Charles Hoyer began his career in the mortgage industry in 2007 and over the past decade has built an extensive network of clients from all parts of the country. Charles has found success in the mortgage business for many reasons but most notably for always putting the customer first. This approach has allowed Charles to grow his business thanks to word-of-mouth referrals and customers that consistently return for their mortgage needs. Charles goal is to simplify the mortgage process for his customers and make the home loan process easy to navigate. He and his team thoroughly educate their borrowers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program. Charles’ customer base ranges from first-time homebuyers to experienced investors who have worked with him on multiple loans over the years. He prides himself on listening to the needs of his customers and then offering guidance on the various programs available to them. By providing information specific to their situation, he believes he can put borrowers in a better position to make an informed decision for themselves and their families. Charles graduated from Coastal Carolina University with a Bachelor of Science degree in Finance. He grew up in the suburbs of St. Louis, MO and currently resides in Wilmington, NC. He is a die-hard STL Cardinals fan and spends his downtime with his beautiful wife and two young children relaxing on the beach or enjoying local fare and entertainment. Charles makes himself available at all times so feel free to call at any time!
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.