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Eleanor Thorne
Works at Equity Resources
Lives in Cary, NC
4,082 followers|415,026 views
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Eleanor Thorne

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Amazes me that we do so many FHA Loans and Down Payment Grants and Wells Fargo, BB&T and Quicken Loans are not offering these great #FirstTimeHomeBuyerPrograms in NC
Down Payment Grants Available in NC, a NEW $15,000 mortgage grant is available in 5 NC Counties for First Time Home Buyers who qualify via NCHFA
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Eleanor Thorne

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Doesn't Sound Like Fed Easing To Me...
"Credit-rating firms are downgrading more U.S. companies than at any other time since the financial crisis, and measures of debt relative to cash flow are rising." #economy  
Falling profits and increased borrowing at U.S. companies are rattling debt markets, a sign the six-year-long economic recovery could be under threat.
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Eleanor Thorne

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When you have a post with over 100 Comments - it becomes more of a Forum.  There appears to be a ton of mi-information about #StudentLoans and #Mortgage Applications - we are trying to fix that!
Student Loan IBR and Mortgage Approval will depend on the type of mortgage you are applying for. FHA loans are easier to approve than USDA
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Eleanor Thorne

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Have you been to the Internet Summit in Raleigh?  One of the premiere events - I'm so excited about going this year!  #SEO #ContentMarketing #Raleigh  
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If I wasn't leaving for vacation to Florida that Saturday maybe...
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Eleanor Thorne

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bebe Southpark / I've never actually witnessed #BodyShaming before. I was at this store yesterday afternoon with someone who wears a size 12. Within a minutes of being in the store - I was off to the side- a clerk approached her and said, "We don't carry clothes larger than an 8, I'm sure we won't have anything for you ". The other clerks started snickering and nodded!!!!!! The potential customer left in tears!!!! It was horrible!!!! #Bebe #BebeCharlotte / Buyer Beware! I wouldn't go back

SouthPark Mall, 4400 Sharon Rd, Charlotte, NC 28211
(704) 442-0052

https://www.google.com/search?q=bebe+Southpark&ludocid=1840678132253376605&hl=en-US#istate=kp:xpd
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Eleanor Thorne

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THIS is an eye opening post on Gay Housing in Key West.
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Eleanor Thorne

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Nobody wants to post a message like this - but sometimes it's necessary.

FROM STEVE:

Thank you for allowing us to be of service and to offer home financing information. We have a very large social presence and we genuinely want to speak with everyone that would like information.

Unfortunately sometimes we get overloaded with inquiry’s and even with our best efforts cannot get back to everyone in a timely fashion. Please be patient with us.

If you would like to complete an online application our ability to assist you with home buying information will be quicker and more efficient. It’s the Green button on the page that says essentially “Apply Now”

There is no cost or obligation to communicate with us via that method.

If you would prefer to speak with us directly, before making an online application, that’s great too! Our number is 919 649 5058.

Again, please be patient with our response times as we truly want to help folks obtain home ownership. It’s OK to call us back if you do not hear from us right away. We aim for 24 hour return calls, but right now the sheer volume is sometimes making that impossible.

Thank you for the opportunity to be of service.
Mortgage Processing Times This Spring are longer than expected due to refinances. Mortgage Processing Times normally less than 30 days now up to 45 days from contract signing or longer
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Eleanor Thorne

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Educational Videos about USDA Home Loans in NC.  Small Town living at it's best, easy USDA Loan Eligibility requirements explained  for a program that is not really just for First time Home Buyers, although many first time home buyers use the program to buy a house in NC.  Credit Scores for USDA Home Loans are not as high as Conventional Loans, and no down payment is required to buy a house.  #USDAHomeLoanNC  
USDA Home Loan NC Tutorials, VIDEOS that go through the USDA Home Loan NC Eligibility Requirements, examples of income limitations and property
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Eleanor Thorne

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Our client worked as a self-employed IT tech, and then worked full time.  How do we prove that the borrower is no longer doing IT work on the side?  Take extreme measures - because USDA loans have Hard Income Limits for Qualification #USDALoans #IncomeRequirements  
Adjusted Income For USDA Home Loans NC, we can make adjustments to income so that you qualify for a USDA Home Loan with no down payment in NC
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Eleanor Thorne

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New $15,000 Mortgage Grant Available in NC

The Treasury Department came out with a program to help counties most hurt by foreclosures during the Recession.  In NC, 5 Counties qualify for these $15,000 Grants. 

The Grants are available in Johnston, Mecklenburg, Cabarrus, Cumberland and Guilford County.  The household income limit varies for the program based upon the County you buy in.

Targeted for First Time Home Buyers they are only available for homes less than $245,000 that have previously been lived in.  New Homes do not qualify for the program.

#MortgageGrants #DownPaymentGrants  
Down Payment Grants Available in NC, a NEW $15,000 mortgage grant is available in 5 NC Counties for First Time Home Buyers who qualify via NCHFA
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We just changed companies because our employer has (as of today) put NO #TRID training or processes in place.  That's right, a BANK in NC has done no TRID training - seemed like a big ole' train wreck waiting to happen, so we bailed.  I think many loan officers will make similar moves to companies that are more prepared.  #customerservice #realestate  
Each lender will have its own interpretation of the upcoming TRID rule change, according to one industry veteran, bracing for closing delays as a result
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Eleanor Thorne

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Looking for lower Mortgage rates - this would normally mean you could be seeing them... but remember the Fed is meeting this week - and they leaked a Staff Forecast that suggested a .25% hike in rates! #MortgageRatesToday  
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Eleanor you see to be one of the only people I can find that seems to understand the USDA system. We're not located in NC or we would have you guys working on our mortgage in a second. I do have a question and really hope you can answer because the people here in OH seem to know absolutely nothing about how to work with these loans.

How will the USDA calculate my self-employed income to see if I cross the income threshold? Do they average my current P&L and my last two years taxes together? Average my P&L and say that even though the year isn't done I'm going to make "x"?

I'm getting different answers from the people I'm working with and they don't match which makes me nervous....
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Currently
Cary, NC
Previously
ALL over North Carolina! - Wilmington, NC - Charlotte, NC - Durham, NC - Wrightsville Beach, NC - Cary, NC - Raleigh, NC
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 Understands Technology

I work in the Mortgage Lending business with my husband, +Stephen L Thorne, at Equity Resources.  Before we came to Equity Resources, 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
  • Equity Resources
    2015 - present
  • NC Mortgage Experts
    Business Development Officer, 2015
    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.
USDA Home Loan NC Tutorials, NC Mortgage Experts
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Google: The Google Update Was Not Panda Or Penguin
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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
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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
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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
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Nearly 1 million homeowners return to positive equity
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Study Finds Small Banks “Deeply Affected” by Dodd-Frank | CFPB Monitor
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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
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The increased scrutiny, mortgage bankers complain, would end recent attempts to provide home loans to borrowers with weaker credit, somethin

I watched staff here bring a 20 year old to tears yesterday when they said "we only go up to a size 8. We won't have anything here to fit you." The other clerks nodded and snickered. The potential client left in tears. #bodyshaming is apparently a sport here - and I would not support that. We went to JCrew and bought a size 12 dress. #Bebe
Public - 6 months ago
reviewed 6 months ago
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 - a year ago
reviewed a year ago
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 - 2 years ago
reviewed 2 years 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 - 2 years ago
reviewed 2 years ago
12 reviews
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The Shiracha sauce is good - but HOT! :)
Public - 2 years ago
reviewed 2 years ago
This is a great park. Fishing; trails; ballparks and playground.
Public - 2 years ago
reviewed 2 years 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 - 2 years ago
reviewed 2 years ago