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Should I get Prequalified? When is an ARM better? Should I choose ARM or fixed rate? Do I need w-2 forms? What is a broker's responsibilities? Is my lease option a refinance?

Charlotte Home Loan Professionals

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STSFC is a local mortgage consultant and brokerage firm serving the Carolinas with professionalism and communication. We are able to work with clients from all situations and explain the best road to a home loan. We have helped hundreds of people acquire their pre-approval and walk away from renting and into home ownership for the first time.

Our programs, connections and open professioanl communication with clients has helped us to acquire great rates and low interest loands for clients in Huntersville, Charlotte, Mooresville, Concord, Matthews, Uptown, Rockhill, Lake Norman, Columbia SC and all surrounding regions of the Western Carolina.

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Is My Lease Option A Refinance?

Is My Lease Option A Refinance?

Very simply, your lease option will be a refinance transaction if you have made 12 monthly payments on the lease contract. If treated as a refinance, you have the opportunity to use the appraised value of the home in qualifying for the home. I higher appraised value than your lease option price means that you have an equity investment in the property which reduces risk in the eyes of a mortgage lender. if you have less that 12-months in the lease agreement, then the value of your home is capped at the purchase price detailed in the lease option agreement.

Is my lease option a refinance?

Charlotte Home Loan And Mortgage Tips

This and many other free tips on the Charlotte mortgage process and offering are compliments of Lee Sharpe of STS Financial Corporation.

STSFC is a Charlotte Mortgage and Home Loan firm located in beautiful Huntersville, NC providing professional services to the greater Carolinas. STSFC services areas such as Huntersville, Mooresville, Davidson, Lake Norman, Charlotte, University City, Matthews, Rock Hill and Concord North Carolina.

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