National Home Finance

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National Home Finance

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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

10/17/2026

Did you know that VA loans aren't actually issued by the Department of Veterans Affairs?

VA loans are provided by private lenders and backed by the VA. This government guarantee helps eligible veterans, active-duty service members, and certain surviving spouses access valuable home financing benefits, including the possibility of purchasing a home with no down payment and no monthly private mortgage insurance.

The VA establishes program guidelines, while lenders handle the application, review your financial qualifications, and guide you through the loan process.

Our team is proud to help those who have served understand their VA loan benefits and explore their homeownership options. Have questions about your eligibility or getting started? Give our team a call at 910-330-4040 or visit NationalHomeFinance.com!

National Home Finance NMLS #1099098

10/14/2026

Online mortgage calculators can be a helpful starting point, but they don't always give you the full picture of what your monthly payment could look like!

Your actual mortgage payment depends on several factors, including your loan program, interest rate, down payment, property taxes, homeowners insurance, and any applicable mortgage insurance or HOA dues. These details can make a significant difference in what you'll pay each month.

We take the time to review your financial situation, explain your financing options, and provide estimates tailored to your home-buying goals. Before relying on an online calculator, give our team a call at 910-332-4040 or visit NationalHomeFinance.com! We're happy to help you get a clearer understanding of the numbers.

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

10/12/2026

Buying a home along the North Carolina coast? There are a few additional expenses to consider when calculating your monthly mortgage payment!

Coastal properties may come with higher homeowners insurance premiums due to hurricane and wind exposure, additional wind and hail coverage, and flood insurance requirements depending on the property's location and your lender's requirements. Property taxes and HOA dues can also impact your overall monthly housing expenses!

Our goal is to help buyers understand the full financial picture before purchasing. If you're considering a home along the coast, give our team a call at 910-332-4040 or visit NationalHomeFinance.com! We'll help you review the numbers so you can make an informed decision with confidence.

National Home Finance NMLS #1099098

10/09/2026

How much debt is too much when it comes to buying a home? The answer depends on your financial situation!

Lenders look at something called your debt-to-income ratio (DTI), which compares your monthly debt payments to your gross monthly income. This includes obligations like car payments, student loans, credit cards, and your proposed mortgage payment.

Having existing debt doesn't automatically disqualify you from purchasing a home. Different loan programs have different guidelines, and factors like your credit history, income, and available savings can also play a role in determining your eligibility.

Wondering how your current debt could affect your home-buying options? Give our team a call at 910-332-4040 or visit NationalHomeFinance.com! We'll help you review your numbers and understand where you stand.

National Home Finance NMLS #1099098

10/08/2026

This one is a myth! For eligible VA borrowers, one of the biggest benefits of a VA loan is the ability to purchase a home with 0% down.

That doesn’t mean there are never upfront costs involved. Buyers may still need to plan for things like closing costs, inspections, the appraisal, and other expenses associated with the purchase. The exact numbers will depend on the home, loan, and individual situation.

If you’re eligible for a VA loan, talk with our team at 910-332-4040 or visit NationalHomeFinance.com before assuming how much you need to have saved. We can help you understand your benefit and what to expect financially before you start shopping for a home!

Joe Rumora NMLS #117426
910-352-6189

National Home Finance NMLS #1099098

10/05/2026

20% down is a number many buyers have heard for years, but it isn’t a requirement for every mortgage.

Depending on the loan program and your qualifications, you may be able to purchase a home with significantly less upfront. Your down payment can also affect things like mortgage insurance, your monthly payment, and how much cash you’ll need at closing.

Before assuming you need to save 20%, talk with our team. We can walk you through the loan options available to you and help you understand what down payment makes sense for your situation.

National Home Finance NMLS #1099098
910-332-4040
NationalHomeFinance.com

10/02/2026

Your monthly mortgage payment can include more than the amount going toward the home itself. Understanding the full picture can help you budget more accurately before you buy!

Along with principal and interest, your payment may also include property taxes, homeowners insurance, and mortgage insurance when applicable. If your home is in an HOA, those dues may be another housing expense to plan for, though they’re typically paid separately from your mortgage.

Want a clearer idea of what your monthly payment could actually look like? Give us a call at 910-332-4040 or visit NationalHomeFinance.com and we’ll help you break down the numbers for your specific situation.

National Home Finance NMLS #1099098

09/30/2026

Reviews like this mean so much to our team! Buying a home comes with plenty of questions, decisions, and moving pieces, and having a lender who takes the time to explain the process can make all the difference.

Thank you for trusting Marty and our team with such an important purchase. We’re grateful to have been part of your home-buying experience and even more grateful for the kind words!

Marty DeJoseph NMLS #1132915
910-620-3407

National Home Finance NMLS #1099098
910-332-4040
NationalHomeFinance.com

09/28/2026

Closing costs are one of the biggest numbers buyers hear about during the mortgage process, but what are you actually paying for?

Closing costs can include expenses such as lender fees, the appraisal, title services, attorney or settlement fees, recording fees, and prepaid expenses like homeowners insurance and property taxes. The exact amount varies based on your loan, property, and transaction.

Knowing what to expect ahead of time can make budgeting for your home purchase much easier. Talk with our team early in the process so we can walk you through the numbers and help you understand where your money is going! Call us at 910-332-4040 or visit NationalHomeFinance.com today!

National Home Finance NMLS #1099098

09/25/2026

You don’t have to know exactly what loan you need, how much you should put down, or even what price range you should be looking in before you give us a call!

That first conversation is where we can look at your income, credit, debts, available funds, and goals to help you understand your options and what the path forward could look like.

Even if buying a home is still a “maybe someday” idea, it’s never too early to ask questions. Give us a call at 910-332-4040 or visit NationalHomeFinance.com and we’ll figure it out together!

Joe Rumora NMLS #117426
910-352-6189

Marty DeJoseph NMLS #1132915
910-620-3407

National Home Finance NMLS #1099098

Address

3205 Randall Pkwy, Ste/211
Wilmington, NC
28403

Website

http://nationalhomefinance.com/

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