Courtland Parnell - Loan Officer at Southern Trust Mortgage - NMLS#1401188

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Wilmington, NC
Courtland Parnell - Loan Officer at Southern Trust Mortgage - NMLS#1401188

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Loan Officer NMLS ID #: 1401188
Southern Trust Mortgage LLC, Equal Opportunity Lender NMLS # 2921

Since market conditions and mortgage programs change frequently, it’s important to work with a skilled home loan professional who is able to give quick and accurate financial guidance. I am committed to providing outstanding customer service and helping you make an informed decision about the mortgage that will best suit your needs. Whether you’re purchasing a first home, subsequent home, a vacation home, or an investment property, I can provide you with numerous financing options for you to choose from. These commonly include VA, FHA, USDA Guaranteed Rural Housing, FHA 203K Renovation, and JUMBO loans to name a few.

11/03/2026

Searching for a house? The first word you see is what you’re REALLY looking for in your dream home!

NMLS # 1401188

11/02/2026

📣 If you are buying, selling, or refinancing a home later this year, the appraisal process is getting a major update. Appraisers will soon require much more specific documentation.

Want to ensure your upcoming transaction goes smoothly? Staying organized now prevents delays later! Send me a message today!
https://myoc.io/courtland

NMLS # 1401188

11/01/2026

Don’t forget to turn your clocks back! ⏰ Enjoy the extra hour of sleep and a little more time to settle into the fall season.

NMLS # 1401188

10/31/2026

Do you have leftover Halloween candy? 🎃🍬

We’re collecting leftover candy and donations at Southern Trust Mortgage for the Soldiers’ Angels Treats for Troops program! Feel free to stop by our office or one of our participating Southern Trust locations to donate.

Learn more about how you can help: southerntrust.com/treats-for-troops
https://myoc.io/courtland

NMLS # 1401188

10/29/2026

Before you start house hunting, start with the right questions. 🏡

A mortgage is about more than just the interest rate or purchase price. Understanding your budget, monthly payment and down payment options can help you shop with a clearer picture of what homeownership could look like.

Save these questions for your next conversation with a mortgage professional!

NMLS # 1401188

10/28/2026

🏢 CONDO FINANCING RULES HAVE CHANGED!

Previously, condo purchases with larger down payments could qualify for a limited or streamlined review allowing lenders to bypass some HOA requirements, including the annual budget review but that’s no longer an option.

The 10% reserve requirement isn’t new. What’s changed is that all condos must now undergo a full review, including the HOA budget.

⚠️ AND ANOTHER CHANGE IS COMING!

Starting January 4th 2027 the minimum annual reserve requirement increases from 10% to 15%, unless an eligible reserve-study alternative is used (these are not common).

Here’s a real example:

We recently closed on a second-home condo in downtown Wilmington with 40% down

Under the previous guidelines, this transaction would have qualified for a limited review. But under the new requirements, the HOA’s budget fell short of the 10% reserve, making it ineligible/non-warrantable for Fannie Mae/Freddie Mac.

Fortunately, we offer non-warrantable condo financing options that consider the association’s existing reserve balance and we got it CLOSED! 🔑🏡

Realtors: Just because a condo doesn’t qualify for standard conventional financing doesn’t mean it can’t be financed!

We can also review condo projects upfront, before your buyer goes under contract, to help identify potential financing issues early.

📲 Running into condo financing challenges? Give me a call. We may have another solution!

Courtland Parnell | NMLS #1401188
Southern Trust Mortgage

10/22/2026

Love the house, but it needs some work? That’s okay! That’s what a renovation loan is here for!

Say goodbye to the days of falling in love with your dream property just to be let down by an outdated interior – there are options! If a home has good bones, we could look into a Renovation Loan to create your dream space and have the cost combined with your mortgage payment!

Message me today to learn more about your options!

NMLS # 1401188

10/15/2026

Buying a home in the current market may feel like a challenge for many buyers, but it doesn’t need to be! There are so many options available that are tailored to your situation.

If you’d like to learn more about what options may work best for you, contact me!

NMLS # 1401188

10/08/2026

Being your own boss comes with plenty of perks, but getting a mortgage can sometimes feel a little more complicated.

The good news? Self-employed buyers have options!

From understanding how your income is calculated to knowing what documentation you’ll need, having the right mortgage professional in your corner can make the process easier.

Your built the business. Now we can work together to make home happen.

NMLS # 1401188

Address

1630 Military Cutoff Road #104
Wilmington, NC
28403

Telephone

+19106853390

Website

https://www.southerntrust.com/courtland-parnell/, http://www.nmlsconsumeraccess.org/

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