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Old 03-09-2018, 02:01 PM
 
2 posts, read 1,442 times
Reputation: 10

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Hello everyone - let me first say thank you in advance for any and all information that may be provided.
We are a family of 3 possibly 4 in the near future. We have visited the Charlotte area twice so far and now are really pursuing on making that jump. We are looking for one of those new home builds only because I want to try and avoid any type of home ownership issues for the first few years. I have been in contact with a few individuals down there but it seems no one has a direct answer. We are looking for some assistance on purchasing a home with qualifying programs for that purchase. similar to those with down payment assistance or in accordance to FHA rules. Also my daughter is currently 3 and school districts are a priority as well. even more moving from NYC to NC, need to find a job. Im a technical person, and my wife is in the medical field. any and all input would be great. thank you once again in advance.
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Old 03-09-2018, 02:07 PM
 
1,457 posts, read 1,000,790 times
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You should probably contact a mortgage loan officer or broker to discuss your options in intimate detail. Then they can review your savings, net worth, other loans, and ability to afford moving to Charlotte and still paying your mortgage while you look for jobs.

In my opinion, you might want to consider renting first while you secure jobs. Make sure you have a good amount of savings lined up. If it takes you six months to find a job, you are still going to have to pay rent, buy food, and take care of a child. You also don't want to fall behind on payments when you are looking at getting a home loan someday.

Once you find employment you can then start looking for a home to purchase. If you don't find jobs, breaking a lease and moving home where you might have a support system is not as big a deal as falling behind on mortgage payments for a home if you don't have an income stream. Scenarios like that result in people getting foreclosed.
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Old 03-09-2018, 03:17 PM
 
6,800 posts, read 4,395,527 times
Reputation: 5345
https://nchousing.org/resources-refe...yers-programs/
https://ncfhaexpert.com/fha/how-to-a...-grants-in-nc/
https://www.fha.com/fha-grants?state=NC
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Old 03-09-2018, 05:37 PM
 
Location: The place where the road & the sky collide
21,903 posts, read 27,184,852 times
Reputation: 8966
Quote:
Originally Posted by jrojas032982 View Post
Hello everyone - let me first say thank you in advance for any and all information that may be provided.
We are a family of 3 possibly 4 in the near future. We have visited the Charlotte area twice so far and now are really pursuing on making that jump. We are looking for one of those new home builds only because I want to try and avoid any type of home ownership issues for the first few years. I have been in contact with a few individuals down there but it seems no one has a direct answer. We are looking for some assistance on purchasing a home with qualifying programs for that purchase. similar to those with down payment assistance or in accordance to FHA rules. Also my daughter is currently 3 and school districts are a priority as well. even more moving from NYC to NC, need to find a job. Im a technical person, and my wife is in the medical field. any and all input would be great. thank you once again in advance.
Technical & medical are pretty broad descriptions. Do some job searches using Charlotte, Concord, & Gastonia. That should give you an idea of where you might want to focus.
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Old 03-13-2018, 08:45 AM
 
2 posts, read 1,442 times
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Thanks everyone all the info is greatly appreciated !
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Old 03-16-2018, 03:17 PM
 
Location: Charlotte
31 posts, read 28,966 times
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Moved from Midtown Manhattan to Charlotte about 4 years ago. Job market is strong, but salaries can be lower and school districts vary widely. You'll love it here - in terms of guidance on home buying and programs, I recommend Rhonda Copp at (980) 226-7665. She's helped me buy twice in Charlotte and sell once - she is knowledgeable and easy to work with.
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Old 03-19-2018, 11:40 AM
 
25 posts, read 17,255 times
Reputation: 21
I work with a lender at Fairway mortgage that could help with qualifying, he is very knowledgeable about current programs so I can send you his information if you would like.

Did you like any particular areas when you were visiting? Also, along with that questions what things are important to you?

I built a home last year for the very same reasons, so nice to not have to worry in the beginning! We used a custom builder but I am also familiar with many of the bigger builders in this area as well. Really just depends on where you think you may end up.

I am a Realtor with Highgarden if you have any other questions!
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