Here are a few of our most commonly asked mortgage questions., don’t see what you are looking for ?
What areas do you serve?
We are licensed in North Carolina, South Carolina and Virginis
Where are you located?
We are located in Western North Carolina. While our office is in Swannaoa we help clients everywhere including Asheville, Black Mountain, Old Fort, Marion, Morganton, Hickory, Charlotte, Monroe, Belmont, Gastonia, Lincolnton, Conover, Nebo, Stanley, Weaverville, Fairview, Waynesville, Arden, Forest City, Rutherfordton and so many more.
Do you offer FHA and First Time Home Buyer Loans?
Yes, we do offer both FHA and First Time Home buyer including many down payment assistance programs.
Do you offer VA Loans?
Yes, we offer VA or Veterans Affairs loans. These are a fantastic option for veterans and active-duty service members. We. also offer streamlined VA refinance loans
How often are mortgage rates changing?
Mortgage rates change daily, and often multiple times a day. There is no set schedule for when they change. Mortgage rates fluctuate based on several factors, including the overall state of the economy, inflation, and policies set by the Federal Reserve Board. While these external conditions are beyond your control, you can take charge of your credit score, which plays a crucial role in determining your interest rate.
Are you a large company like Rocket Mortgage, Movement Mortgage , Atlantic Bay Mortgage or Freedom Mortgage?
No, we are a small lender that has been around for over 40 years. We are local to the areas we serve and focus on every clients experience.
Do you have loans for manufactured homes?
YES! We have loans for modular homes as well as doublewide, and singleeide homes. . We have multiple loans types including construction loans, purchase and refinance options for manufactured homes.
Will I receive updates on my loan process?
At All Western Mortgage we put your financing needs first, making sure you are informed every step of the way and always knowledgeable on the status of your loan. Our mortgage professionals are always here to answer any questions you may have at any point of the lending process.
How hard is it to get a mortgage loan?
With expert advice and a wide range of mortgage options, we make home financing easy. and will be with you every step of the way. Whether you’re searching for a North Carolina mortgage loan, a South Carolina mortgage loan, or a Virginia mortgage loan, we are here to help you secure the best financing
Do you offer loans for Investors?
Yes, we have traditional and non-traditional, non QM mortgage products including DSCR program designed with investors in mind.