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Mortgage rates continue to fall! Contact us today for a no obligation quote to see if a refinance is right for you!

Click below to start the process.

carolinamortgageadvisors.com/contact

2 months ago | [YT] | 0

Built by Brokers

Mortgage Market Update – August 26, 2025 🏡

📉 Mortgage rates dipped slightly today, creating fresh opportunities for buyers and homeowners considering refinancing! With inventory increasing and homes spending more time on the market, savvy buyers may find more negotiating power right now.

Here’s where today’s average rates stand:
• 30-Year Fixed: 6.375% (APR ~ 6.58%)
• 15-Year Fixed: 5.50% (APR ~ 5.72%)
• 20-Year Fixed: 6.125% (APR ~ 6.41%)
• FHA 30-Year: 6.00% (APR ~ 6.70%)
• VA 30-Year: 6.125% (APR ~ 6.43%)
• 7-Year ARM: 6.85% (APR ~ 7.12%)

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🏠 What This Means for You

Mortgage rates remain near their lowest levels of 2025, giving buyers and refinancers a chance to secure better terms. If you’ve been waiting for the right moment, this could be it — especially before potential Fed decisions later this year that could affect rates.

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📊 Market Insights
• Home sales are cooling: New home sales fell 0.6% in July to an annualized 652,000 units, a sign that affordability challenges persist.
• ARMs on the rise: Adjustable-rate mortgages are gaining traction among buyers hoping for future rate drops — but fixed rates may offer more stability if rates rise again.
• Economic uncertainty: The Federal Reserve faces pressure balancing housing market weakness with tech-sector growth, leaving mortgage rate projections uncertain going into fall.

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💡 Pro Tip from Built By Brokers
• Get pre-approved early to know exactly what you qualify for.
• Explore all options — FHA, VA, Conventional, ARM, and Jumbo.
• If you’re considering refinancing, a slight dip in rates can make a big difference in monthly payments.
• Working with an experienced broker can help you secure the best deal in today’s market.

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📞 Let’s Connect

If you’re ready to buy, refinance, or simply explore your options, our team at Carolina Mortgage Advisors can guide you through the process. Let us find the best loan program for your unique situation!

📧 Email: amanda@carolinamortgageadvisors.com
📱 Call/Text: 919-349-5880
🌐 Website: www.carolinamortgageadvisors.com

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⚠️ Disclaimer

Rates shown reflect average market rates as of August 26, 2025 and are subject to change at any time. Your actual rate may vary based on credit score, down payment, loan-to-value (LTV), and specific loan details. Contact us today for a personalized quote.

Equal Housing Opportunity 🏠
Carolina Mortgage Advisors – NMLS #2600849
Mike Alberico – NMLS #938749
Alec Conrad – NMLS #1646891

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#MortgageMarketUpdate #MortgageRatesToday #BuiltByBrokers #MortgageTips #MortgageBroker #HomeLoans #MortgageNews #RealEstateMarket #RefinanceNow #HomeLoanExperts #MortgagePlanning #FirstTimeHomeBuyer #MortgageAdvice #LoanOptions #MortgageSolutions #HomeFinancing #MortgageSpecialists #BuyAHome #RealEstateExperts #DreamHomeJourney #HouseHunting #YourMortgageExperts #RefinanceYourHome #HomeOwnershipGoals #MortgageRateUpdate #MortgageHelp #RealEstateTips #FinanceYourHome #MarketUpdate

4 months ago | [YT] | 0

Built by Brokers

Mortgage rates are slipping again — and this could be your chance to act.
⁠
This marks the second week of rate drops, and while we're still hovering above pandemic-era lows, it’s a welcome shift for homebuyers and refinancers.
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🏡 Buyers, take note:
Redfin reports price drops in 14 of the 50 largest U.S. metros. That means more negotiating power and less competition in key markets.
⁠
⚠️ But caution if you're in an FHA loan:
Nearly 40% of FHA borrowers are missing payments — a sign of growing financial pressure. If you're unsure where you stand, we can help you strategize.
⁠
📊 Whether you're thinking about buying, refinancing, or just want to understand your options, we're here to break it all down. No fluff. Just facts.
⁠
—
📞 Reach out to our expert team:
Mike Alberico – 910-512-0009 | mike@carolinamortgageadvisors.com
Alec Conrad – 704-314-8967 | alec@carolinamortgageadvisors.com
⁠
🌐 www.carolinamortgageadvisors.com
⁠
Follow 👉 @BuiltByBrokers for your weekly, no-nonsense mortgage updates.

#MortgageUpdate #BuiltByBrokers #HomeLoans #MortgageRates #FirstTimeBuyer #Refinance #RealEstateTips #HomeBuyingJourney #MortgageBroker #MarketUpdate #InterestRates #HomeBuyers

5 months ago (edited) | [YT] | 2

Built by Brokers

🏡 Mortgage Market Update – August 4, 2025
Let’s take a look at what’s happening in the housing and mortgage space this week:

📊 Rates Hold Steady—For Now
Mortgage rates are holding in the upper 6% range, with minimal movement from last week.

Shorter-term fixed options still offer slightly lower rates, but the spread remains tight.

ARMs continue to provide limited value, keeping fixed-rate products in higher demand.

🏠 Market Shifts Favor Buyers
The median home price remains elevated at $435K+, but buyer leverage is improving.

Homes are sitting longer, and price cuts are becoming more common.

Inventory is up over 16% year-over-year, giving buyers more room to negotiate.

🏛️ Eyes on the Fed
The Federal Reserve is not expected to change rates until at least September.

Stable policy means lending conditions will likely remain consistent through late summer.

Future rate drops are still projected, but will hinge on inflation cooling further.

📈 Credit Access Expanding
VantageScore 4.0 is now accepted by Fannie Mae and Freddie Mac.

This broadens access for buyers with limited or alternative credit histories, especially younger or first-time homebuyers.

#MortgageUpdate #RealEstateNews #InterestRates #MortgageRates #HousingMarket #HomeBuyers #HomeSellers #RealEstateTips #MarketUpdate #HomeOwnership #MortgageBroker #HomeFinancing #HomeLoans #RealEstateTrends #HouseHunting #FedWatch #RateLock #VantageScore #FannieMae #FreddieMac #InflationWatch #CreditAccess #BuyersMarket #HomeBuying2025 #MortgageMonday #HousingInventory #SellerTips #MortgageExpert #BuiltByBrokers #CarolinaMortgageAdvisors

5 months ago | [YT] | 2

Built by Brokers

🏡 Mortgage Market Update – July 28, 2025

• Fixed mortgage rates continue trending higher this week, hovering in the upper 6s, depending on loan type and borrower profile.

• Shorter-term fixed options remain somewhat lower than longer-term options but have seen only minimal movement.

• Adjustable-rate products currently offer little pricing benefit compared to traditional fixed options.

• Home prices recently reached a new high nationally—over $435K median—though purchase activity has slowed, and homes are staying on the market longer.

• Inventory is rising (~16% increase year-over-year), and more price adjustments are being seen—buyers are gaining negotiating power.

• The Federal Reserve is not expected to adjust policy until at least September, keeping financing conditions steady for now.

• New credit scoring models like VantageScore 4.0 are now accepted by Fannie Mae and Freddie Mac—opening doors for millions who previously struggled to qualify.

• Forecasts suggest rate improvements may begin later in the year, though gradual and dependent on inflation.

5 months ago | [YT] | 1

Built by Brokers

🏡 What’s New in the Mortgage World – July 2025

The mortgage landscape continues to evolve — and staying informed is key. Here’s what’s happening right now:

🔹 Affordability & Access
Housing affordability remains a challenge for many across the U.S. In response, governments and lenders in various countries (like the U.K.) are introducing initiatives to expand access to homeownership — especially for first-time buyers. While these programs aren’t available here, they signal a global push toward making homebuying more attainable.

🔹 Insurance Pressures
In some parts of the country, rising homeowners insurance premiums are creating unexpected hurdles for buyers and current homeowners alike. These increases can influence overall affordability and impact loan qualification.

🔹 Market Stability with a Twist
The market isn’t shifting as drastically as last year, but there are still plenty of moving parts — from property values to new lending guidelines. Whether you’re buying your first home, investing, or refinancing, the key is personalized strategy.

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📣 Built by Brokers Tip:
Working with a broker gives you access to multiple lenders and options — not just one bank’s perspective. We advocate for your goals, navigate market conditions, and ensure you’re equipped to make smart financial moves.

💬 Ready to talk through your options? Let’s chat. No pressure, just perspective.

#BuiltByBrokers #HomeownershipGoals #MortgageEducation #CarolinaMortgageAdvisors #NCRealEstate #BrokerAdvantage #MortgageTips #MortgageStrategy

5 months ago | [YT] | 2

Built by Brokers

Baseball games and helping our clients, it’s the CMA way!

5 months ago | [YT] | 1

Built by Brokers

🔹 Built by Brokers
A no-BS channel for mortgage professionals, realtors, and entrepreneurs ready to win big. Mike and Alec share their journey scaling a modern brokerage — from lead generation to mindset, from operations to exit strategy. If you want to build a legacy without burning out, you’re in the right place.

6 months ago | [YT] | 0

Built by Brokers

5 Key Factors to Consider When Refinancing Your Mortgage

1. Thinking about refinancing your mortgage? Here are five essential factors to consider before you proceed:
Credit Score: A higher credit score can qualify you for better interest rates, making refinancing more beneficial. It's worth checking your score and improving it if possible before applying.
2. Debt-to-Income (DTI) Ratio: A lower DTI ratio increases your chances of approval and can secure you more favorable loan terms. Lenders prefer borrowers with manageable debt levels.
3. Home Equity: The more equity you have in your home, the better your refinancing options. Higher equity might also help you avoid Private Mortgage Insurance (PMI).
4. Closing Costs: Refinancing comes with closing costs, which can be significant. Weigh these costs against the potential savings to ensure refinancing is worth it.
5. Loan Type & Term: Decide between a fixed or adjustable-rate mortgage and consider the length of the loan. Both factors will impact your interest rate and monthly payment amounts.

By carefully considering these factors, you can make an informed decision and maximize the benefits of refinancing your mortgage.

6 months ago | [YT] | 0

Built by Brokers

📈 Multiple offers are back in the Raleigh market! 🏡 If you’re thinking about buying, it’s time to get pre-approved and have a game plan. Let’s make your offer the winning one 💪 #RaleighRealEstate #MultipleOffers #HomeBuyingTips #CarolinaMortgageAdvisors

6 months ago | [YT] | 0