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Outer Banks
Real Estate
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Mortgage Lenders
and Attorneys
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Thank you for accessing this page. There are many fine Attorneys and
Residential Mortgage Brokers / Lenders on the Outer Banks whose names / information does
not appear below. I could not list them all. With that in mind, I decided to
provide you with information for those professionals that I have had the pleasure of
working with on a more frequent basis. |
Residential Mortgage Loan
Brokers/Lenders
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Susan Reynolds - J.P. Morgan "CHASE
Home Mortgage"
|
| 2400 N. Croatan Highway,
Suite D-1 |
| Kill Devil Hills,
NC 27948 |
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Office: 252-441-4439 |
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Office: 800-858-7752 |
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Fax: 252-441-1066 |
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Cell: 252-256-0994 |
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Email: Susan.J.Reynolds@jpmchase.com |
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Margaret
Wells - Bradford Mortgage |
| 3632 N. Croatan
Highway, Suite B |
| Kitty Hawk, NC
27949 |
| Office: 252-261-1683 |
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Fax: 252-261-3974 |
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Cell: 252-202-8334 |
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Email: Margaret.Wells@bradfordmc.com
Website: www.margaretlwells.com |
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Kelly Bergenstock – First
Flight Mortgage, LLC |
| 2503 N Croatan
Highway, Suite 5 |
| Kill Devil Hills,
NC 27948 |
| Office: 252-449-4800 |
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Fax: 252-449-4801 |
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Cell: 252-619-6695 |
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Email: Kelly@firstflightmortgage.com |
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Website: www.firstflightmortgage.com |
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Lisa Cafferty – Resource
Bank |
| Post Office Box
7310 |
| 509 Mustian Street |
| Kill Devil Hills,
NC 27948 |
| Office: 252-441-5775 |
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Fax: 252-441-5009 |
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Cell: 252-256-8686 |
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Email: LCafferty@resourcebnk.com |
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Website: www.resourcebank.com |
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Chuck Parker
- Gateway Bank and Trust |
| 3600 N. Croatan
Highway |
| Post Office Box
3010 |
| Kitty Hawk, NC
27949 |
|
Specializes in
Commercial and Residential Real Estate Loans |
|
Office: 252-261-5895 |
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Fax: 252-261-6895 |
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Email: CParker@GatewayBankandTrust.com
Website: GatewayBankandTrust.com |
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Dee McManus |
| Albemarle Mortgage,
LLC |
| 4717 N Croatan
Highway, Suite D |
| Kitty Hawk, NC
27949 |
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Office: 252-255-0386 |
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Fax: 888-445-9005 |
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Email: DMcManus@albemarlemortgage.com |
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Kate Molinaro
- BB&T (Branch Banking & Trust) |
| Post
Office Box 269 |
| Kill
Devil Hills, NC 27948 |
| Office:
252-449-2141 x 243 Kate |
|
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Fax:
252-449-2199 |
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Email: KMolinaro@bbandt.com |
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| NOTE:
Prior to beginning the process of purchasing any property - you will benefit greatly from
talking with a mortgage lender to discuss your personal financial situation. Prior
to submission of a purchase offer to a prospective seller, you will want to have been
"Pre-Qualified" or even better, "Pre-Approved" for the financing you are seeking. This is one of the
first questions every Seller will ask ... "Are the Purchasers qualified?"
With perhaps a short 10 minute conversation (can be done by phone),
based on the information you provide regarding your current debt / income, a Lender will
be able to provide you details as to Interest Rates / Mortgage Loan Discount and
Origination Fees and an opinion as to the maximum mortgage amount you will be able to
secure. Note: If you are contemplating the purchase of a rental income
property and are not able to qualify for the payments based on your personal income /
debt, you can elect to have the rental income count toward the mortgage payment, therefore
you only need to qualify for the difference! This would be considered an
"Investor Loan" and would carry a slightly higher interest rate (1/2% to 1%
additional) and is available with 20% Down for up to 30 year amortization.
Primary residence and second home loans will typically have
the most favorable rates in the market. Primary residence financing up to 95% of
sale price (in some cases, 100% financing is available!) Second home financing up to
90% of sale price. Lot financing available up to 90% of sale price (15 year
amortization - no balloon!). Other terms available with 1, 2, 3, 5, and 7 year
balloons - call lenders for quotes.
NOTE 1: When calling a Lender for a rate quote,
remember to:
1) Call all the lenders at the same time of day
(within an hour or so) as rates can change daily, sometimes as often as hourly!
2) Be sure to ask exactly the same questions (i.e.:
dollar amount of loan, 30 year amortization, fixed rate, no points, etc.) - that way, when
you compare each lender's rate quotes, you will be comparing apples with apples - very
important!
3) Remember to take note of how the person on the
other end of the line treated you, and how they responded to your questions. For me
- "service" is more important that choosing a lender who offers a rate that is
1/8% lower, but offers poor service.
NOTE 2: If you are in need of a Commercial Lending
contact, please contact me for a personal recommendation. |
|
Outer Banks Real Estate Attorneys |
 |
Rose,
Harrison & Gilreath, P.C.
Dennis Rose (Civil Law) dennis@outerbankslaw.com
M. Peebles Harrison
(Real Estate) peebles@outerbankslaw.com |
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James R. Gilreath Jr. (Criminal Law) jim@outerbankslaw.com |
| 119 Woodhill Drive, Suite 3 |
| PO Box 1087 |
| Nags Head, NC 27959 |
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Office: 252-480-1414 |
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Fax: 252-480-0432 |
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Website: www.outerbankslaw.com |
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Robert B. Hobbs,
Jr. |
| Hornthal, Riley, Ellis & Maland |
| 2502 S. Croatan Highway |
| Post Office Box 310 |
|
Nags Head, NC 27959 |
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Office: 252-441-0871 |
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Fax: 252-441-8822 |
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E-mail: rhobbs@hrem.com |
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Website: www.rhobbs@hrem.com |
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Wills and Wills, P.C. |
Greg Wills (Civil)
gwills@obxlaw.com
Jim Wills III (Criminal)
jwills@obxlaw.com |
| 8845 Carotoke Highway
Suite 1 |
| Point Harbor, NC
27964 |
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Post Office Box 340 |
|
Harbinger, NC 27941 |
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Office: 252-491-8497 |
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Fax: 252-491-8723 |
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Website: www.obxlaw.com |
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Grant Fletcher |
| The Law Firm of Grant E. Fletcher,
P.C. |
| 8845 Caratoke Highway, Suite 2 |
| Point Harbor, NC 27964 |
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Office: 252-491-8145 |
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Fax: 252-491-8723 |
| E-mail: Grant@soundlegaladvice.net |
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Robert "Bobby" L. Outten |
| Sharp, Michael, Outten & Graham, LLP |
| 4820 N. Croatan Highway |
| Post Office Box 1027 |
|
Kitty Hawk, NC 27949 |
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Office: 252-261-2126 |
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Fax: 252-261-1188 |
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Email: Outten@smogobx.com |
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Bill Brumsey IV |
| Brumsey and Brumsey PLLC |
| 2883 Caratoke Highway |
| Post Office Box 100 |
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Currituck, NC 27929 |
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Office: 252-232-2252
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Fax: 252-232-3038 |
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E-mail: WBrumsey4@brumseylaw.com |
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Website: www.brumseylaw.com |
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John G. Gaw, Jr., Attorney at Law
|
| Laura Daniels - Paralegal |
| Post Office Box 1890 |
| Kitty Hawk, NC 27949 |
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Office: 252-261-1688
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Fax: 252-261-1322 |
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Email: LauraatGawLaw@charter.net |
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Ronda G. Moore |
| Kellogg and Evans, PA |
| 201 Ananias Dare Street |
| Post Office Box 189 |
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Manteo, NC
27954
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Office: 252-473-2171 |
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Fax: 252-473-1214 |
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Email: RondaM@kelloggandevans.com |
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E. Crouse Gray, Jr.
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| Gray & Lloyd, LLP |
| 3120 N. Croatan Highway, Suite 101 |
| Kill Devil Hills, NC 27948 |
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Office: 252-441-4338 |
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Fax: 252-441-8414 |
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Email: Attorneys@GrayandLloyd.com |
| Your real estate attorney provides
very important services regarding your Outer Banks property purchase... Title Search, Title Insurance, processing of Closing Documents,
including Pest Inspections, land / building Surveys, Homeowner / Flood Insurance, Rental
pro-rations
(if any), handling of all closing funds, Deed Recordation, etc.
NOTE: I always recommend that you hire an Outer Banks
area real estate Attorney to represent you in your Outer Banks real estate transaction.
Be sure that the other party in the transaction will be represented by a different
law firm. An attorney can represent both parties in a real estate transaction,
however, in the event of a conflict, the attorney will then be unable to represent either
party. In this situation, the attorney would have to refer both parties to
two separate attorneys for resolution.
You may want to contact three or four attorneys for quotes
as to thecharges for their services. Be sure to specify the same information
to each to obtain fee quotes that you can compare! I have found some differences in
real estate attorney fees.
Hope you will find the above helpful!
SANDMAN Team OBX |
|
Ocean Realty
