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2018 Eastwood Road, Suites 313 & 315 Wilmington, NC 28403 Mobile (910) 795-6411 Tel (910) 338-5031 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- FHA Loan
- Home Equity
- Purchase
- Refinance
- VA Loan
Suzanne Neblett
I’ll be with you every step of the way
Hello! My name is Suzanne, and I’ve called Wilmington, NC, home for nearly 30 years. A two-time graduate of UNC-Wilmington with over 20 years of experience in the financial services industry, my intimate understanding of the local market – combined with my extensive mortgage product knowledge – allows me to uniquely serve my clients.
Whether you’re looking to finance or refinance your first home, next home, or investment property, I’m here to guide you. I’ll provide clear communication that instills confidence you are making the right choices for your future. I offer a wide range of products at America’s #1 Retail Mortgage Lender, including conventional, jumbo, FHA, and VA loans. Together, we’ll walk through the steps of your home loan journey.
When I’m not helping my clients become homeowners, I enjoy taking advantage of all that Wilmington and Wrightsville Beach have to offer with my husband, Sean, and our three children.
Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Suzanne’s testimonials
Inspiration for your home loan journey
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.