capital Mortgage! Take a moment to learn more about Brittani and her work at LKN! https://bit.ly/3AW0sIs

“LKN Capital Mortgage is blessed to have a hard-working, dedicated, professional and above-the-call-of-duty employee lik...
08/25/2022

“LKN Capital Mortgage is blessed to have a hard-working, dedicated, professional and above-the-call-of-duty employee like Torrie. Again, thank you so much!” – Gloria H.

Closing costs: Fees paid by the borrower (typically) before finalizing, or closing on, a home purchase. These expenses c...
08/22/2022

Closing costs: Fees paid by the borrower (typically) before finalizing, or closing on, a home purchase. These expenses can include things like origination fees, appraisal fees, attorney fees, credit report fees, title insurance, and more, but are different from a down payment. In some situations, the seller may cover some of these costs.

What other terms can the LKN Capital Mortgage team help you define and understand?

“Like” for down payment. “Love” for Private Mortgage Insurance (PMI). Which option do you prefer? The inquiring minds a...
08/17/2022

“Like” for down payment. “Love” for Private Mortgage Insurance (PMI).

Which option do you prefer? The inquiring minds at LKN Capital Mortgage want to know!

There are almost always tradeoffs when shopping for a mortgage that fits your needs and financial capabilities. The relationship between down payments and PMI is often one of them.

When financing a new home, many lenders require borrowers to make a down payment that is equal to 20% of the home’s purchase price. If you can’t afford this down payment, or choose to forego it, you’ll likely be required to purchase PMI, an insurance policy that protects the lender in case the borrower defaults or forecloses on their home loan.

FALSE!Of course, when applying for a mortgage, lenders want to know you’ll be able to make your monthly payments in full...
08/13/2022

FALSE!

Of course, when applying for a mortgage, lenders want to know you’ll be able to make your monthly payments in full and on time. If you’ve just started a new job, though, how will you prove this to them?

Recently switching jobs won’t keep you from qualifying for a mortgage, but you’ll still need to show you’re a trustworthy and reliable applicant. In this situation, however, your previous work experience counts! Most lenders want to see a 2-year work history, which can include both current and previously held positions.

The mortgage industry is full of mystifying terms, qualifications, and situations – that’s why LKN Capital Mortgage is here to help you bust through the clutter and understand exactly what you need to get you into the home of your dreams! Visit our website and get in touch: https://lkncapmortgage.com/

The switch from renting to owning a home carries with it some incredible benefits, but it also comes with more responsib...
08/09/2022

The switch from renting to owning a home carries with it some incredible benefits, but it also comes with more responsibility. Now, you’re in charge of your space – the outside, inside, quick fixes, and in-depth home repairs. While we think these are all good things around LKN Capital Mortgage, you’ll want to keep some tools handy so you can manage whatever homeownership throws your way! Start by adding these items to your toolbox:

1. Stud finder
From hanging pictures and shelves to mounting television sets, this tool will help you locate studs and keep the number of holes in your wall (and your frustration) to a minimum.

2. Tape measure
This tool is a must if you’re ordering new appliances and furniture! You’ll want to know that what you purchase will fit perfectly in your new space.

3. Utility knife
Great for opening boxes and easily cutting through thick rope or tape, you’ll find a ton of uses for this instrument!

4. Set of pliers
Pliers are essential when you own your own home! Make sure you get a set that has needle-nosed, six-inch slip-joint, and cutter pliers so you’re prepared to grab onto anything and everything!

5. Hammer
Of course, every homeowner needs this multi-functional item in their toolbox. It can help you close a paint can, pry bent nails out of a wall, or pound your new mailbox into the ground – and so much more!

At LKN Capital Mortgage, our job isn’t to get you into just any home mortgage, it’s to get you into the RIGHT home mortg...
08/05/2022

At LKN Capital Mortgage, our job isn’t to get you into just any home mortgage, it’s to get you into the RIGHT home mortgage. And sometimes, that takes some guidance.

Our qualified mortgage professionals know the mortgage industry inside and out and will help you understand the requirements necessary to get a home loan that works for you – even if your financial situation isn’t ideal.

Maybe you have less than stellar credit. Our mortgage professionals can recommend ways to repair it. Or perhaps you recently opened a new company that is tying up your capital. An LKN mortgage expert will review your work history and income and look for an alternate way to get you qualified.

There are lots of gray areas in the mortgage space, but one thing is certain: LKN Capital Mortgage goes above and beyond to get every client into a mortgage that fits their needs! How can we help you? Let us know in the comments.

Reverse mortgages and cash-out refinances both allow borrowers to receive money using their home’s equity. So what exact...
08/02/2022

Reverse mortgages and cash-out refinances both allow borrowers to receive money using their home’s equity. So what exactly is the difference?

First, reverse mortgages are only available for individuals over the age of 62. You also need to have significant equity in your home to qualify –at least 50% in most cases. On the other hand, homeowners of any age can qualify for a cash-out refinance, and you don’t need to have a certain amount of equity built up to be eligible. The amount you can take out as cash is determined by the lender, however, and based on factors like the property value of your home and your creditworthiness.

Second, reverse mortgages and cash-out refi’s pay out differently. With a reverse mortgage, the borrower receives a payment using the equity they’ve accrued in their home over a number of years. This pay out can come as a lump sum, line of credit, or monthly deposit. When doing a cash-out refinance, however, you’re replacing your current mortgage with a larger one and taking the difference out as a cash payment.

There are a lot of opportunities in the mortgage industry, if you know where to look and how to qualify for them! That’s where our LKN mortgage experts come in. Give us a call or send us a message to see what programs could benefit you: https://lkncapmortgage.com/contact-us/

Finally, USDA loans close out our July home mortgage series. These loans offer low-to-moderate income buyers the opportu...
07/30/2022

Finally, USDA loans close out our July home mortgage series. These loans offer low-to-moderate income buyers the opportunity for homeownership within the guidelines of the U.S. Department of Agriculture’s mortgage program.

Because the program is intended to improve the economy in rural America, homes financed with USDA loans must be located in approved rural areas of the country. Other requirements are quite lenient, however. For example, many borrowers enjoy no down payment and more flexible credit score qualifications.

If you’re looking for a home away from the hustle and bustle of urban living, a USDA loan could be the perfect fit. Let one of our qualified LKN Capital Mortgage loan experts review your situation and discuss the possibilities. Learn more: http://ow.ly/MH1v50K7BTz

At LKN Capital Mortgage, we take the time to educate and empower the clients that walk through our door. Our team is mad...
07/26/2022

At LKN Capital Mortgage, we take the time to educate and empower the clients that walk through our door. Our team is made up of mortgage industry professionals with real world knowledge – more than 100 years’ combined expertise, in fact! That means we know the industry, understand the challenges it presents, and are qualified to offer you a solution that suits your needs. Most importantly though, we keep you informed, explaining every step and requirement along the way!

Want to work with a team you can trust? Get in touch! Visit our website at https://lkncapmortgage.com or give us a call – (888) 526-1079.

Next up on our month-long exploration of home mortgage options is the jumbo loan. As the name suggests, jumbo loans are ...
07/23/2022

Next up on our month-long exploration of home mortgage options is the jumbo loan. As the name suggests, jumbo loans are meant for very large home purchases. Because of their size, they have more strict requirements than conventional loans. If it looks like a jumbo loan will be needed for your home purchase, make sure you can check off the following items:

• Credit requirements vary, but you’ll typically need a score of at least 680 to 760 to be considered for this type of loan
• Your debt-to-income ratio must be under 45%
• For most lenders, you’ll need to provide a down payment of at least 20%

There are numerous variables that come into play with jumbo loans. If you’re in the market for a new home, give us a call at LKN Capital Mortgage. We’d love to help you step into the home of your dreams! https://lkncapmortgage.com/services/jumbo-loans/

Diane Gohringer is a lifelong learner who prides herself on providing top-notch client service. Her professional career ...
07/20/2022

Diane Gohringer is a lifelong learner who prides herself on providing top-notch client service. Her professional career began in the insurance industry. She quickly learned the basics of the business and within seven years, she worked her way up to the title of Personal Lines Underwriter with one of the largest insurance companies in the U.S. For five years after, she served as an independent insurance agent and found she enjoyed the flexibility it provided in helping her clients. From getting to know their needs to shopping around for the best option for their situation, being an independent agent allowed her to provide her very high standard of excellent client service!

Diane then pivoted to working in identification management solutions for K-12 schools, a position she held for a decade. She came across the opportunity to work with LKN Capital Mortgage unexpectedly, but quickly realized she had found her niche. For the first time, she felt like she had a chance to impact people’s lives on a level that truly makes a difference: Helping them with one of their most important purchases – their home.

Originally from Boston, Diane has now lived in North Carolina for 30 years. When she’s not digging into client needs, you might find her enjoying the great outdoors, spending time with family and friends, playing a competitive game of tennis with her husband, or visiting a local vineyard. We’re thrilled to have Diane on the LKN Capital Mortgage team! Learn more about her client-centric approach: https://lkncapmortgage.com/our-team/diane-gohringer/

Address

105 Landings Drive Ste 205
Mooresville, NC
28117

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm

Telephone

+19808009107

Website

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