Courtney Allee, Mortgage Loan Officer NMLS 2539107

Courtney Allee, Mortgage Loan Officer NMLS 2539107 Mortgage Loan Officer NMLS 2539107 with ONE Presidential Mortgage

With a diverse background in real estate, insurance, and lending, Courtney Allee brings a well-rounded perspective to the homebuying process. Originally licensed as a Realtor in Louisiana in 2004, she later transitioned into property and casualty insurance before returning to real estate in North Carolina in 2021. In 2023, she expanded her expertise by becoming a Mortgage Loan Officer, combining her knowledge to better serve her clients. Courtney has a deep passion for helping first-time homebuyers navigate their journey to homeownership. She understands the excitement, challenges, and importance of finding the right loan, making her a trusted guide through the process. Veterans also hold a special place in her heart, as her 21-year-old son has been proudly serving in the military since he was 17. At home, Courtney and her husband stay busy raising their four boys and keeping up with their lovable pack of doodles and a basset hound. When she’s not working, you’ll likely find her soaking up the sun at the beach or relaxing by the pool, enjoying the simple joys of life. As part of ONE Presidential Mortgage, Courtney is dedicated to making the mortgage process smooth, stress-free, and rewarding for every client she serves.

👮‍♂️👩‍🚒👩‍🏫 New York police officers, firefighters and teachers—put this one on your radar!We’re preparing to add SONYMA ...
09/09/2026

👮‍♂️👩‍🚒👩‍🏫 New York police officers, firefighters and teachers—put this one on your radar!

We’re preparing to add SONYMA (State of New York Mortgage Agency) to our mortgage offerings for eligible New York buyers.

The program may offer:

🏡 Down payments as low as 3%
💰 Down payment assistance options
📉 Competitive fixed interest rates
🔒 Extended rate locks
📋 Flexible qualifying guidelines

For eligible first-time homebuyers, SONYMA offers programs designed to make homeownership more attainable—including Achieving the Dream, which offers SONYMA’s lowest available interest rates.

If you’re ready to explore your homebuying options, let’s talk.

09/08/2026

Purchase applications rose 2% last week, and more buyers are exploring adjustable-rate options. The fixed year loan is the default, not the only answer. If you're not planning to stay 30 years, it's worth asking whether a different structure fits better. Want to compare?

Happy Labor Day! Today, we recognize the hard work and dedication that help make homeownership possible. We hope you enj...
09/07/2026

Happy Labor Day! Today, we recognize the hard work and dedication that help make homeownership possible. We hope you enjoy a well-deserved day of rest, relaxation, and time spent at home with those who matter most. 🏡

09/01/2026

🏡 Who’s buying homes right now? More young buyers than you might think.

Gen Z and Millennials are becoming an increasingly important part of the purchase market, and they’re approaching homeownership differently than generations before them.

The latest data shows younger buyers are:
📈 Taking a larger share of purchase activity
💰 Using a mix of savings and other resources for down payments
🏦 Utilizing programs like FHA
📋 Looking closely at financing strategies to make the numbers work

Meanwhile, the broader market is showing more inventory and additional negotiating opportunities, creating a different environment for buyers and sellers.

So what does it all mean? Financing strategy matters.

Take a look at this month’s infographic for the numbers behind the trends.

08/31/2026

👀 Buyers: It may be time to look a little closer at homes that have been sitting.

More inventory and slower buyer activity are creating opportunities in parts of the market. In fact, active listings recently climbed to more than 1.5 million, while pending sales fell to their lowest level since February.

That home you passed on a few weeks ago? It might be worth another look.

Depending on the seller and property, you may have room to negotiate for:

💰 A lower purchase price
🏡 Seller-paid closing costs
📉 A mortgage rate buydown
🔨 Repairs or other concessions

More inventory doesn't automatically mean lower prices—but it can mean more choices and more negotiating power.

08/27/2026

🎥 Mortgage Myth: There isn't a "best" loan—only the best loan for your goals.

A fixed-rate mortgage offers predictable monthly payments, while an ARM may provide a lower initial rate depending on your plans.

Check out this quick breakdown, and if you're unsure which direction to go, let's talk through your options together. Your home financing should fit your life—not the other way around. 🏠

Think your debt-to-income (DTI) ratio is too high to qualify for a mortgage? Think again. 🏡📊 While many lenders cap DTI ...
08/26/2026

Think your debt-to-income (DTI) ratio is too high to qualify for a mortgage? Think again. 🏡📊 While many lenders cap DTI at 43%, we have loan programs that may allow for higher ratios for qualified borrowers. Every financial situation is unique, and the right loan solution could be closer than you think. 📲Reach out today to explore your options!

08/24/2026

🏡 Mortgage qualifying just got a little more flexible for some borrowers.

Freddie Mac has expanded its Accumulated Assets as Income guidelines, an important update for borrowers whose financial strength may be tied more to their assets than a traditional paycheck.

Think about someone who has built significant wealth through investments, retirement accounts or other eligible assets but has a lower or less predictable monthly income. Previously, that financial picture might not have translated as favorably when qualifying for a mortgage.

With the updated guidelines, Freddie Mac has:

🔹 Removed the minimum age requirement
🔹 Improved the asset calculation
🔹 Expanded certain LTV and property eligibility

It’s a good reminder that income isn't always the whole story when it comes to mortgage qualification.

If you have substantial assets and are considering buying a home, let's chat!

🔑 Investing in real estate doesn't always require a large down payment.With our 10% Down No MI Investment Property Loan,...
08/19/2026

🔑 Investing in real estate doesn't always require a large down payment.

With our 10% Down No MI Investment Property Loan, qualified borrowers can purchase investment properties while preserving more capital for renovations, reserves, or future investments.

Designed for today's investors, this program offers:
🏡 Financing for 1–4 unit investment properties
💰 Only 10% down
🚫 No mortgage insurance
📈 Loan amounts up to $1.5 million
🏢 LLC vesting allowed
✨ Flexible options for investors with multiple financed properties

If you're ready to take the next step in building your investment portfolio, let's talk about your financing options today.

08/18/2026

The market is getting a little busier. 👀

Mortgage applications increased 3.6% last week, while refinance applications climbed 5%. That tells us more people are taking a closer look at what today’s market could mean for them.

Whether you're thinking about buying, refinancing, or simply planning ahead, knowing where you stand puts you in a stronger position to act.

📲 Want to see what your options could look like? Let’s connect.

Address

1213 Culbreth Drive Suite 126
Wilmington, NC
28405

Telephone

+13379124572

Website

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