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Josh Benton at Integrity Mortgage Home Loans

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Wilmington, NC
Josh Benton at Integrity Mortgage Home Loans

Josh Benton
Mortgage Loan Originator
NMLS NC 1395694
SC 169351

02/08/2024

Beautiful waterfront 3-bedroom home in Waterford of the Carolinas

05/01/2023

Hello, May!

We are welcoming May with open arms! The days are longer, the temps are warmer, and the grass is greener!

What are you excited for in May?

We're excited to find you the perfect home loan so you can find the perfect home!

Let's get started!

04/28/2023

Before you go to settlement, your lender will pull what is called a “credit refresh”.

This is when an update to your credit report will be given to the lender to review and see if there is any new credit or debt.

If information has changed since loan approval, you may impact your closing date and your loan approval.

Here are some things to be cautious of before closing:

- Make all payments on time
- Avoid making any new purchases
- Avoid new charges to credit cards
- Refrain from co-signing a loan
- If you have to make large deposits or withdrawals to bank accounts, please provide documentation
- If you have to change jobs, please discuss with lender to see how it will impact your loan closing

When in doubt, we're here to steer you in the right direction!
Let's get you home!

04/26/2023

Mortgage underwriting is the process a lender uses to determine if the credit risk of offering a mortgage loan to a particular borrower is acceptable and is a major part of the mortgage origination process.

The underwriter is provided a set of parameters per loan program and will review a borrower’s financial information along with evaluating the subject property to make sure qualifications fit within those guidelines.

This is the sales phase that will determine the loans creditworthiness and determine if the loan is clear-to-close.

This is where having a knowledgeable Mortgage Loan Originator comes into play to try to avoid surprises prior to submitting your loan.

The more you know!

Josh Benton
[email protected]
(910) 640-6318

04/21/2023

Searching for a real estate agent? Yep, we can help with that too!

The right real estate agent makes a difference. We work hand-in-hand with agents to get you home.

Most real estate agents require a lender review before showing houses so they can find a home in your price range. Getting preapproved for a mortgage informs you of the maximum amount you can borrow and identifies any issues that need to be worked on early in the process.

Connect with us first and then we can help you find a real estate agent, if you don't already have one!

Josh Benton
[email protected]
(910) 640-6318

04/20/2023

Spring is a time of new beginnings, fresh starts, and renewal.

What better time to start building your dream home? The weather is ideal and you'll be in your new home for the holidays!

With our One-Time Close program, you won't have to worry about re-qualifying or incurring additional costs. It's designed for manufactured, modular, and stick-built housing.

This program offers an all-in-one financing option for construction, lot purchase, and permanent mortgage funding with one closing. Because the permanent loan is closed before construction begins there is no need to re-qualify, simplifying the construction purchase process.

PROGRAM HIGHLIGHTS
■ NO payments due from borrower during construction
■ NO re-qualification once construction is complete
■ Single closing reduces total costs

Let's connect and get you into your dream home!

Josh Benton
[email protected]
(910) 640-6318

04/18/2023

Is your lease up? Or perhaps your rent is getting ready to increase? Owing your own home provides payment consistency.*

Owning and renting each have their own advantages. As you weigh your options please keep the following in mind.

■ Owning your own home provides payment consistency
■ Acts as an investment that may build equity over time
■ Once the home is paid off, the home is yours
■ Your Home. Your Rules.

It all starts with a conversation.

Josh Benton
[email protected]
(910) 640-6318

*Monthly mortgage payments could still increase due to increase in property taxes, insurance, etc. expenses.

04/17/2023

Buy land, they're not making anymore of it.

Interested in buying some earth? Integrity Home Mortgage offers financing for vacant residential lots that will be used as the perfect place for you to build that new home!

Let's connect for more details!

Josh Benton
[email protected]
(910) 640-6318

04/14/2023

Did you know? We are AVAILABLE all weekend long!

Availability is a must when working with a lender. We are here to serve our referral partners and clients with outstanding service 7 days a week.

We understand that most clients are going to need our assistance outside of traditional 9-5 business hours.

We also have our mortgage app - Integrity Connect! Where you can easily apply and receive your pre-qualification and pre-approval letters right from your phone or web-dashboard.

How can we assist you this weekend?

Josh Benton
[email protected]
(910) 640-6318

04/13/2023

If you’re saving up to buy your first home or wondering if you have enough equity to trade out for another, you may be relieved to know that for most buyers, low down payment options are still available.

0%-
VA / USDA both offer a zero down loan program for individuals and/or properties that meet their criteria.

3.5%-
FHA loan program can allow as little as 3.5% down.

3%-
Fannie Mae/Freddie Mac conventional loans are available with down payments as low as 3% on single-family homes.

Whether you’ve saved a little or a lot, reach out today, and we’ll work on finding the perfect formula that’s just right for you.

Josh Benton
[email protected]
(910) 640-6318

*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA, USDA/RD, VA or the Federal government. All mortgage loan applicants are subject to underwriting and qualification guidelines.

04/11/2023

USDA/RD has Manufactured Housing options for lenders to help homebuyers finance homes across rural America.

This includes manufactured homes, which can help boost the housing supply in rural America and bring homeownership within reach.

Program Highlights:
■ Primary Purchase Only
■ 100% Financing Available
■ Buyer can purchase new manufactured homes or existing built on or after Jan 1, 2006

Reach out to learn more!

Josh Benton
[email protected]
(910) 640-6318

*Only eligible in OH, PA, TN, TX, VA, WV. Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of USDA/RD or the Federal government.

04/09/2023

Easter is the time to rejoice and be thankful for the gift of life, love, and joy.

Wishing you and yours a blessed day!

Address

226 N Front Street
Wilmington, NC
28401

Telephone

+19106406318

Website

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