Joey Milam Mortgage Team

Joey Milam Mortgage Team I'm a loan officer located in Wilmington, NC with Alpha Mortgage Advantage. We offer many loan programs and can close your loan in as little as 15 days!

New 5.0-star Review: ""
06/09/2026

New 5.0-star Review: ""

New 5.0-star Review: "great expericence,helpful"
06/08/2026

New 5.0-star Review: "great expericence,
helpful"

New 5.0-star Review: "great expericence "
06/08/2026

New 5.0-star Review: "great expericence "

๐ŸกUnderstanding these costs before buying can help you avoid surprises and feel more confident during the process. โœ…We ar...
06/08/2026

๐ŸกUnderstanding these costs before buying can help you avoid surprises and feel more confident during the process. โœ…We are here to guide you every step of the way to prepare for the real costs of homeownership! Apply today! www.joey.mortgage NMLS 117399, 1860353

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿด, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘ŽRates moved higher last week, with th...
06/08/2026

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿด, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
Rates moved higher last week, with the biggest moves coming on Friday in reaction to much stronger than expected jobs data. The jobs report smashed expectations, with more than twice as many new jobs created as forecast. The strong labor market makes it even more likely that the Fed will raise its policy rate this year to fight inflation.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
After last week's early headlines that Iran could be pulling out of peace talks proved to be inaccurate, there was still no meaningful progress toward a deal. Rates will continue to move alongside oil prices, as well as be affected this week by both consumer and wholesale inflation reports and continued headlines coming out of the Middle East.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜โ€™๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
โ€ข The Middle East: Despite talks dragging on, mortgage rates are still likely to move along with headlines about any progress toward a deal that could reopen the Strait of Hormuz to commercial shipping traffic.
โ€ข Economic data: Inflation is bad for rates, pushing them higher, and we could see rates react to both consumer and wholesale inflation data this week if they show inflation continues to increase.

06/04/2026

You do NOT need a perfect 800 credit score to buy a home. ๐Ÿ โŒ

One of the biggest myths holding people back from homeownership is the belief that their credit needs to be absolutely flawless before they can even talk to a lender.

The reality? You might be closer than you think.

In this quick video, Iโ€™m breaking down the actual, real-world minimum scores needed for different loan optionsโ€”like FHA and conventionalโ€”and why a few bumps in your credit history donโ€™t have to completely stall your goals.

Stop guessing what the numbers mean and letโ€™s look at the facts. ๐Ÿ“Š

๐Ÿ’ฐ

๐Ÿ’ธTired of watching rent prices rise?It might be time to turn those payments into equity and start building your future. ...
06/04/2026

๐Ÿ’ธTired of watching rent prices rise?
It might be time to turn those payments into equity and start building your future. Homeownership can offer stability, long-term growth, and a place to truly call your own. ๐Ÿก
The first step? Exploring your options. โœ…Letโ€™s get you started on your homeownership journey today! www.joey.mortgage NMLS 117399

06/03/2026

๐—ช๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐—ฎ๐—ป๐—ธ ๐—ต๐—ผ๐—ฝ๐—ฒ๐˜€ ๐˜†๐—ผ๐˜‚ ๐—ป๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐—น๐—ฒ๐—ฎ๐—ฟ๐—ป ๐Ÿ‘€

Making extra payments on your mortgage can potentially save you a LOT of money.

Hereโ€™s why:

๐Ÿ‘‰ Every extra dollar you pay toward the ๐—ฝ๐—ฟ๐—ถ๐—ป๐—ฐ๐—ถ๐—ฝ๐—ฎ๐—น lowers the amount you owe.

That means:
โœ… Less interest paid over time
โœ… More equity in your home
โœ… A faster path to owning your house outright

A few things to remember:

๐Ÿ‘‰ The sooner you make extra payments, the more they help.

๐Ÿ‘‰ Small extra payments add up. You donโ€™t have to wait until you can make a huge one.

๐Ÿ‘‰ Ask your loan servicer to apply extra money to ๐—ฝ๐—ฟ๐—ถ๐—ป๐—ฐ๐—ถ๐—ฝ๐—ฎ๐—น ๐—ผ๐—ป๐—น๐˜†.

Even one extra payment each year can make a big difference over the life of your loan.

Save this post for later and send it to someone who owns a home. ๐Ÿ‘‡

โœ…Getting started early can take the stress out of finding your dream home later on. Call us at 910.250.8888โ€”weโ€™re here t...
06/01/2026

โœ…Getting started early can take the stress out of finding your dream home later on. Call us at 910.250.8888โ€”weโ€™re here to make the process easy and enjoyable. Let's get started on your home loan preapproval today! ๐Ÿก www.joey.mortgage NMLS 117399

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿญ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐Ÿ‘Rates fell for a second straight week,...
06/01/2026

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—ป๐—ฒ ๐Ÿญ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐Ÿ‘
Rates fell for a second straight week, although the improvement was modest as peace talks with Iran continued to drag on without a final resolution. All other factors continued to take a back seat, with mortgage rates reacting almost solely to events in the Middle East.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
Rates will continue reacting to headlines about a potential peace deal with Iran, and that news was already volatile this morning. Unconfirmed reports that Iran may walk away from negotiations and fully block the Strait of Hormuz pushed mortgage rates higher to start the week. With markets closely tracking developments in the Middle East, rates will likely remain difficult to predict this week.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜โ€™๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
โ€ข The Middle East: Mortgage rates will continue to react to headlines about peace deal negotiations. When oil prices fall, rates tend to improve. When oil prices rise, rates tend to move higher. Expect some day-to-day volatility, and even changes during the day, as markets respond to new developments.
โ€ข Economic data: Although this is a big week for labor market data, it is unlikely the data will have as much impact on mortgage rates as usual.

Address

110 Dungannon Boulevard #100
Wilmington, NC
28403

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 10am - 6pm
Sunday 10am - 6pm

Website

,

Alerts

Be the first to know and let us send you an email when Joey Milam Mortgage Team posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Joey Milam Mortgage Team:

Shortcuts

Share

Category