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7806 NC-751 Hwy, Suite 150 Durham, NC 27713 Mobile (919) 619-2724 Tel (919) 321-3296 [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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- Purchase
- Refinance
Charles Puryear
- Originating Branch Manager
- Durham, NC Mortgage Loan Officer
- NMLS #113641
I’ll be with you every step of the way
Hello! I’m Charles Puryear, born and raised in Durham, North Carolina. I began my journey in the mortgage industry in 2001. Over the years, I’ve had the pleasure of growing teams and dedicating myself to one goal: making homeownership accessible and helping people build generational wealth.
My passion lies in helping clients find the right loan for their situation. Whether you’re a first-time homebuyer, an experienced investor, or looking to refinance, my background in home financing and real estate investment ensures expert guidance tailored to your needs. We’ll explore a range of options, from conventional and FHA to VA, USDA, and CCM Signature Series mortgage programs, to find the right loan for you.
As a loan officer at Raleigh, NC with America’s #1 Retail Mortgage Lender, I provide clear communication, personalized solutions, and unwavering dedication to your interests. If you’re ready to take the next step, let’s talk today. I look forward to helping you open new doors!
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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.
Inspiration for your home loan journey
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.