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Eleanor Thorne
Works at NC Mortgage Experts
Lives in Cary, NC
3,706 followers|365,006 views
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First Time Home Buyers are having a tough time getting contracts accepted - especially if they are NOT using a Realtor!  In today';s competitive market, it's more important than ever to use a qualified Real Estate Agent to help you buy a house!   #FirstTimeHomeBuyers  
 
Want to buy a house, but not sure how to go about making that happen? We can help! #FirstTimeHomeBuyer http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-purchasing-plan/
First Time Home Buyer Tips - when do you start looking for a home - how much will you need? First Time Home Buyer Programs available in NC
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We are seeing low appraisals in many parts of North Carolina.  There are different theories about what is causing it - but we think, especially in the First Time Home Buyer Price Range - it's due to the fact that we are in a Seller's Market.  As such, Sellers are asking for above list price for their home (and getting it) and then Buyers are asking for a slightly higher price to cover closing costs. It's the last step, the Seller Paid Closing costs, with an already inflated sales price, that's causing major headaches.
#Lowappraisals   #Sellerpaidclosingcosts  
Seller Paid Closing costs are quickly becoming a thing of the past with low appraisals and higher closing costs charged from Fannie Mae in 2015
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Great points about Keyword Research and Content Marketing.  I find that many mortgage and Real Estate bloggers are using "Industry" terms - and not those the general public is searching.

"There’s much we can learn from our keyword research that can inform and improve our content. When doing keyword research (yes, this is still a useful and beneficial task in 2015), you should be using your research to inform yourself about all the various angles and topics you could cover on a particular theme.

Your keyword research should give you a deeper and more complete understanding of what your customers are looking for. Rather than writing content and then doing keyword research as an afterthought, let your research give a broader understanding of the needs and interests of your target market."

#ContentMarketing #RealEstateMarketing
John Rampton is the founder of Palo Alto, California-based Host, a hosting company specializing in helping businesses with hosting their website for free, for life. Connect with him @johnrampton. Your ...
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Great point, Eleanor. . .best way to approach it.
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This SINGLE FHA Guideline will change the First Time Home Buyer “Surge” of buyers in North Carolina, and could easily cause a slow down in this Seller’s Real Estate Market.

So many NC First Time Home Buyers are following the path of the American Dream.  Go to College, Get a Job, Buy a House.  Well, if you come out of college with $40,000 to $100,000 in student loan debt, you will no longer qualify (in most cases) for a $250,000 house with your $50,000 income.

#MortgageStudentLoans   #StudentLoans   #FHALoans  
Mortgage Qualification and Student Loans, Changes coming in June make it more difficult to qualify for a mortgage with Student Loans. FHA no longer accepts deferred payments
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Music to my ears....
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Eleanor Thorne

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Memorial  Day weekend in Raleigh will be fun! 1000 foot water slide and Hot Air Balloons? Nobody will be at the Beach!   #Raleigh  
Permitting issues have been fixed, say Slide the City organizers. That means that, if you have $15 and a float, you can slide down a 1,000-foot padded tarp on Glenwood Avenue in May.
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Quote from  a client this morning, " We also wanted to tell you that your website is THE BEST.  Your wife has entered all of the most pertinent information available that the mind can think of.  All of our questions were answered and it did get us to send you a request for information.  Very organized, down to the size of font.  "Award Winning, we say"  Congrats to you both." #MortgageRaleighNC  #MortgageMarketing
First Time Home Buyer Loan Requirements, including how to qualify for First Time Home Buyer Grants, First Time Home Buyer Tax credits and credit score requirements
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If you were there - you'll know what this "source" is talking about...

"From  *American Mortgage Conference in Raleigh, North Carolina last week*  and this source doesn’t mince words. This source takes the highly contested position that credit is too tight.

Peel back the usual layers of rah-rah-go housing optimism, and there was one big takeaway if you read between the lines, the source says:

 “The system is sick.”

The source quotes Federal Housing Administration principal deputy assistant secretary Ed Golding, who told conference goers that an estimated 1.2 million borrowers are "missing" from the market, many of whom are black, young, or have imperfect credit.

So in this climate who is getting loans? Well, people like the folks at the conference talking about all this.

"The well-heeled wealthy borrower has all the options in the world," Golding said. Meanwhile, prices are getting further out of reach."

#AffordableHousing  
With 1.2 million buyers missing from the marketplace, something is wrong. But where is the real problem? Also, the interest rate and mortgage bond outlook, home prices, industry confidence and more.
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Dr David Blitzer of S&P Dow Jones commented on a major issue for the industry: Home prices are rising roughly twice as fast as wages, putting pressure on potential home buyers and heightening the risk that any uptick in interest rates could be a setback. Home building and new home sales are soft and residential construction is still below its pre-crisis peak.” #MortgageRates
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This just got even more complicated... THE Automated Underwriting systems are now NOTING that the borrower owes more in Student Loan debt than they initially borrowed, and are asking for it to be paid down to qualify for #MortgageGrants   #StudentLoanMortgage  
Paying Student Loan Debt Down To Qualify is being required with a new AUS underwriting change that took place in April. Deferred student payments hurt credit scores
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"Search Intent" this is a term I was not familiar with.  Makes sense, found the article interesting +Mark Traphagen 
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I have to get away from a blog page for our first page. Gonna be a PIA with 900+ page site :( 
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Will mortgage rates head lower this week?  Friday's job number pushed the current forecast for Fed Rate hikes into the Fall.  What to watch for in the Economy that might point to lower mortgage rates.   #MortgageRates  
True confession here - I'm an Economics Junkie.  I'm not proud of it, but I've been watching mortgage rates, and economics for so long - it's just kind of
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Mortgage Rates headed lower, over all, but not near the January Lows #MortgageRates  
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Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Cary, NC
Previously
ALL over North Carolina! - Wilmington, NC - Charlotte, NC - Durham, NC - Wrightsville Beach, NC - Cary, NC - Raleigh, NC
Contact Information
Work
Address
111 Corning Rd, Suite 230 Cary, NC 27518
Apps with Google+ Sign-in
Story
Tagline
Fun Loving Web Evangelist + Part of Dynamic Mortgage Lender Team
Introduction
Mortgage Lender + USDA Home Loan Expert + First Time Home Buyer Programs + Real Estate Social Media Website Consultant + Boomer Who Undertsands Technology

I work in the Mortgage Lending business with my husband, +Stephen L Thorne.   We were named one of the Top Origination Teams in the State (by the NC Association of Mortgage Professionals, and Mortgage Originator Magazine. 

As entrepreneurs, one of our mortgage companies received the coveted Triangle Fast 50 Awards by The Triangle Business Journal three years in a row!.

As a Mortgage Origination Team, we specialize in FHA Mortgage Loans, Veteran Home Loans, and we probably do more USDA Home Loans than anyone else in the State of NC.  In addition to this, we offer the Best Mortgage Interest Rates for all programs, including Conventional/Jumbo mortgages. 

We have over 20 years of experience as Mortgage Loan Professionals in Cary, NC and enjoy working with First Time Homebuyers, as well as folks who are Refinancing! 

We recently finished Dave Ramsey's Financial Peace University, and love sharing his principals of soundly building wealth with our mortgage customers!

I am a Boomer - and I've spent over 6 years learning the "language" of Social Media, Websites and SEO.  Because of that - I teach many fellow Boomers the language - and I work with Real Estate Agents to gain better exposure for their Real Estate Practice!
Bragging rights
Best Boomer New Idea Thinker-Upper Ever
Work
Occupation
Marketeeer! Mortgage Lender Team!
Skills
I have the ability to make Complex things simple to Understand... Mortgage, Technology, Parenthood (Wait! Maybe not Parenthood!)
Employment
  • NC Mortgage Experts
    Business Development Officer, present
    NC Mortgage Experts with TONS of experience helping first time home buyers in NC buy their Dream Home! You will find more information on our site, www.ncfhaexpert.com; or you can connect with us here, on Facebook or Twitter. I work with my husband, Steve Thorne, Mortgage Loan Originator #60596
  • National Mortgage Access
    Owner
Basic Information
Gender
Female
Other names
Warren
Eleanor Thorne's +1's are the things they like, agree with, or want to recommend.
2015 Professional Builder 40 Under 40 Awards
www.probuilder.com

This year’s young superstars of home building, named as 40 Under 40 winners by the editors of Professional Builder, have already achieved in

7 Lessons Learned From 7 Years in SEO - State of Digital
www.stateofdigital.com

The search industry moves very quickly - many things change but much stays the same too. Jo Turnbull tells about her 7 years in SEO and what

Google: The Google Update Was Not Panda Or Penguin
www.seroundtable.com

Yesterday we covered that Google seems to have done a major update the other day and Google actually responded to us saying

7.3 million boomerang home buyers hit the market
www.mpamag.com

The first wave of homeowners who lost their home to foreclosure or short sale during the foreclosure crisis are now past the seven-year wind

14 Recent Changes Social Media Marketers Need to Know
blog.bufferapp.com

Here are 14 of the most recent changes to Facebook, Twitter, Pinterest, LinkedIn, Google+ and Instagram that social media marketers can bene

Rep. Tom Murry falsely claims endorsement from N.C. educators' group
www.indyweek.com

Fake endorsement cards are being distributed at multiple Wake County precicnts

Nearly 1 million homeowners return to positive equity
www.mpamag.com

A new study shows borrower equity has increased by $1 trillion, providing a positive outlook for the housing market

5 Ways to Help Your Tenants Transition to the Neighborhood // Landlordology
www.landlordology.com

Resources for Landlords. Learn how to successfully manage your rental properties, build wealth, and keep your tenants happy.

Report: Congested Triangle roads costing drivers thousands of dollars - ...
www.bizjournals.com

A report released Tuesday morning by TRIP, a national transportation research group based in Washington, D.C., finds that the average Raleig

Cure writer's block with a photowalk - Christopher S. Penn : Awaken Your...
www.christopherspenn.com

Got writer’s block around a particular topic or blog post? There are dozens of different ways you can break writer’s block (some of which ar

Study Finds Small Banks “Deeply Affected” by Dodd-Frank | CFPB Monitor
www.cfpbmonitor.com

The Mercatus Center at George Mason University recently published the results of a study of the effects of Dodd-Frank on small banks, define

FHA Quality-Assurance Plan Assures Fewer Loans Get Made: Lenders
www.nationalmortgagenews.com

The increased scrutiny, mortgage bankers complain, would end recent attempts to provide home loans to borrowers with weaker credit, somethin

F.O.R.D-Have you done it lately with your past clients and prospects
activerain.com

F.O.R.D-Have you done it lately with your past clients and prospects. I just texted one of my fellow real estate agents/friend who is in the

I've been a patient of Dunn for 5 months, after having multiple strokes. They are POSITIVE, and helpful. They always leave you feeling like you are making progress. They listen, evaluate, and help you find solutions that work within your schedule. I highly recommend them, and Laura Suter, who is my personal favorite! #PhysicalTherapy
Public - 7 months ago
reviewed 7 months ago
The Shiracha sauce is good - but HOT! :)
Public - a year ago
reviewed a year ago
This is a great park. Fishing; trails; ballparks and playground.
Public - a year ago
reviewed a year ago
We've done several transactions with Raleigh Cary Realty and found them to be very professional an knowledgeable about the market. We recommend them!
Public - a year ago
reviewed a year ago
10 reviews
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I do not recommend this Salon. We had a miserable experience with disastrous color treatment that even the owner said was, "too intense." After going back a second time, they suggested maybe adding "streaks" to fix it. Ended up paying another Aveda Salon for Color Correction. I would not go to this Salon for ANY color treatment.
Public - a year ago
reviewed a year ago
Many mortgage companies are not offering USDA Home Loans. We still have USDA Rural Development loans available. 100% no money down loans at a fixed rate with no PMI. We also do FHA and VA mortgage loans. We offer refinances, streamline FHA and VA loans. First Time Home Buyer programs, and credit repair counseling. We help many people who have high to mid 500 credit scores raise those credit scores so that they can purchase a home. This normally takes about 60 to 90 days, and all fees for credit analysis, credit reports and rapid rescores are credited back to you at closing. If you have a bankruptcy or foreclosure in your past call us. We can help you take the steps toward purchasing another home!
• • •
Public - a year ago
reviewed a year ago
It's so great to work with Web Design (and "execution") folks who understand Real Estate. Too often, I see agents and Brokerages working with a WebTeam that understand good web design, but they don't understand how that translates to Real Estate. These guys get it.
Public - 2 years ago
reviewed 2 years ago