National Home Finance

National Home Finance National Home Finance is a Wilmington, NC based mortgage brokerage and mortgage lenders company. We serve North Carolina, Florida and Virginia.

National Home Finance: Your Personal Mortgage Lenders

Our philosophy is simple: treat our customers as we wish to be treated. We take a consultative approach instead of pushing everyone into a cookie-cutter loan; we will find the type of mortgage loan that is best for you and we’ll take the time to explain everything. A Local Mortgage Home Loan Team with National Partnerships

Our team is made up

of many smaller teams tailored to give personalized service so our customers can always feel like they are working with friends. We have formed and partnered with an array of mortgage servicers that focus on different types of home loans so that we may find you the very best loan and the lowest mortgage loan rates available anywhere. Being able to broker/shop your loan gives you the advantage of saving a great deal over the life of the mortgage loan. We can help you with any type of home loan including:

• Conventional
• Jumbo
• Fixed rate
• Adjustable
• Reverse
• Refinance
• Federal home loan programs, like FHA & VA

The answer: usually true!Most pre-approvals are valid for a limited time because lenders must verify that the informatio...
06/08/2026

The answer: usually true!

Most pre-approvals are valid for a limited time because lenders must verify that the information used to qualify you is still current. Income, assets, employment, credit, and debt can all change over time, which is why an updated review may be needed if your home search takes longer than expected.

Believe it or not, renewing a pre-approval is often much simpler than starting from scratch! If your pre-approval is approaching its expiration date, reach out to your lender before you find the perfect home. Staying up to date can help prevent delays when you're ready to make an offer.

Not sure if your pre-approval is still valid? We're happy to help you find out! Reach out to us if you ever have any questions!

910-332-4040
NationalHomeFinance.com

National Home Finance NMLS #1099098

Nothing means more to us than hearing from the people we've had the privilege of helping.Whether you're purchasing your ...
06/05/2026

Nothing means more to us than hearing from the people we've had the privilege of helping.
Whether you're purchasing your first home, refinancing, or exploring your options, our goal is always the same: provide clear communication, honest guidance, and a smooth process from start to finish.

Thinking about refinancing or buying a home? We'd love the opportunity to help you explore your options!

Joe Rumora NMLS #117426
Marty DeJoseph NMLS #1132915
Sherry Schaeffer NMLS #117413
National Home Finance NMLS #1099098

One of the biggest surprises for first-time homebuyers is learning that the down payment isn’t the only expense to plan ...
06/03/2026

One of the biggest surprises for first-time homebuyers is learning that the down payment isn’t the only expense to plan for. In addition to your down payment, you’ll also need funds for closing costs. These costs typically include items such as lender fees, title work, attorney fees, prepaid taxes, and homeowners insurance.

Closing costs can often be planned for well in advance, and in some cases, seller concessions or specific loan programs may help reduce your out-of-pocket expenses.
Every home purchase is different, which is why it’s important to understand the full picture before you start shopping for a home. A conversation with your lender can help you determine exactly how much you’ll need and what options may be available to you!

Have questions about down payments, closing costs, or getting pre-approved? We’re here to help!

910-332-4040
NationalHomeFinance.com

We think the better option in this “would you rather” is pretty obvious. Take a chance, take the leap, and see just how ...
05/29/2026

We think the better option in this “would you rather” is pretty obvious. Take a chance, take the leap, and see just how great home-ownership can be!

Give us a call, and let’s get started on finding the perfect loan for YOU!

910-332-4040
NationalHomeFinance.com

Marty DeJoseph NMLS #132915
910.620.3407

National Home Finance NMLS #1099098

There are several factors you'll need to consider when you decide how long you want to spend paying off your mortgage! B...
05/27/2026

There are several factors you'll need to consider when you decide how long you want to spend paying off your mortgage! Both the 15 year and 30 year mortgage offer great pros as well as cons.

Find out which option is best for you by speaking with one of our home loan specialists. We offer FREE consultations and advice!

Contact us at 910-332-4040 or visit NationalHomeFinance.com today!

National Home Finance NMLS #1099098

Today we remember and honor the brave men and women who gave their lives in service to our country.Memorial Day is more ...
05/25/2026

Today we remember and honor the brave men and women who gave their lives in service to our country.

Memorial Day is more than a long weekend or the start of summer. It’s a time to reflect on the sacrifices made for the freedoms we enjoy every day and to recognize the families who continue to carry that loss. We are beyond grateful for those who served and especially mindful of those who never made it home.

We are honored to work with veterans, active duty service members, and military families throughout our community, and we remain thankful for the sacrifices made both in and out of uniform.

Wishing everyone a safe and meaningful Memorial Day. 🇺🇸

Refinancing can be a great financial tool, but timing and preparation matter more than many homeowners realize! If you’r...
05/22/2026

Refinancing can be a great financial tool, but timing and preparation matter more than many homeowners realize! If you’re thinking about refinancing, here are a few things you’ll typically want to avoid during the process:

🔸 Opening new credit cards or taking on new debt

🔸 Making large unexplained deposits into your bank account

🔸 Missing or making late payments on existing accounts

🔸 Changing jobs or income structures without talking to your lender first

🔸 Applying for multiple new loans at the same time

Even small financial changes can impact your approval, interest rate, or overall loan terms while your refinance is being reviewed. The good news is that most issues can be avoided with a little planning and communication!

We help guide borrowers through the refinance process so there are fewer surprises along the way. If you’re considering refinancing and want to know what options may be available to you, let’s talk! Give us a call at 910-332-4040 or visit NationalHomeFinance.com to get started!

Joe Rumora NMLS #117426
910.352.6189

National Home Finance NMLS #1099098

One surprise many first-time homebuyers don’t expect? Your first mortgage payment usually isn’t due immediately after cl...
05/20/2026

One surprise many first-time homebuyers don’t expect? Your first mortgage payment usually isn’t due immediately after closing. Depending on your closing date, there is often a gap between closing day and your first mortgage payment. In some cases, buyers may go a full month before making that first payment.

For example: If you close in June, your first mortgage payment may not be due until August.

Why this happens is because mortgage interest is typically paid in arrears, meaning your payment covers the previous month’s interest rather than the upcoming month. While this can give buyers a little breathing room after closing, it’s still important to budget wisely. Closing costs, moving expenses, utility setup, furniture, and other home expenses can add up quickly!

Understanding how the timing works can help you feel more prepared and confident throughout the homebuying process. Have questions about what to expect after closing? We’re here to help walk you through it!

Give us a call at 910-332-4040 or visit NationalHomeFinance.com to get started!

National Home Finance NMLS #1099098

At National Home Finance, we offer great rates and programs tailored to fit your needs! Our residential loan specialists...
05/18/2026

At National Home Finance, we offer great rates and programs tailored to fit your needs! Our residential loan specialists have YEARS of experience in the industry and in YOUR market. We are local. We believe in serving you, OUR community, is paramount above all others!

Let’s get started on finding the perfect loan for you and your family! Let’s chat.
Call us at 910-332-4040 or visit NationalHomeFinance.com!

National Home Finance NMLS #1099098

Marty DeJoseph NMLS #1132915
(910) 620-3407‬

Joe Rumora NMLS #117426
910.352.6189

Sherry Schaeffer NMLS #117413

PMI, or Private Mortgage Insurance, is something many buyers will come across when using a conventional loan with less t...
05/15/2026

PMI, or Private Mortgage Insurance, is something many buyers will come across when using a conventional loan with less than 20% down!

While some people see PMI as a negative, it can actually help buyers become homeowners sooner instead of waiting years to save a larger down payment.

A few important things to know about PMI:

🔹 PMI is typically required on conventional loans when the down payment is under 20%�
🔹 It’s added to your monthly mortgage payment�
🔹 The cost can vary based on credit score, loan amount, and down payment size�
🔹 PMI is not permanent in most cases and can often be removed once enough equity is built

For many buyers, paying PMI for a period of time may make more sense than continuing to rent while trying to save a full 20% down payment. Every buyer’s financial situation is different, which is why understanding your loan options matters!

If you have questions about conventional loans, PMI, or what type of mortgage may fit your goals best, we’re here to help. Give us a call at 910-332-4040 or visit NationalHomeFinance.com to get started!

National Home Finance NMLS #1099098

Address

3205 Randall Pkwy, Ste/211
Wilmington, NC
28403

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