Chris McLaurin

Chris McLaurin

Branch Manager, Loan Officer
NMLS #86245
Office: 919-249-4130
Mobile: 919-210-9626
Serving in AR, CA, DC, FL, GA, MD, MI, NC, OH, OK, PA, SC, TN, VA, WA
Branch: Southern Pines

Meet Chris

An Experienced Advocate for Homebuyers and Homeowners

Chris has been in the mortgage world since 2005. He is a graduate of The University of North Carolina, Wilmington with a degree in Criminal Justice. Chris’s initial plan was to continue his education by attending law school. However, his love for all things real estate would lead him to his current career. Becoming a loan officer was a natural fit for Chris. He was able to combine his love for real estate and passion for helping people.

Chris specializes in new home purchases and refinances using Conventional, VA Home Loans, FHA, and USDA loans. With almost twenty years of experience, Chris has provided his clients with creative solutions for all their mortgage needs.

“I’ve never been one that needs to win awards, I just want to be sure I do the best for my clients.”

 When out of the office Chris enjoys spending time with his family, especially his two daughters. He is an avid sports fan and tries to spend as much time outdoors as possible.

FAQs

Common Questions For Chris

What’s the difference between pre-qualification and pre-approval?

Pre-qual is basically a snaphot of your finances where a pre-approval is when all your docs are in an has been reviewed by UW.  For an offer all you should need is a pre-qual.

How much home can I afford?

How much you can afford and your comfort level are two different questions.  Some programs allow you to go over your budget so your question needs to be what do I feel comfortable paying on a monthly basis.

What credit score do I need to buy a home?

Most programs want to see a 620 score but I can offer programs with lessor scores but we can also work with you to get your scores up.  Usually getting scores up is easier than most realize.

How much do I need for a down payment?

Different programs require different down payments so there is no set figure.  Needing 20% down is an old requirement and some programs offer 100% financing.

How long does the mortgage process take?

If you are on top of things you can close in 2 weeks but we typically like to have 30 days to not stress the system and others involved.

Should I get pre-approved before talking to a real estate agent?

You should always speak to a lender first, most realtors are going to want to see that you have a least spoken with a lender before they show you properties.  Also, you maybe looking at homes that our out of your range or budget so get good advice before shopping.

Reviews

What Clients Are Saying

Contact Chris

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