| All rights reserved to Belinda Schultz. NC License #215478. Copyright 2008 |
Mortgage Application Process
I would like to offer some personal advice on shopping for mortgages! Many times
shopping only for the best rates will not find a lender who offers good service. Often
times those good advertised rates do not include extra fees and charges that could
cost you thousands of dollars to close the loan. All loan originators and brokers
must be licensed by the State of North Carolina if they are processing a loan that
will be secured by real estate located within the state. There are some banks and
lenders that have been issued exemptions. You can check the license status on the
North Carolina Commissioner of Banking website. Instead of shopping online, I
would encourage you to pick up the phone and call one of the agents listed below.
Good personal service can guide you through the complicated process of mortgage
application.
FYI - It is a violation of law for me to accept any form of payment for referrals to a
lender! I only do this because the use of a competent mortgage broker is absolutely
crucial to the sale or purchase of a home. More sales fallthrough because of lender
issues than any other reason!
Cindy Tolster - VA Mortgage/1st Mariner Bank
Office: 252-444-5959 Toll Free: 1-800-352-1153 Fax: 252-444-5955
mailto:ctolster@1stmarinerbank.com
Sherrie Ferraro - Wachovia Mortgage Corp.
Office: 252-808-2475 Toll Free: 800-724-2077 Cell: 252-241-9749
mailto:sherrie.ferraro@wachovia.com
Michelle Gregory - Fidelity & Trust
Office: 252-247-7703 Toll Free: 800-825-1161 Cell: 252-422-6369
mailto:mgregory@fidelityandtrust.com
www.fidelityandtrust.com
John Dunn - First Flight Federal Credit Union
1208 E. Main St., Havelock, NC
Office: 252-463-1726
mailto:dunnj@firstflightfcu.org
Marine Federal Credit Union
1500 E Main St., Havelock, NC
For mortgage application contact the Jacksonville office at:
910-355-5627 ext. 5627
or toll free: 1-800-225-3967 ext. 5627
www.marinefederal.org
I would like to offer some personal advice on shopping for mortgages! Many times
shopping only for the best rates will not find a lender who offers good service. Often
times those good advertised rates do not include extra fees and charges that could
cost you thousands of dollars to close the loan. All loan originators and brokers
must be licensed by the State of North Carolina if they are processing a loan that
will be secured by real estate located within the state. There are some banks and
lenders that have been issued exemptions. You can check the license status on the
North Carolina Commissioner of Banking website. Instead of shopping online, I
would encourage you to pick up the phone and call one of the agents listed below.
Good personal service can guide you through the complicated process of mortgage
application.
FYI - It is a violation of law for me to accept any form of payment for referrals to a
lender! I only do this because the use of a competent mortgage broker is absolutely
crucial to the sale or purchase of a home. More sales fallthrough because of lender
issues than any other reason!
Cindy Tolster - VA Mortgage/1st Mariner Bank
Office: 252-444-5959 Toll Free: 1-800-352-1153 Fax: 252-444-5955
mailto:ctolster@1stmarinerbank.com
Sherrie Ferraro - Wachovia Mortgage Corp.
Office: 252-808-2475 Toll Free: 800-724-2077 Cell: 252-241-9749
mailto:sherrie.ferraro@wachovia.com
Michelle Gregory - Fidelity & Trust
Office: 252-247-7703 Toll Free: 800-825-1161 Cell: 252-422-6369
mailto:mgregory@fidelityandtrust.com
www.fidelityandtrust.com
John Dunn - First Flight Federal Credit Union
1208 E. Main St., Havelock, NC
Office: 252-463-1726
mailto:dunnj@firstflightfcu.org
Marine Federal Credit Union
1500 E Main St., Havelock, NC
For mortgage application contact the Jacksonville office at:
910-355-5627 ext. 5627
or toll free: 1-800-225-3967 ext. 5627
www.marinefederal.org
MORTGAGE INFO
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| Belinda Schultz |
| 252.342.3359 |
| EXIT REALTY SEASIDE |
| Belinda Schultz BIC, ABR, e-PRO |
