Buyer Resources
The calculators below run the same math we run at the kitchen table — mortgage payment, total monthly cost with taxes and insurance, buyer cash-to-close. The numbers are starting points, not final ones. Bring them to a conversation with us and we will walk through what your actual market looks like.
Mortgage Calculator
Monthly Payment (PITI)
$2,774
- P & I
- $2,395
- Tax
- $289
- Insurance
- $90
- Loan Amount
- $360,000
- Total Interest, 30-yr
- $502,232
NC tax baseline 0.77% · insurance baseline 0.24%
Typical Closing Costs in NC
Expect total closing costs of 2-5% of the purchase price. Here’s what to budget for:
Step by Step
The Buying Process
Get Pre-Approved
Before you start looking at homes, get pre-approved for a mortgage. This tells you exactly how much you can afford and shows sellers you're a serious buyer. We can connect you with trusted local lenders.
Define Your Criteria
We'll sit down together and discuss your must-haves, nice-to-haves, preferred neighborhoods, commute needs, and lifestyle priorities. This saves time and ensures we're focused on the right properties.
Tour Properties
We'll schedule showings for properties that match your criteria — including off-market opportunities you won't find online. Take your time; we'll see as many homes as it takes.
Make an Offer
When you find the one, we'll prepare a competitive offer based on market data, comparable sales, and the property's condition. We'll negotiate terms that protect your interests.
Due Diligence
After your offer is accepted, we enter the due diligence period. This includes the home inspection, appraisal, title search, and survey. We coordinate everything and keep you informed at every step.
Close & Get Your Keys
At closing, you'll sign the final paperwork, the funds transfer, and you receive the keys to your new home. We'll be there with you to make sure everything goes smoothly.
Estimate only. Confirm with your lender, attorney, or CPA before relying on these numbers. Not financial, tax, or legal advice.