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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 8am - 5pm Sunday 8am - 10pm

Brian Mitchell at Integrity Home Mortgage Corporation

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Wilmington, NC
Brian Mitchell at Integrity Home Mortgage Corporation

Brian Mitchell Area Manager, NMLS 119622 • Integrity Home Mortgage Corporation | NMLS 208516

https://linktr.ee/brianmitchellatintegrity Brian E.

Mitchell
Mortgage Loan Originator
NMLS 119622

09/19/2023

Tip Tuesday!

Selling a home in the fall can be a fun and exciting experience!

The weather is cooling down and many homeowners take that opportunity to decorate their home to appeal to the masses.

Whether it is autumn decorations on a front porch or themed place settings in the dining room, buyers will get a quick glimpse of what each property can look like if they decide to purchase the home.

A few Fall-themed throw pillows on the couch and some cinnamon potpourri can make all the difference!

Brian Mitchell
[email protected]
(910) 617-2147

09/18/2023

It’s never too late to set another goal!

Anyone from any age can turn their dream into a reality - it just takes courage and dedication.

Nothing can stop those who are determined enough. It’s all about the mindset. Remember, you become what you focus on.

Maybe your goal is homeownership?

Take the proper steps and chip away at that goal! And, as always, we're here to help in your journey.

Brian Mitchell
[email protected]
(910) 617-2147

09/15/2023

Fall is just around the corner!

It's time to get your house in shape for the cooler months ahead.

Although autumn can be one of the busiest seasons for homeowners preparing for winter, it’s also the best time to take advantage of the moderate weather to repair any damages before the first frost sets in.

Here are just a few tips on how to get your home ready for Fall:

- Clean your gutter
- Seal up any air leaks
- Inspect your roof
- Protect faucets from freezing temps
- Replace your furnace filter

For more tips, visit here:
https://www.bhg.com/home-improvement/advice/your-homes-fall-checklist/

Brian Mitchell
[email protected]
(910) 617-2147

09/14/2023

"Life isn't waiting for the storm to pass. It's about learning how to dance in the rain." ~ Vivian Greene

Buying a house is a long-term investment, so don't get hung up on the current rates as there are a variety of programs to help combat the current market.

The most important thing to consider is finding your dream house that you can call home today.

There is always the possibility of refinancing later to get a more favorable rate, so don't put your life on hold waiting out the storm. Move forward now because your dream home may not be there tomorrow.

Please note by refinancing an existing loan, the total finance charges may be higher over the life of the loan.

Brian Mitchell
[email protected]
(910) 617-2147

09/12/2023

Hurricane season officially runs from June through November.

Make certain that your insurance is up-to-date and comprehensive. Your insurance policy will need to be updated if you have changed, added, or removed anything structurally about your home.

Make or update an inventory of all contents of your home and store it either online or otherwise outside your home. Ensure that your contents coverage is adequate to pay to replace any and all belongings.

Also, standard homeowner’s insurance does not cover flood insurance.

You can be prepared in the event of a hurricane with these top tips:

- Have enough supplies for your household, including medication, disinfectant supplies, batteries, bottled water, non-perishable foods, flashlights, candles, and pet supplies
- Make sure to know your local evacuation zone
- Make sure your personal information, like ID, are current
- Discuss your emergency plan with everyone in your household

For additional information, visit this website: https://community.fema.gov/ProtectiveActions/s/article/Hurricane

Brian Mitchell
[email protected]
(910) 617-2147

09/11/2023

We will never forget.

September 11, 2001

09/08/2023

Are you worried about rising mortgage interest rates? You’re not alone.

One thing that is for sure about interest rates, if you are renting the interest rate is 100%.

If you find the perfect house, don’t let rising rates scare you from turning your dream into a reality.

At Integrity Home Mortgage, we'll match you with the perfect loan program for your needs!

Let's get you started!

Brian Mitchell
[email protected]
(910) 617-2147

09/06/2023

When you apply for a mortgage, you can expect to be asked about your income, the debts you owe, and the assets you own.

What’s an asset?

In the broadest sense, a financial asset is anything you own that has monetary value and can be turned into cash. But all assets are not created equal when it comes to borrowing money.

We'll want to be sure all the information on your application is correct, so you should be prepared to provide asset statements to support everything you’ve listed.

Documents you may be asked for include:

- Bank Statements
- Gift Letters
- Retirement and Investment Account Statements

Verifying your assets is a vital part of getting approved for a mortgage. As you prepare to start your home buying journey, make sure your finances are in order and create a list of every asset statement you’ll need to compile ahead of time.

The more organized you are, the smoother the process will be.

Ready to get started?

Brian Mitchell
[email protected]
(910) 617-2147

09/05/2023

Why should you avoid large cash deposits during the mortgage process?

While it's exciting to see a large amount of cash deposited into your bank account, it can lead the underwriter to deny your mortgage unless you can prove the deposit is legitimate and the funds can be sufficiently documented.

This includes Venmo, Zelle, and other cash apps due to it being difficult to trail and properly source.

Questions about what is or isn't acceptable? Let's connect!

Brian Mitchell
[email protected]
(910) 617-2147

09/04/2023

Labor Day is a day we dedicate to our constant go-getters and valuable hard workers.

We reflect on our journey and celebrate the contributions of our working nation and the resilience of American workers.

As we rest and reset for the rest of the year, seek happiness in a job well done!

Happy Labor Day!

09/01/2023

MORTGAGE MYTHS BUSTED

Is RENTING cheaper than BUYING?

Depending on the housing market, renting may be cheaper than buying in the short term. However, it isn't necessarily the best financial decision in the long run.

When you own your home, your monthly mortgage payments may have the potential to build equity, which you may access through various avenues to assist with current and future finances. When you decide to move, you may profit from potential proceeds from the sale of your home. When you rent, your money goes to your landlord and you don't see any return on your investment.

In addition, while rents can rise significantly from year to year, if you have a fixed-rate mortgage, your monthly principal and interest payment* will stay the same. Owing a home may also provide tax deductions for mortgage interest paid, please consult with your tax advisor.

If you're on the fence about buying, let's connect! And, of course, you're under no obligation to find out where you stand financially.

Brian Mitchell
[email protected]
(910) 617-2147

*Monthly mortgage payments could still increase due to increase in property taxes, insurance, etc. expenses. Integrity Home Mortgage Corporation (IHMC) and its loan officers are not tax experts or financial advisors, please consult a tax professional and/or a financial advisor regarding the deductibility of interest and charges and to devise a strategy that works best for your situation.

08/30/2023

Running a business can be hard - getting a mortgage shouldn't be!

Bank Statement mortgage program is the perfect option for self-employed
borrowers who need an alternative method to show the true cash flow of their business.

No tax returns required for credit worthy self-employed homebuyers!

Program Highlights
● 90% LTV Purchase and Rate Term
● 80% LTV Investment Property
● 75% LTV Cash Out Refinance
● NO PMI
● NO Tax Returns required
● 30 year fixed, 40 year fixed interest only and Adjustable Rate Mortgage with interest only
● 24 months personal or business bank statements depending on loan amount
● 6 - 12 months reserves depending on loan amount
● 15 Acres max | 2 for investment properties
● Purchase and cash-out or rate-term refinance
● Owner occupied, second homes, and investment properties
● Gift funds allowed with 5% of borrower’s own funds.

Let the Bank Statement loan program work for you!

Brian Mitchell
[email protected]
(910) 617-2147

Address

226 N. Front Street
Wilmington, NC
28401

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	8am - 5pm
Sunday	8am - 10pm

Website

https://ihmcloans.com/brian-mitchell/, https://linktr.ee/brianmitchellatintegrity

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