Certified Home Loans

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United States
Raleigh, NC
Certified Home Loans

NMLS #1806779
Raleigh, NC
919-510-1108
www.chlraleigh.com

04/06/2026

REALITY: Many buyers secure their dream homes with WAY less. 🔑 There are loan programs that allow for down payments as low as 3% as well as tailor-made solutions to suit diverse financial backgrounds. 💰 Let's match the right plan to your unique needs.

04/04/2026

FHA loans are designed for low-to-moderate income homebuyers and typically require a lower down payment* than some conventional loans. Message us to learn more!

04/03/2026

Most Raleigh homebuyers think the mortgage process is done once they are under contract.
This is when underwriting gets stricter and every financial detail matters.

Our Raleigh based Mortgage Team sees possible delays for the same reasons across Raleigh, Cary, Apex, and Wake Forest.

3 common mistakes that can derail your mortgage approval:

Opening new credit
Financing a car, furniture, or appliances adds debt and impacts your debt-to-income ratio.
Large unexplained deposits
All funds must be sourced and documented to meet loan guidelines.
Job or income changes
Switching jobs, changing pay structure, or gaps in employment can pause or stop approval.

The rule is simple.
Before making any financial move during the loan process, talk to your lender.

Protect your approval. Protect your closing date.

03/28/2026

Real Estate Agents: Do you have clients ready to upgrade to a bigger home? We can provide Jumbo Loan offerings to make their move happen. Let's connect!

03/27/2026

Real Estate Agents: Do you have homebuyers concerned about the initial monthly expenses of homeownership? We can help with a temporary rate buydown that could put more cash in their pockets during the first year or two.

03/26/2026

Looking to renovate your home? Don't want to lose your current rate by refinancing? Reach out to see how a home equity line of credit (HELOC) could help you tap into your equity and use it to fund your new home project.

03/25/2026

Looking to lower your starting payment on a home in Raleigh, NC? An adjustable-rate mortgage (ARM) can offer lower initial rates and more flexibility.

Our team helps buyers across Raleigh, Cary, Apex, and Wake Forest compare ARM vs fixed options based on real numbers.

03/23/2026

Getting a mortgage doesn't need to be maddening. Reach out to our team today and see how purchasing your next home could be a slam dunk.

03/19/2026

Many homebuyers in Raleigh earn strong incomes and still feel surprised when mortgage approval numbers come back lower than expected.

Income alone does not determine how much home you qualify to buy. Mortgage lenders focus on your debt to income ratio.

Your DTI compares your monthly income to existing obligations.

Car payments
Student loans
Credit cards
Personal loans

These debts reduce the portion of income available for a housing payment. Most mortgage programs limit total debt to income near 43 to 50 percent depending on the loan type.

This is why two buyers with the same income receive very different approvals.

A buyer earning $150,000 with higher debt may qualify for less than a buyer earning $80,000 with minimal obligations.

In many situations, paying off a small loan or credit balance increases mortgage approval by tens of thousands of dollars.

Understanding your numbers early gives you a stronger strategy before home shopping.

Certified Home Loans in Raleigh, NC helps buyers across Raleigh, Cary, Apex, Wake Forest, and throughout North Carolina review income, debt, and credit to determine real home buying power.

Contact Certified Home Loans today to review your mortgage options and begin the pre approval process.

03/18/2026

Many homebuyers in Raleigh and across North Carolina ask one question first.

Can I get approved for a mortgage?

A better question is this. What will your home loan cost over time?

FHA loans often help first time homebuyers qualify with lower credit scores and smaller down payments. This program opens the door to homeownership when conventional guidelines feel out of reach.

There is an important detail many buyers miss. FHA mortgage insurance often remains for the life of the loan.

A conventional mortgage may require stronger credit and a higher down payment. Once you reach 20 percent equity, private mortgage insurance often drops off. Removing PMI reduces your monthly mortgage payment and lowers long term borrowing costs.

The right loan depends on several factors.

Your credit profile
Your available down payment
How long you plan to stay in the home
Your long term financial goals

Buyers across Raleigh, Cary, Apex, Wake Forest, and the greater North Carolina market compare FHA and conventional loans every day. Many feel uncertain about which option delivers the strongest financial outcome.

Certified Home Loans in Raleigh reviews your real numbers and compares FHA and conventional mortgage options side by side. You gain clarity before you commit to a loan structure.

03/17/2026

Planning St. Patrick’s Day in Raleigh? Here are popular, highly rated local spots for 2026:

Brunch + Kids
• A Place At The Table. Casual brunch with a welcoming, family-friendly vibe downtown.
• Biscuit Belly - Seaboard Station. Big Southern brunch plates and fun atmosphere.

Park District Event / Parade
• Raleigh St. Patrick's Day Parade. Annual downtown celebration with floats, bands, and family activities.

Coffee Shop with Irish Vibes
• PRESS Coffee Crêpes Cocktails. Cozy space with specialty drinks and brunch cocktails.
• Black & White Coffee Roasters. Award-winning local roaster for a strong start to your day.

Neighborhood Pub
• Hibernian Irish Pub & Restaurant. The Glenwood South & Falls of the Neuse Road locations are staples with Guinness, live music, and packed St. Paddy’s crowds.
• Trali Irish Pub & Restaurant. Traditional Irish fare and a loyal local following.

Sports Bar
• Brickhouse Sports Bar & Grill. Wall-to-wall TVs and a lively game-day scene.
• The Players' Retreat. A longtime Raleigh favorite near NC State.

Brewery
• Raleigh Brewing Company. Local craft staples and seasonal pours.
• Crank Arm Brewing Company. Downtown brewery known for fun events and rotating taps.

Raleigh offers the perfect mix of family fun, green beer, and local flavor.

03/16/2026

Most first-time buyers don’t fail because they’re irresponsible.

They stall because no one explained how this actually works.

They start scrolling homes before knowing their numbers.
They assume their income alone decides everything.
They think one small swipe of a credit card won’t matter.

And then stress creeps in.

Here’s what I’ve learned after walking hundreds of buyers through this process:

Clarity removes anxiety.
Strategy increases buying power.
Stability protects approvals.

This isn’t about being perfect.
It’s about being prepared.

And the truth?
A lot of people who think they’re “years away” are really just one honest conversation away.

Address

805 Spring Forest Road
Raleigh, NC
27609

Website

http://www.chlraleigh.com/

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