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Erin Schlachter
Mortgage Loan Officer
NMLS#: 645889
I have 20 years of financial/mortgage experience. I am primarily located in the Piedmont Triad Region; however, with today’s resources, I am able to successfully service all counties in North Carolina and surrounding states.
Apply NowFeatured Product and Services
Want to learn more? Fidelity Bank offers a variety of personal and business products and services to meet your needs. Plus, our accounts come with the convenient digital solutions you’ve come to expect.
Buy a Home
Start your journey to a new home with us. As the best mortgage lenders, we simplify the buying process to get you the keys to your forever home faster.
Refinance a Home
Unlock lower payments or even tap into your home’s equity for greater financial flexibility. We make securing a home equity loan or refinancing clear and easy.
Build a Home
From foundation to finish, we support your home-building vision with flexible loans and expert advice.
About Right By You Mortgage
Drawing on the strength and stability of Fidelity Bank, a trusted name known for delivering over a century of solid banking services, we’re ready to guide you through every step of the mortgage process.
Home Loan and Refinancing Services in Greensboro
When buying a home or refinancing in Greensboro, choosing the right mortgage loan is essential for your financial well-being. As a top mortgage lender in Greensboro, NC, we offer a variety of non-conventional and conventional loan options tailored to meet the needs of buyers and homeowners in the area.
Loans for Buying a Home:
- Fixed-Rate Mortgages: Ideal for those seeking stable payments throughout the loan term, providing predictability in a fluctuating market.
- Adjustable-Rate Mortgages (ARMs): With lower initial rates, ARMs are perfect for buyers who plan to move or refinance before the mortgage rate adjusts.
- FHA Loans: An FHA loan offers lower down payment requirements and flexible credit standards, making it a good option for first-time homebuyers.
- VA Loans: Exclusively for veterans and military families, VA loans offer no down payment and competitive interest rates.
- USDA Loans: Great for rural areas, USDA loans require no down payment and offer low-interest rates.
- Jumbo Mortgages: Designed for buyers looking at higher-priced homes, a jumbo mortgage allows for loan amounts beyond conventional limits.
- First Time Homebuyer Loans: Low down payment required, making homeownership accessible for first time homebuyers and community partners without significant savings.
- Manufactured Home Loans: These loans cater to those purchasing mobile or modular homes.
- Investment Property Loans: Designed for those purchasing rental properties to generate income.
- Second Home Loans: Ideal for vacation or additional properties.
With a competitive mortgage market, Greensboro offers a range of loan options from local lenders familiar with the area. Reach out to our home loan company today to learn more about your financing options.
Loans for Refinancing a Home:
Refinancing can offer benefits like lower mortgage rates or improved loan terms. Similar to home buying, many of the same loan types are available for refinancing, including:
- Fixed-Rate Mortgages: Lock in a lower rate to reduce monthly payments with predictable payments.
- Adjustable-Rate Mortgages (ARMs): Secure lower initial payments if you plan to sell or refinance soon.
- FHA Loans: The FHA Streamline program offers a simple process for refinancing with minimal paperwork.
- VA Loans: Refinancing with a VA loan offers low rates and no down payment.
- USDA Loans: Refinancing into a USDA loan offers better rates for eligible homeowners.
- Jumbo Mortgages: For homeowners with higher-value properties, jumbo mortgages offer competitive terms.
- Manufactured Home Loans: Refinancing options available for manufactured homes with favorable terms.
Why refinance? Refinancing can help you secure a lower interest rate, consolidate debt, or change your loan structure for more favorable terms.
Hello, Greensboro
Greensboro’s mortgage market offers a wide range of opportunities, with local mortgage and portfolio lenders providing competitive options and a variety of home loan products. These experts understand the unique financial climate of Greensboro and offer personalized services that are tailored to meet the needs of homebuyers. From first-time buyers to those exploring more advanced mortgage solutions, these Greensboro mortgage lenders are ready to guide you through the process.
The financial landscape in Greensboro – which is shaped by stable mortgage interest rates and an active housing market – plays a key role in the city’s homeownership opportunities. With ongoing growth in housing affordability and market demand, it’s important to choose a mortgage lender who can help you navigate these dynamics to find the best terms for your situation. By understanding the local market trends and historical developments, you’ll be better equipped to make informed decisions.
At our mortgage broker and independent community bank, we focus on what truly matters: our customers. With over 115 years of experience, our deep ties to Greensboro allow us to build lasting relationships based on trust and personalized service. We believe that banking locally means offering expertise and attention to detail that aligns with your goals.
Working with a local expert, like Erin Schlachter, provides significant advantages. Erin’s in-depth knowledge of Greensboro’s market and his experience in helping clients through the mortgage process will guide you toward the best financial options. He’s here to offer the best mortgage lender advice, provide clarity throughout the loan process, and help you secure a path to homeownership.
Enjoy the convenience of keeping your money close to home. Come by and say hello to our mortgage loan originator team – we’ll show you what it means to be Right By You. Let’s collaborate to make your homeownership dreams a reality.
Learn MoreUnderstanding Homebuyer Assistance Programs in Greensboro
If you’re looking to buy a home in the Greensboro area, there is a variety of homebuyer assistance programs that can make your journey to homeownership more affordable and accessible. These programs are specifically designed to support residents – especially first-time buyers, low-income families, and veterans – with reliable mortgage assistance in Greensboro.
Assistance Programs
Greensboro offers several residential mortgage programs that make homeownership more achievable. These may include down payment assistance, grants, and affordable housing initiatives that help ease the upfront costs of buying a home. With programs backed by both the city and various private institutions, buyers may receive financial aid to cover the down payment, closing costs, or even part of the home’s purchase price.
Eligibility for Greensboro-Specific Mortgage Programs
Certain mortgage programs – like FHA loans, VA loans, and USDA loans – offer low-interest rates and easier qualification requirements, making homeownership more accessible to those who meet the criteria. FHA loans are ideal for first-time homebuyers or those with less-than-perfect credit, while VA loans are specifically for veterans, active military members, and their families. USDA loans are available for homes in rural or suburban areas, offering no down payment and competitive interest rates.
Improving Credit to Secure Pre-Approval
One of the most important steps in securing mortgage pre-approval is improving your credit score. Lenders typically look at your credit score, and the better your score, the more favorable your loan estimate and terms may be. Consider paying down outstanding debt, making on-time payments, and avoiding new credit applications before applying for a mortgage. Working with an advisor can also help you develop a strategy to boost your credit and improve your chances of securing a pre-approved loan.
As a leading mortgage company in Greensboro, the financing mortgage lenders here at Right By You can also provide pointers to get you set up right for your journey to homeownership.
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