Grace Bass at Integrity Home Mortgage

Grace Bass at Integrity Home Mortgage Integrity Home Mortgage Corporation
NMLS ID # 208516, (www.nmlsconsumeraccess.org) IHMC #208516, LO NMLS # 117422

Integrity Home Mortgage has options available, whether the loan is for a primary residence, a vacation home or an invest...
03/24/2023

Integrity Home Mortgage has options available, whether the loan is for a primary residence, a vacation home or an investment property.

What Is a Condominium?
A condominium (or condo) is a privately owned individual residential unit situated within a community of other housing units—like a high-rise residential building, condo complex, or neighborhood of townhomes.

Condo buildings might have shared amenities, like outdoor space, a gym, a laundry room, and a pool, but condo owners only own (and are entitled to renovate) the space inside their individual unit.

What Is a Condotel?
A condotel is a condominium project that is operated as a hotel with a registration desk, cleaning service and more.

The units are typically individually owned. Unit owners also have the option to place their unit in the hotel's rental program where it is rented out like any other hotel room to paying guests.

Condotels are typically sold as secondary homes rather than as primary residences.

Ready to discuss your options?

Grace Bass
[email protected]
(910) 620-7382



Integrity Home Mortgage regularly takes steps to protect your personal, financial, and transaction related information. ...
03/23/2023

Integrity Home Mortgage regularly takes steps to protect your personal, financial, and transaction related information.

We partner only with experienced and well vetted service providers.

Mortgage wire fraud is something we work hard to avoid and not something we commonly see. However, we want to keep you informed so you can be vigilant, too.

Perpetrators of mortgage scams sometimes send spoofed emails or make calls requesting changes to the closing process. It’s not likely to happen, but if you receive an email or phone call requesting last minute changes for submitting closing funds, please be wary.

Do not take any action unless you receive verbal confirmation in a call you initiate to a professional you trust. Our goal is always to secure your home financing efficiently so you can move on to accomplishing your goals.

Any time you have questions about the process, please reach out.

Grace Bass
[email protected]
(910) 620-7382



03/23/2023

EFFECTIVE TODAY FOR FHA LOANS

FHA has reduced mortgage insurance premiums that will take effect TODAY - March 20, 2023.

How much money could you save with FHA's MIP Reduction?
Take a look!

Have questions? We'll lead the way.

Grace Bass
[email protected]
(910) 620-7382

**Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.



Integrity Home Mortgage has Jumbo Loans with lower out of pocket costs, making homeownership more affordable even with r...
03/21/2023

Integrity Home Mortgage has Jumbo Loans with lower out of pocket costs, making homeownership more affordable even with rising home prices.

In 2023, single-family mortgages higher than $726,200 are considered Jumbo Loans in most U.S. counties.

Program highlights include:
- Programs available with 10% down dependent on credit score and loan amount
- Loan amounts up to $3MM again dependent on credit score and loan to value
- Minimum credit scores starting at 660 and opening doors for buyer's with past credit events

To learn more, reach out and let's get you moving!

Grace Bass
[email protected]
(910) 620-7382



Who doesn't love Spring? The days grow longer, the temps get warmer, and everything is in bloom. The official arrival of...
03/20/2023

Who doesn't love Spring?

The days grow longer, the temps get warmer, and everything is in bloom.

The official arrival of Spring is traditionally the time when the greatest number of home buyers are shopping for new homes, too.

NOW is the time to prepare for your home buying journey.

Let's get started!

Grace Bass
[email protected]
(910) 620-7382



"May peace and plenty be the first to lift the latch to your door, and happiness be your guest today and evermore." ~Iri...
03/17/2023

"May peace and plenty be the first to lift the latch to your door,
and happiness be your guest today and evermore."

~Irish Blessing

What is an ITIN mortgage loan? ITIN loans are for borrowers who are not eligible for Social Security numbers. ITIN borro...
03/16/2023

What is an ITIN mortgage loan?

ITIN loans are for borrowers who are not eligible for Social Security numbers. ITIN borrowers are individuals with an ITIN who reside and work within the United States but do not possess U.S. citizenship or social security number.

Program Highlights
● Primary residence and second homes
● Available for purchase, cash-out, or rate-term refinance
● 20% Down payment for Primary Purchase and Rate Term Refi
● 75% Loan to Value (LTV) for Cash Out Refi
● Loans up to $1MM, minimum loan $100,000
● Max cash out $500,000
● 12 month housing history required

**Underwriting Guidelines are subject to change without notice**

Grace Bass
[email protected]
(910) 620-7382


We're often asked if a home inspection is required. The answer is usually no, but that doesn't mean you shouldn't have o...
03/15/2023

We're often asked if a home inspection is required. The answer is usually no, but that doesn't mean you shouldn't have one done.

You're making a large investment. Having a professional inspector alert you to potential problems can save money and surprises in the long run.

There are other reasons to have a home inspection, too.

If the appraiser sees an apparent deficiency in the condition of the home, an underwriter may ask to see the related section of the home inspection (sometimes called the engineer's report). In this instance, having secured an inspection up front can save you valuable time.

Additionally, identifying problems early in the process may mean the seller will remedy them prior to sale.

Purchasing a home with the assurance of good condition—or at the least the knowledge of any potential issues—makes for more accurate pricing and cost expectations. Both of these are clearly to your benefit. By comparison, the cost of an inspection is small.

Reach out when you have questions or need referrals to qualified professionals.

Grace Bass
[email protected]
(910) 620-7382



Have you downloaded our mobile app, Integrity Connect? At IHMC, we utilize our technology and Day 1 Certainty to prequal...
03/14/2023

Have you downloaded our mobile app, Integrity Connect?

At IHMC, we utilize our technology and Day 1 Certainty to prequalify our borrowers faster and with less documentation.

Day 1 Certainty is Fannie Mae’s initiative to use automation for financial documents instead of requiring borrowers to submit hard copies.

This may allow us to prequalify and close your loan quickly and efficiently. Not all borrowers will qualify for Day 1 Certainty.

It's safe and secure!

If you, the Applicant, give us authorization, we utilize a third-party automated system to verify your income. When your income is approved for Day 1 Certainty, we can determine the amount of mortgage you may qualify for immediately, and we may be able to close your loan without needing copies of paystubs, W-2s, or tax returns. This means less paperwork for you and a faster, more efficient closing.

Let's get started!

**Available for conventional loans only.**

Grace Bass
[email protected]
(910) 620-7382




HOME 100 is a loan program designed to assist individuals and families with the dream of homeownership without having to...
03/10/2023

HOME 100 is a loan program designed to assist individuals and families with the dream of homeownership without having to break the bank.

Program Highlights:
· 100% Financing
· Purchase Only
· Owner occupied single family, PUD or Townhomes
· NO Income Limits
· $500,000 max loan amount
· Gift funds or seller concessions allowed
· 15 or 20 year fixed or 7/1 ARM (Adjustable Rate Mortgage); Fixed for the 1st 7 years with up to a 30 year amortization.

Let's get started!

Grace Bass
[email protected]
(910) 620-7382

*Guidelines are subject to change at anytime and without notices.



Winter gives way to Spring, and with a new season set to sprout, you may be thinking about purchasing a new home! Questi...
03/09/2023

Winter gives way to Spring, and with a new season set to sprout, you may be thinking about purchasing a new home!

Question: "Where do I start?"
Answer: "With one of our more than 70 Loan Originators!"

For more about our Team and which states we serve, check out our website: https://ihmcloans.com/team-directory/

Spring is right around the corner, let's plan!

Grace Bass
[email protected]
(910) 620-7382



Address

226 N Front Street, Suite 4
Wilmington, NC
28401

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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