Charlie Shelton - TowneBank Mortgage

06/07/2026

Deciding how soon you can sell a house after buying it is a major decision influenced by financial, personal, and market-driven factors. One of the most important questions to consider is: How long should you live in a house before selling? Financially, most experts recommend staying in your home for at least five years to build equity and offset transaction costs. However, there is no one-size-fits-all solution to this question.

Learn how long you should live in your home before selling and how soon you can sell a house after buying it, with tips on equity and taxes.

06/06/2026

Can you buy a house before your divorce is final? Learn the legal and financial steps to take before purchasing during a divorce.

Can I buy a house before divorce is final? Learn the rules, risks, and tips for buying a home during a divorce and how state laws may affect you.

06/05/2026

PMI insurance protects lenders—not borrowers—but it’s often required if you put down less than 20%. Learn how PMI works, costs, and how to remove it.

PMI insurance protects lenders and it’s often required if you put down less than 20%. Learn how PMI works, costs, and how to remove it.

06/04/2026

New for Investors! Our 2x Construction Loan now supports investment properties — giving you more control and flexibility as you build your real estate portfolio.

With interest-only payments during construction, no mortgage insurance, and the ability to requalify for better terms after the build, this two-phase loan structure is designed for smart, strategic growth.

Please reach out to me for more information! Let’s build your investment future together.

06/03/2026

As a local lender, we work with experienced local appraisers and proactively manage the entire appraisal process. This ensures accurate valuations and keeps your closing on track!

Why it matters: Local knowledge + proactive management = a protected timeline to your new home.

Ready for a streamlined experience? Reach out today.

06/02/2026

If you're a self-employed professional, freelancer, or small business owner, you know traditional loans don't always get it. That's why we're excited to offer the 12-Month P&L Loan Program!

No more struggling with tax return limitations. We qualify you based on your business's Profit & Loss statement for the last 12 months.

This means for YOU: ✅ Easier income verification ✅ Access to homeownership ✅ A loan that understands your success!

Ready for an "outside the box" mortgage?

Contact me today!

06/01/2026

As a trusted, local lender, I work with you to take the guesswork out of financing by thoroughly reviewing your financials and down payment sources early.

This means no surprises and a truly qualified buyer for a confident closing.

Work with me for clear, verified financing.

05/31/2026

Starting over in a new city is exciting, but finding the right place to call home takes a little planning.

From getting to know local neighborhoods to understanding how a new market may affect your budget and timeline, being informed can make the transition smoother and less stressful.

Whether you’re relocating for work, family, or a fresh start, having the right guidance can help you feel confident every step of the way.

Thinking about a move? Contact me to talk through your homebuying options in a new city.

05/30/2026

Your wedding is more than a celebration, it’s a step toward your future, and for many couples, that future includes a home.

Today’s registries are evolving, with more couples choosing to fund long‑term goals like a down payment instead of traditional gifts. Even small contributions can help move you closer to homeownership and reduce upfront costs.

If you’re planning your next chapter, it may be worth thinking beyond the registry, and toward your future home. Let’s talk through your options together.

05/29/2026

Getting your home ready for summer doesn’t have to be overwhelming, small steps now can make a big difference all season long.

From servicing your cooling system to refreshing indoor spaces and prepping your outdoor areas, a little maintenance now can help you stay comfortable and avoid surprises later.

Start simple, stay ahead, and enjoy everything summer at home has to offer. Need help planning your next step? Let’s talk.