Satterwhite Financial
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You've come to the right place. We can take care of all your Raleigh & North Carolina home mortgage loans - we do the shopping for you, searching for programs from dozens of lenders to find the best match for your Mortgage Loans Raleigh needs. Whether it's your first home purchase, or refinancing the home you've owned for years; whether your credit is stellar or has a few problems, we'll offer a choice of programs to meet your needs.

You'll get all the benefits of today's "high tech" mortgage lending PLUS the personal attention that you deserve! Whether you live in Raleigh, Durham, Chapel Hill, or the surrounding areas, our team of mortgage loans Raleigh specialists will assist you through the entire loan process. Let us take the stress out of finding the right loan; we'll handle all the details from application to closing - call us today at (919) 788-8889.
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Satterwhite Financial is your local professional resource for North Carolina home lending.
Having serviced the triangle since 2000, our growth is due to the loyalty & support of our clients and customers.
Let us put our knowledge & experience to work for you!
Pre-Approval is free and easy!
Best lending experience ever.
I've worked with banks, credit unions, and other brokers for purchase and refi's many times and none were as easy and painless as my experience working with Steve for my recent home purchase.
We offer a full complement of programs for all credit situations, including the following Raleigh Home Loans.
Our guaranteed 24 hour response program is a break through in today's service industry.
We will get our representatives working for you quickly and all while you relax in the comfort of your home.
Our commitment to customer satisfaction is guaranteed to shine through during our loan process.
To learn more about our company please visit our Company Profile now.
We have provided several options for starting your new Raleigh home loan search below.
There are 3 main things banks look at when pre-qualifying a person to buy a home: debt to income ratios, credit scores and general credit & assets for down payment and reserves.
1. Debt to Income Ratios.
These are derived from your gross monthly income and the minimum monthly payments on your major accounts.
There are several key factors that go into calculating these ratios.
With regards to income they will look at what type of income you have.
Are you paid hourly, salary or commissioned.
Do you get bonuses or commissions on top of your salaries.
To properly analyze a Mortgage Program, the borrower needs to think about how long they plan to keep the loan.
If you plan to sell the house in a few years, an adjustable or balloon loan may make more sense.
If you plan to keep the house for a longer period, a fixed loan may be more suitable.
Shopping for a loan is very time consuming and frustrating.
With so many programs to choose from, each with different rates, points and fees, an experienced mortgage professional can evaluate a borrower's situation and recommend the most suitable Mortgage Program.
The Raleigh and surrounding areas mortgage application is the true start of the loan process and usually occurs between days one and five of the start of the loan process.
The borrower completes, with the aid of a mortgage professional, the application and provides all Required Documentation.
The various fees and closing cost estimates will have been discussed while examining the many Mortgage Programs and these costs will be verified by the Good Faith Estimate (GFE) and a Truth-In-Lending Statement (TIL) which the borrower will receive within three days of the submission of the application to the lender.
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