Mortgage Queen Jasmyne Inkrote NMLS #2104835

Mortgage Queen Jasmyne Inkrote NMLS #2104835 NC Mortgage Broker for buyers who need clarity. Follow for real Homebuyer advice
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Late summer can give you more negotiating power in Raleigh.From July through September, buyer competition often eases wh...
09/08/2026

Late summer can give you more negotiating power in Raleigh.

From July through September, buyer competition often eases while some sellers become more open to strong terms. That can mean fewer bidding wars and more room to negotiate.

In the right situation, you may be able to pursue 3-6% in seller concessions toward eligible closing costs or prepaid expenses. Seller approval, contract terms, and loan guidelines still matter.

If you're planning to buy in Raleigh, North Hills, Five Points, or nearby communities, this is a window worth taking seriously.

Comment “SUMMER” and I'll send you a custom Raleigh market report.

A bi-weekly mortgage payment plan can turn 12 monthly payments into 13 full payments each year.You won't need to make on...
09/06/2026

A bi-weekly mortgage payment plan can turn 12 monthly payments into 13 full payments each year.

You won't need to make one large extra payment. Instead, split your monthly mortgage payment in half and pay every two weeks. Because there are 26 bi-weekly payments annually, you'll make 13 monthly payment equivalents instead of 12.

That extra payment goes toward reducing your loan balance, which can accelerate equity growth and may shave years off your mortgage, depending on your balance, interest rate, and loan term.

Before you start, confirm your loan servicer applies partial payments correctly and doesn't charge additional fees.

Comment ACCELERATE for a personalized amortization comparison based on your loan.

Putting 20% down isn't the only way a Raleigh buyer may avoid monthly PMI.An 80-10-10 piggyback loan strategy uses:80% f...
09/04/2026

Putting 20% down isn't the only way a Raleigh buyer may avoid monthly PMI.

An 80-10-10 piggyback loan strategy uses:

80% first mortgage
10% second mortgage
10% down payment

The goal is to keep the first mortgage at 80% loan-to-value, which may avoid PMI on that loan.

My take: this can be a smart option when preserving cash matters, but it isn't automatically cheaper.

Potential pros:
• No monthly PMI on the first mortgage
• Less upfront cash than a 20% down payment
• More cash available for closing costs or reserves

Potential cons:
• You'll have two mortgage payments
• The second mortgage may have a higher interest rate
• Approval and debt-to-income requirements apply
• The total payment and long-term cost must be compared carefully

For a $400,000 Raleigh home, the structure could mean $40,000 down, a $320,000 first mortgage, and a $40,000 second mortgage, before closing costs. Exact numbers vary.

Don't assume 20% down is your only path. Compare the full payment, cash needed, and total interest before choosing.

Comment “PIGGYBACK” and I'll send the details.

NC homeowners insurance rates rose an average of 7.5% on June 1, 2026.That increase can raise your monthly mortgage paym...
09/02/2026

NC homeowners insurance rates rose an average of 7.5% on June 1, 2026.

That increase can raise your monthly mortgage payment when your homeowners insurance is paid through escrow.

If you're buying in Raleigh, Durham, Cary, or another Triangle community, budget for the insurance quote before you make an offer. Storm exposure, fire risk, property age, roof condition, coverage limits, and deductibles can all affect your premium.

My advice is simple:

• Get insurance estimates early in the buying process.
• Compare coverage and premiums with more than one carrier.
• Review your policy every year.
• Confirm that your dwelling coverage reflects current replacement costs.
• Plan for escrow changes instead of treating insurance as a fixed expense.

The 7.5% figure is an average base-rate increase. Your actual premium may be different.

Comment INSURANCE and I'll send you a closing cost checklist that includes insurance estimates.

Raleigh housing market update: Active inventory is up over 15% and days on market are shifting, giving buyers real lever...
08/31/2026

Raleigh housing market update: Active inventory is up over 15% and days on market are shifting, giving buyers real leverage. If you have been waiting on the sidelines because of higher interest rates, today's balanced market offers unique opportunities.

Sellers and builders are offering meaningful concessions: including rate buydowns and closing cost assistance: that can dramatically lower your monthly payment without waiting for rates to drop. Combined with flexible 3.5% FHA or 3% conventional financing, homeownership in the Triangle is more accessible than the headlines suggest.

Let's run the numbers on your specific buying power. Comment 'RATE' below and I will send you our latest buyer concession and monthly payment breakdown guide.

Jasmyne Inkrote | Inkrote Lending Solutions powered by Edge Home Finance, LLC
NMLS 2104835 | NMLS 891464
urclear2close.com

You're waiting for mortgage rates to drop to 5.5% before you buy in Raleigh. Here's what that wait is actually costing y...
08/29/2026

You're waiting for mortgage rates to drop to 5.5% before you buy in Raleigh.

Here's what that wait is actually costing you.

Let's look at a $500,000 home near Five Points. Raleigh home appreciation averages about 5% each year. Waiting twelve months for a rate dip saves you a little on your monthly payment, but the purchase price climbs by $25,000.

You trade a temporary rate reduction for a permanently higher principal balance.

Rates can be refinanced. Property values in core Raleigh neighborhoods don't go backward.

Stop trying to time the market. Buy the house now and adjust your loan later.

Send me a direct message with the word GUIDE to review the math for your specific purchase budget.

🔋 Smart Raleigh Buyers: Did you know you can finance solar panels and high-efficiency HVAC upgrades directly into your m...
08/27/2026

🔋 Smart Raleigh Buyers: Did you know you can finance solar panels and high-efficiency HVAC upgrades directly into your mortgage? With Energy-Efficient Mortgages (EEMs), you don’t need to drain your savings or take out a high-interest personal loan to make your new home eco-friendly and cost-effective. Here is how an EEM works for you: 🏡 Bundle upgrade costs right into your primary loan 💡 Lower your monthly utility overhead from day one 📈 Often boost your DTI-based buying power by factoring in future energy savings. Stop letting high utility bills eat into your monthly budget. Let’s look at how green upgrades can work for your next purchase! 💬 Comment "GREEN" below, and I will send you our complete guide on financing energy-efficient home improvements in the Triangle! Jasmyne Inkrote | Inkrote Lending Solutions powered by Edge Home Finance, LLC NMLS #2104835 | urclear2close.com

08/26/2026

HOMEbuyer MONEY UNIVERSITY
MONEY 101 | Lesson 008: Stop shopping by purchase price.

A $300,000 house does not always equal the same monthly payment.

Neither does a $350,000 house.

Your payment can change based on:

• Interest rate
• Property taxes
• Homeowners insurance
• Mortgage insurance
• HOA dues
• Down payment
• Loan program

That’s why I don’t want you starting your home search with:

“What’s the most expensive house I can buy?”

I want to start with:

“What monthly payment would feel comfortable for you?”

Then we can work backward and figure out the price range that makes sense.

Because you don’t feel the purchase price leaving your bank account every month.

You feel the payment.

And two homes with the same price tag can affect your budget very differently.

Your homework: Pick the total monthly housing payment you’d feel comfortable paying, including taxes and insurance.

Then build your home search around that number.

Comment BUDGET if you want help figuring out what purchase price may line up with the payment you actually want.

Class dismissed.

08/25/2026

HOMEbuyer MONEY UNIVERSITY
MONEY 101 | Lesson 007: The House-Poor Test

Before you decide what mortgage payment you can “afford,” ask yourself this:

After I pay my mortgage, can I still…

• Save money?
• Handle an emergency?
• Travel or enjoy myself?
• Invest?
• Pay for my kids’ activities?
• Handle a car repair without panicking?
• Live without checking my account before every purchase?

If the answer is no, the payment may be technically affordable on paper, but it may not be affordable for your life.

A lender can tell you the maximum amount you qualify for.

That does not mean you need to spend it.

I’d rather help you buy a home with a payment that leaves room for the rest of your goals than put you in the biggest house your income can support.

Your homework: Write down the monthly payment that would still allow you to save, enjoy your life, and handle unexpected expenses.

That number matters more to me than your maximum approval.

Comment PAYMENT if you want help working backward from your comfortable monthly payment to a realistic home price.

Class dismissed.

Single-family homes inside the beltline are out of reach. Prices are hitting half a million and more before you even fac...
08/25/2026

Single-family homes inside the beltline are out of reach. Prices are hitting half a million and more before you even factor in renovations.

Townhomes are your entry point.

They aren't a compromise. They're a strategy.

You get the Raleigh location you want without the million-dollar price tag. Maintenance is lower. Equity builds just as fast.

Look at Five Points and North Hills. Townhomes are popping up where single-family lots used to sit.

Don't wait for a detached house that doesn't fit your budget.

Comment TOWN below and I'll send you a list of available townhome communities in Raleigh right now.

Address

120 N Franklin Street
Rocky Mount, NC
27804

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19848338027

Website

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