What are the opening hours?

Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

Robert Courts YBYMortgage NMLS #116120

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United States
Raleigh, NC
Robert Courts YBYMortgage NMLS #116120

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Robert is your personal Home Loan Officer at Advantage Lending. Proudly serving the Raleigh/Wake County area for over three decades.

He is committed to proving unmatched service and industry expertise. Advantage Lending MNLS #56871 Equal Housing Lender Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Advantage Lending supports Equal Housing Opportunity | NMLS #56871 | MLO NMLS # 116120, NC # I-113426 | 7521-101 Mourning Dove Rd Raleigh, NC 27615

11/03/2026

It's Election Day!

One thing I've always appreciated about Raleigh is the people who care enough about our community to get involved.

Today is an opportunity to have a say in the decisions that affect the place we call home.

Whatever your views, I hope you'll make time to participate.

Your voice matters. Your vote matters. Polls open 6:30am - 7:30pm

Robert Courts

10/29/2026

Can half a percentage point really make a difference in your mortgage?

Absolutely. But here's the bigger question.

Should you wait for interest rates to come down before buying a home?

That depends on your situation.

A lower interest rate generally means a lower monthly principal and interest payment. But interest rates aren't the only thing worth considering. Home prices, your finances, and how long you plan to stay in the home all matter.

I've had plenty of conversations with people who weren't sure whether they should buy now or wait.

Sometimes waiting makes sense. Sometimes it doesn't.

If you're wondering what's best for you, I'm happy to sit down and walk through the numbers.

Robert Courts | Your Mortgage Professor

10/28/2026

When you're starting a business, you want to save every nickel. I understand that.

But sometimes getting help early costs less than sorting out mistakes later.

I sat down with Nadine Smith of Payroll Vault for Friends Helping Friends to talk about something many business owners try to handle themselves: Payroll

My favorite takeaway? Have the conversation. Find out what help is available and what might fit your budget before deciding you can't afford it.

If you have a friend starting a business, this is worth passing along.

10/27/2026

Thinking about buying a home someday, but not sure where to start?

You don't need to have everything figured out before we talk.

Maybe you're wondering about your credit, how much you need for a down payment, or what you could comfortably afford.

Those are good questions to ask before you start looking at houses.

I've spent more than 30 years helping people in the Raleigh area understand their mortgage options. I'm always happy to answer questions, even if buying a home is still a year or two away.

Robert Courts | Your Mortgage Professor

10/26/2026

Turned down by one bank? That doesn't mean you're done.

I talk to people who think a mortgage denial means homeownership is off the table.

That's not necessarily true.

Different lenders have different guidelines and loan options. Sometimes it takes another conversation to understand what's possible.

If you've been turned down, I'm happy to take a look and help you understand your options.

Robert Courts
Your Mortgage Professor

10/23/2026

How much do you really need for a down payment?

You might be surprised.

Your income, existing debt, credit history, and down payment all play a part in determining what you may qualify for.

Some qualified buyers can purchase a home with as little as 3% down. Others may benefit from putting more money down.

The important thing is understanding your own numbers before making assumptions.

That's why I take the time to walk through the 3 Cs of underwriting with my clients.

Got questions? Give me a call or send me a message. I'm standing by and always happy to explain it.

Robert Courts
Raleigh's Mortgage Professor | Advantage Lending

10/21/2026

Six days before closing, a homebuyer got a phone call nobody wants to receive.

Their loan wasn't going through.

They were packed. The utilities had been transferred. Their address had already been changed.

Here's what I want every homebuyer to understand.

Getting pre-approved is an important first step, but there's still work to be done between signing a contract and sitting down at the closing table.

That's why the experience and communication of the people handling your loan matter.

Have questions about what happens after pre-approval? I'm always happy to explain it.

Robert Courts | Raleigh's Mortgage Professor

10/20/2026

"I love Realtors!"

That's how my friend with started our conversation, and she has a pretty good reason.

Moving is a great opportunity to get rid of things you don't need anymore. Why pack, move, and unpack something you will never use?

Susan helps people get organized before the move and settle into their new homes afterward.

I enjoy introducing you to local people who do good work right here in our community.

Thanks, Susan!

10/15/2026

Thinking about moving next year? You don't have to wait until you're looking at houses to ask mortgage questions.

I start with the three Cs:

• Credit: How your credit history affects your loan options.
• Capacity: How your income and monthly debts fit together.
• Collateral: The value and condition of the home you're buying.

We can talk through credit and capacity before you've picked out a home. That gives you a clearer starting point and time to prepare.

If a move is somewhere in your plans, message me. I'm happy to help you understand where you stand.

10/13/2026

One thing I've learned from living and working in Raleigh all these years is that being part of a community means staying involved in what happens here.

Our local elected officials make decisions that affect our neighborhoods, schools, housing, and quality of life. I think it's important to hear directly from the people who want to represent us.

On Saturday, October 17, Shaw University is hosting a FREE Raleigh & Wake County Candidates' Forum. It's an opportunity to meet candidates, hear their perspectives, and ask questions.

📅 **Saturday, October 17**
📍 Estey Hall, Shaw University, Raleigh
🕙 Raleigh candidates: 10 AM–12 PM
🍽️ Lunch: 12–1 PM
🕐 Wake County candidates: 1–3 PM

Registration is required. Scan the QR code on the flyer for details and registration.

Hope to see some familiar Raleigh faces there!

Robert Courts
Raleigh's Mortgage Professor

Address

7521-101 Mourning Dove Drive
Raleigh, NC
27612

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

https://themortgageprofessors.com/

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