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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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The Right Amount Of Creditors

“The right amount of creditors”- You can quickly grasp the impact of this first factor by putting yourself in the shoes of the people you wanted to borrow money from. If you had money to lend to a friend, would you choose to lend to the friend that has no bills to pay (other than you), or would you choose to lend to your other friend who has a new car, a new boat, a house, 6 credit cards, a student loan, and owes money to every department store in the mall? Having too many bills to pay each month begins to hurt your credit at a certain point however having no bills can be equally as bad (See factor #3). Ideally your should have between 3 and 5 revolving credit accounts- these are credit cards, checking account overdraft, department store accounts, etc. In addition, it is good to have 1-3 installment accounts- auto loans, student loans, and the like. The credit scoring system recognizes these as large ticket items, and understands that most people cannot pay cash for such things. Two to four mortgages are also acceptable for the same reasons, yet they are treated slightly different than installment loans as they are the largest responsibility that most people take on.

The Right Amount Of Creditors

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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