Carol Rasberry Millis- Mortgage Consultant-NMLS# 111994

Carol Rasberry Millis- Mortgage Consultant-NMLS# 111994 My team and I are here to assist you in understanding the loan process by looking at your entire financial history NMLS Number 111994 VA, NC, FL, TN and MD

Some buyers choose new construction because it offers the opportunity to personalize layouts, finishes, and features to ...
06/11/2026

Some buyers choose new construction because it offers the opportunity to personalize layouts, finishes, and features to better fit their lifestyle and long term goals. New construction homes may also include modern designs, updated materials, and energy efficient features that appeal to today’s buyers.

Understanding both the building process and available financing options can help buyers feel more prepared as they explore whether building may be the right fit.

I’m happy to help walk through construction financing options and what the process may look like from start to finish.

The VA One-Time Close may help builders sell more homes by expanding the qualified buyer pool for new construction. One ...
06/09/2026

The VA One-Time Close may help builders sell more homes by expanding the qualified buyer pool for new construction. One loan structure can finance the lot, construction, and long-term mortgage, helping reduce delays and keep contracts moving from start to close.

With one approval before construction begins and no re-qualification at completion, buyers and builders gain confidence throughout the build. Improved affordability with no PMI and low down payment options up to 100% LTV for qualified borrowers help support smoother closings.

Our team front-loads qualification, manages conditions proactively, and communicates consistently to help timelines stay predictable through closing.

Financing a new construction home often works differently than financing an existing property. Timelines, draw schedules...
06/04/2026

Financing a new construction home often works differently than financing an existing property. Timelines, draw schedules, inspections, and loan structures can all play a role throughout the building process.

Understanding these elements early may help buyers feel more prepared and confident before construction begins.

If building a home is something being considered, I’m happy to help explain the financing side and available options.

June is National Homeownership Month. It’s a reminder that homeownership is about more than just where someone lives.It’...
06/02/2026

June is National Homeownership Month. It’s a reminder that homeownership is about more than just where someone lives.

It’s about having a space that reflects personal goals, creating a sense of stability, and building something that grows over time.

That sense of ownership is part of what makes a house feel like home.

For buyers who already own land, that equity may be able to contribute toward the overall construction financing. This m...
05/28/2026

For buyers who already own land, that equity may be able to contribute toward the overall construction financing. This may reduce the need for additional cash at closing depending on the loan program and eligibility. Understanding how land value factors into financing can be an important step when planning to build a new home.

If you already own land, I can help review how it may factor into your financing options.

A day to remember, reflect, and honor those who served and sacrificed.
05/25/2026

A day to remember, reflect, and honor those who served and sacrificed.

Construction loans can be structured in different ways. A one-time close loan typically combines construction and perman...
05/21/2026

Construction loans can be structured in different ways. A one-time close loan typically combines construction and permanent financing into a single closing, while a two-time close involves separate closings for each phase. Each option has its own structure, costs, and considerations. Understanding these differences can help determine which approach aligns with a buyer’s plans.

If you’re comparing options, I can help break down the differences in a simple way.

Credit is one of several factors lenders review during the home financing process. It may influence loan options, intere...
05/19/2026

Credit is one of several factors lenders review during the home financing process. It may influence loan options, interest rates, and overall loan structure. Understanding where credit stands early in the process can help buyers better prepare and explore options that align with their financial goals.

I’m always happy to walk through how credit may impact different loan options, even if homebuying is still a future plan.

Some construction financing options allow homeowners to remain in their current home while their new home is being built...
05/14/2026

Some construction financing options allow homeowners to remain in their current home while their new home is being built. This type of program may help provide flexibility during the construction process by avoiding the need for temporary housing. Reviewing available options can help determine what fits best based on individual circumstances.

I’m happy to explain how this type of program works and whether it may be an option to consider.

Planning for a home purchase often includes more than just the monthly mortgage payment. Buyers may also consider upfron...
05/12/2026

Planning for a home purchase often includes more than just the monthly mortgage payment. Buyers may also consider upfront costs like down payment and closing costs, along with ongoing expenses such as property taxes, insurance, and maintenance. Creating a thoughtful budget early can help make the transition into homeownership feel more manageable.

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Virginia Beach, VA

Telephone

+17573487120

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