Making a Difference in Families Financial Lives

For veterans, active-duty service members, and eligible surviving spouses, homeownership isn’t just a goal—it’s a well-earned privilege. Veteran Affairs Home Loans, backed by the U.S. Department of Veterans Affairs, provide a powerful pathway to homeownership with exceptional benefits that set them apart from conventional mortgage options. If you or someone you know has served, understanding the advantages of a VA home loan could make securing a home easier and more affordable than ever.

Buying a home is one of the biggest financial moves you’ll ever make, but let’s be real—it’s not just about affording the monthly mortgage payment. You also need upfront cash for a down payment, and for many would-be homeowners, that’s the biggest hurdle. If you’re in that boat, I have some exciting news for you! Down Payment Assistance Can Make Homeownership Possible The truth is that so many people could handle the mortgage payment but just don’t have enough savings to cover the upfront costs. That’s where down payment assistance (DPA) programs come in! The North Carolina Housing Finance Agency

If you’re considering an FHA loan, it’s important to understand the benefits and drawbacks before making a decision. FHA loans are a popular choice for first-time homebuyers and those with less-than-perfect credit, but they’re not the right fit for everyone. Here’s what you need to know:

Are you considering refinancing your home loan in NC, SC, VA, FLA or GA but aren’t sure where to start? Refinancing can be a powerful financial move, but understanding the process and determining whether it’s the right time for you is key. Here’s a guide to help you navigate the ins and outs of refinancing home loan rates and what homeowners typically want to know.

If you’re thinking about buying a home in a rural or suburban area, a USDA Rural Development Home Loan in NC, SC, VA, GA and FL could be the perfect solution. Specifically designed to enhance the quality of life in rural communities, these loans make homeownership more accessible by offering incredible benefits like zero down payment financing. Surprisingly, many areas eligible for USDA loans aren’t as rural as the name suggests, making this program a great option for suburban buyers as well. Read on to discover the program’s generous income limits, flexible credit requirements, and the wide range of homes

If you’re in the market for a luxury home or a high-value property, you may need a jumbo loan. These specialized mortgages are designed to finance properties that exceed the Federal Housing Finance Agency’s (FHFA) conventional conforming loan limit, currently set at $806,500.

Happy Holidays from the Amy Bonis Mortgage Team: Thank You for a Wonderful Year! As we close out the year, everyone here at Amy Bonis Mortgage Team reflects with gratitude on the trust and support we’ve received from our valued clients and community. It’s been our privilege to guide families and individuals on their journey to homeownership in 2024. We’re honored to have played a role in helping you achieve your goals today while supporting your future real estate aspirations. Looking Ahead to 2025 We’re excited to continue offering personalized mortgage solutions, expert advice, and an unwavering commitment to your

Kick off 2025 with a series of informative and engaging events designed to help you grow personally, professionally, and financially. From mastering business relationships to navigating the homebuying process, these events offer something for everyone. Mark your calendars and take advantage of these incredible opportunities to learn from industry experts!