The Disclaimer

1. Acceptance of our Terms
By visiting the website, viewing, accessing or otherwise using any of the services or information created, collected, compiled or submitted to, you agree to be bound by the following Terms and Conditions of Service. If you do not want to be bound by our Terms your only option is not to visit, view or otherwise use the services of You understand, agree and acknowledge that these Terms constitute a legally binding agreement between you and and that your use of shall indicate your conclusive acceptance of this agreement.

2. Provision of Services
You agree and acknowledge that is entitled to modify, improve or discontinue any of its services at its sole discretion and without notice to you even if it may result in you being prevented from accessing any information contained in it. Furthermore, you agree and acknowledge that is entitled to provide services to you through subsidiaries or affiliated entities.

3. Proprietary Rights
You acknowledge and agree that may contain proprietary and confidential information including trademarks, service marks and patents protected by intellectual property laws and international intellectual property treaties. authorizes you to view and make a single copy of portions of its content for offline, personal, non-commercial use. Our content may not be sold, reproduced, or distributed without our written permission. Any third-party trademarks, service marks and logos are the property of their respective owners. Any further rights not specifically granted herein are reserved.

4. Submitted Content
When you submit content to you simultaneously grant an irrevocable, worldwide, royalty free license to publish, display, modify, distribute and syndicate your content worldwide. You confirm and warrant that you have the required authority to grant the above license to

5. Termination of Agreement
The Terms of this agreement will continue to apply in perpetuity until terminated by either party without notice at any time for any reason. Terms that are to continue in perpetuity shall be unaffected by the termination of this agreement.

6. Disclaimer of Warranties
You understand and agree that your use of is entirely at your own risk and that our services are provided “As Is” and “As Available”. does not make any express or implied warranties, endorsements or representations whatsoever as to the operation of the website, information, content, materials, or products. This shall include, but not be limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement, and warranties that access to or use of the service will be uninterrupted or error-free or that defects in the service will be corrected.

7. Limitation of Liability
You understand and agree that and any of its subsidiaries or affiliates shall in no event be liable for any direct, indirect, incidental, consequential, or exemplary damages. This shall include, but not be limited to damages for loss of profits, business interruption, business reputation or goodwill, loss of programs or information or other intangible loss arising out of the use of or the inability to use the service, or information, or any permanent or temporary cessation of such service or access to information, or the deletion or corruption of any content or information, or the failure to store any content or information. The above limitation shall apply whether or not has been advised of or should have been aware of the possibility of such damages. In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed the liability of is limited to the greatest extent permitted by law.

8. External Content may include hyperlinks to third-party content, advertising or websites. You acknowledge and agree that is not responsible for and does not endorse any advertising, products or resource available from such resources or websites.

9. Jurisdiction
You expressly understand and agree to submit to the personal and exclusive jurisdiction of the courts of the country, state, province or territory determined solely by to resolve any legal matter arising from this agreement or related to your use of If the court of law having jurisdiction, rules that any provision of the agreement is invalid, then that provision will be removed from the Terms and the remaining Terms will continue to be valid.

10. Entire Agreement
You understand and agree that the above Terms constitute the entire general agreement between you and You may be subject to additional Terms and conditions when you use, purchase or access other services, affiliate services or third-party content or material.

11. Changes to the Terms reserves the right to modify these Terms from time to time at our sole discretion and without any notice. Changes to our Terms become effective on the date they are posted and your continued use of after any changes to Terms will signify your agreement to be bound by them.

The mortgage market is ever changing, several years ago many changes went into effect that affected many people in qualifying for a loan.  Most of the changes that were implemented were needed, some made it so good quality clients could not purchase homes.  In the recent months there have been some changes that were good common sense decisions.

Fannie Mae and Freddie Mac will now allow debt to income up to 50% VS prior 45%

Appraisal valuations can hit on purchase loans so no appraisal needed in some cases

Possibility of 1 year tax returns for self-employed borrowers

A customer might not have to provide any income verification if there company reports to “The work number”

Student loans can now use a payment of “Zero” if they are on an income based payment plan

Jumbo loans up to 90% LTV

In the coming months the agencies will also be enhancing there “Day One Certainty” which will allow more clients to qualify and have a much more streamlined process to get  a mortgage!

Sales History & Footprint

Sales History & Footprint

Our team has deep knowledge and experience from Lake Norman, NC to Rock Hill, SC and everywhere in between. We have 6 state-of-the-art team offices.

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Testimonials Say It Best

Testimonials Say It Best

Thank You. We are very proud of our hard work, our achievements, and our incredible clients who make it all possible.

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charlotte at night

Award-Winning Team Roster

We are a family through and through. We love working together to achieve great things for our clients and great things together as a team.

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State of the Art Team Offices

State of the Art Team Offices

To provide the highest level of services, we utilize the newest technology and most state-of-the-art offices to support our team.

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