Zack Philmon Your Loan Dude

Zack Philmon Your Loan Dude Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Zack Philmon Your Loan Dude, Real Estate, 3430 Toringdon Way, Suite 101, Charlotte, NC.

Mortgage professional with 13+ years of experience in mortgage business, having worked across multiple roles that provide a deep, practical understanding of how loans move from start to finish.

A new season brings new possibilities. If a new address is calling your name, let’s make a plan to get you there. N...
09/22/2026

A new season brings new possibilities. If a new address is calling your name, let’s make a plan to get you there.

NMLS # 904567

Great news for conventional buyers!We’ve raised our one-unit conforming loan limit to $845,000 (up from $832,750)!We're ...
09/18/2026

Great news for conventional buyers!
We’ve raised our one-unit conforming loan limit to $845,000 (up from $832,750)!
We're getting ahead of the FHFA's official 2027 announcement so more buyers can enjoy the benefits of Freddie Mac/Fannie Mae conventional financing—without needing a jumbo loan.
Looking for a higher-priced home? Let's see what’s possible!



NMLS # 904567

The recent Fed rate hike doesn't mean mortgage rates go up, too. The Fed rate is for short-term lending like credit card...
09/18/2026

The recent Fed rate hike doesn't mean mortgage rates go up, too. The Fed rate is for short-term lending like credit cards while mortgage rates tend to follow the bond market and economic conditions. So if you find a home you love, it's time to jump in - and I'm here to help you make a plan!

NMLS # 904567

The Fed does not directly set mortgage rates.Mortgage rates are much more closely tied to the bond market, inflation exp...
09/17/2026

The Fed does not directly set mortgage rates.

Mortgage rates are much more closely tied to the bond market, inflation expectations and the overall economic outlook. In fact, markets had largely anticipated yesterday’s Fed move before it even happened.

Rates have moved higher recently, but it wasn’t simply because the Fed “raised mortgage rates.” There’s a lot more going on behind the scenes.

And this is exactly why I tell buyers not to make a decision based on one headline.

If you’re thinking about buying, don’t hesitate to reach out. I’m happy to run the numbers and show you what today’s market actually means for your buying power.

Zack Philmon
NMLS 904567
[email protected]
704.562.8580

A down payment doesn’t always have to mean draining your savings.Depending on your situation, down payment assistance or...
09/17/2026

A down payment doesn’t always have to mean draining your savings.

Depending on your situation, down payment assistance or borrowing from your 401(k) could both be options, but they can affect your monthly payment, buying power, and long-term finances differently.

The goal isn’t just figuring out how little you can bring to closing. It’s figuring out which strategy makes the most sense for you.

Every buyer’s situation is different. I’m happy to run the numbers, compare the options, and help you build a plan that makes sense.

📲 Thinking about buying? Let’s talk.

Address

3430 Toringdon Way, Suite 101
Charlotte, NC
28277

Telephone

+17045628580

Website

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