Albemarle Bank & Trust - Licensed in all 50 states18 years of mortgage industry experience.The mortgage industry has gone through a great deal of changes since the financial crisis of 2008. The Consumer Financial Protection Bureau (CFPB), HUD and other Federal Agencies have enacted new guidelines for mortgage loan qualification. It is imperative that buyers seeking to purchase a home and current homeowners wishing to refinance have the assistance of a mortgage/loan officer that is knowledgeable of all the mortgage industry changes. The mortgage/loan officer you choose will make the difference between closing or not closing on the home you have dreamed about or refinancing your current mortgage to a lower interest and better terms. Albemarle Bank & Trust has made it a priority that loan officers have knowledge of all the changes and are equipped to navigate buyers and homeowners through all the new Fannie Mae, Freddie Mac, FHA, USDA and VA guidelines to loan approval and finally closing. Specialties: Certified Military Housing Specialist (USA Cares Org.), VA, FHA, USDA, NC Housing Finance Agency, Conventional Loans, HARP 2.0 Refinance, FHA Streamline Refinance, Reverse Mortgage Consultant, First-Time Homebuyer Specialist, FHLMC Funded Down payment Assistance Programs, FHA 203k Rehab, USDA, second/vacation homes, investment/rental properties purchase and refinance mortgages, Jumbo loans specialist. Self-employed borrowers Consultant.