Melissa Hill Keller Williams Realtor Greenville, NC

Melissa Hill Keller Williams Realtor Greenville, NC An Informative Guide to Homeownership Please take a moment to read the following policy to learn how we handle your personal information.

Privacy Policy

OUR PRIVACY POLICY

Protecting your privacy is extremely important to Missy Hill Keller Williams Points East Of Greenville, NC., Hereinafter referred to as (We, Us, Our). We take great measures to use the latest technology and adhere to stringent confidentiality procedures to keep your personal information confidential. It is also important that you are aware of and understand ou

r Privacy Policy, as well as the nature of the relationship between you (site visitor) and us. If you have any questions, concerns, or comments about our Privacy Policy, please feel free to contact us. Who we are

We provide marketing services for the web site you visited. When you click on a link, you may be directed to a web page that is hosted by us. The phone numbers on these web pages are our company contact phone numbers. If the web page has a questionnaire form for you to fill out, the information contained in that form is e-mailed directly to MELISSA HILL OF KELLER WILLIAMS POINTS EAST GREENVILLE, NC. The type of information we collect

The personal information that we collect is limited to the information that you provide when you enter your information/fill out a questionnaire on a website that is hosted by us. This information may consist of your name, email address, phone number(s), and questions you answered. If you contact us by telephone using a phone number that we have provided, we may collect the phone number, time/length of the call and any voicemail messages you may leave for them. Your phone call(s) may also be recorded for quality assurance or training purposes, in the event that your call is recorded, you may be notified prior to the phone conversation

How your Information is stored

Your information is stored in an account that is only accessible by MELISSA HILL OF KELLER WILLIAMS POINTS EAST, GREENVILLE, NC. We will not share your personal information with any other companies. Use of your personal information

Any personal information that you provide is subject to MELISSA HILL OF KELLER WILLIAMS POINTS EAST, GREENVILLE, NC privacy policy. When we disclose personal information

We will not share, sell, transfer, or convey your personal information to any unaffiliated companies or third- parties, nor will we use it to contact you directly. Collecting other personal information

Use of โ€œCookiesโ€

Like many websites, our website uses โ€œcookieโ€ technology. The cookies will not reveal any personal information about you, except perhaps your first name so we can welcome you on your next visit. Cookies help us understand which parts of our websites are the most popular, where our visitors are going, and how long they are on each web page. We use cookies to study traffic patterns on our site so we can make the site more user friendly. We may use third-party advertising companies to place ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third- parties collect via cookies and action tags is completely anonymous. Links to other sites

Our site may contain links to the websites of our subsidiaries and affiliates, and to websites that are owned and operated by third-parties. These other websites may have their own privacy policies and would not be governed by our Privacy Policy. We are not responsible for the privacy practices or the content of websites owned and operated by any such third-parties. Other websites may collect and treat information collected differently, so we encourage you to carefully read and review the privacy policy for each website you visit. Our commitment to privacy

Our website does not knowingly collect or use personal information from children under age 13 without obtaining verifiable parental consent. If a child whom we know to be under the age of 13 sends personal information to our site, we will use that information only in accordance with the Children's Online Privacy Protection Act (COPPA). Changes in our online Privacy Policy

We reserve the right to change or replace this Privacy Policy at our sole discretion at anytime. Please check back from time to time to ensure that you are aware of any updates or changes to this Privacy Policy. Privacy Policy/Opt-Out Contact Information

If you have any questions or concerns about our privacy policy, or you wish to opt-out of future contact/ have your information removed by us, please contact us via email at [email protected]

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If you do not agree to these Terms of Use or the Privacy Policy posted on the website, please do not use this site or any services offered by this site. We reserve the right to make changes to this privacy policy. Please check back from time to time to ensure you are aware of any updates or changes in this policy. Your use of our site indicates acceptance of our privacy policy.

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎโ€™๐ฏ๐ž ๐›๐ž๐ž๐ง ๐ฐ๐š๐ญ๐œ๐ก๐ข๐ง๐  ๐ญ๐ก๐ข๐ฌ ๐ก๐จ๐ฆ๐žโ€ฆ ๐ง๐จ๐ฐ ๐ข๐ฌ ๐ญ๐ก๐ž ๐ญ๐ข๐ฆ๐ž.๐๐„๐– ๐๐‘๐ˆ๐‚๐„ โ€“ ๐„๐ฑ๐œ๐ž๐ฉ๐ญ๐ข๐จ๐ง๐š๐ฅ ๐•๐š๐ฅ๐ฎ๐ž Acreage โœ… 4.5 acre lot Flex space โœ… Pri...
04/30/2026

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎโ€™๐ฏ๐ž ๐›๐ž๐ž๐ง ๐ฐ๐š๐ญ๐œ๐ก๐ข๐ง๐  ๐ญ๐ก๐ข๐ฌ ๐ก๐จ๐ฆ๐žโ€ฆ ๐ง๐จ๐ฐ ๐ข๐ฌ ๐ญ๐ก๐ž ๐ญ๐ข๐ฆ๐ž.
๐๐„๐– ๐๐‘๐ˆ๐‚๐„ โ€“ ๐„๐ฑ๐œ๐ž๐ฉ๐ญ๐ข๐จ๐ง๐š๐ฅ ๐•๐š๐ฅ๐ฎ๐ž
Acreage โœ… 4.5 acre lot
Flex space โœ… Private flex space perfect for guests, home office, or extended family
Lifestyle โœ… Peaceful

Moving to North Carolina โ€” this is the kind of property you move South for.๐Ÿ“ 2209 Pocosin Rd, Ayden, NC๐ŸŒณ Private setting...
03/03/2026

Moving to North Carolina โ€” this is the kind of property you move South for.

๐Ÿ“ 2209 Pocosin Rd, Ayden, NC
๐ŸŒณ Private setting
๐Ÿก 3,200+ sq ft main home
โœจ PLUS a spacious detached accessory dwelling with finished living space

The main home offers over 3,200 sq ft of heated living area with generous rooms and wrap-around porch charm.

In addition, the property features a separate accessory structure with its own kitchen, bath, and living areas โ€” ideal for:

โœ” Multi-generational living
โœ” Guest space
โœ” Private office or studio
โœ” Relocation flexibility

Plenty of room. Privacy. Flexibility.

This is not something you find in most states at this value.

๐Ÿ“ฉ Message me for floor plans, virtual tour & relocation guide to Eastern NC.

โ€œDetached accessory dwelling with finished living space. Not included in heated square footage. Buyer to verify permitted uses.โ€
โ€”
Melissa Hill
Keller Williams Points East
1708 E. Arlington Blvd,
Greenville, NC 27858
๐Ÿ“ฒ 252-258-2887

A mortgage loan is a loan from a lender (usually a bank, credit union, or mortgage company) that helps you buy a home. H...
10/05/2025

A mortgage loan is a loan from a lender (usually a bank, credit union, or mortgage company) that helps you buy a home. Hereโ€™s how it works, step by step:

๐Ÿก 1. You Apply for a Loan
You apply for a mortgage through a lender. Theyโ€™ll ask for:

Your income and employment history

Your credit score and debts

Your assets (bank accounts, savings, etc.)

They use this info to determine how much you can borrow and at what interest rate.

๐Ÿ“„ 2. The Lender Approves You (Pre-Approval or Full Approval)
Once approved, youโ€™ll get a loan estimate that shows:

Loan amount

Interest rate

Estimated monthly payment

Closing costs

This approval helps you know your buying power and shows sellers youโ€™re serious.

๐Ÿ’ต 3. The Loan Covers Most of the Homeโ€™s Price
You make a down payment (usually 3%โ€“20%)

The lender pays the rest to the seller at closing

You agree to repay the loan over time (typically 15โ€“30 years)

๐Ÿ’ฐ 4. You Make Monthly Payments
Your monthly mortgage payment typically includes:

Principal โ€“ the amount you borrowed

Interest โ€“ the cost of borrowing the money

Taxes โ€“ property taxes (usually escrowed)

Insurance โ€“ homeowners insurance (and possibly mortgage insurance)

This is often referred to as PITI.

๐Ÿ”’ 5. The Home Is Collateral
Until your loan is paid off, the lender has a legal claim on the home. If you miss payments, the lender can foreclose and take the property.

ONE OF THE BIGGEST DECISIONS YOU'LL MAKE IN THIS LIFETIME... RIGHT UP THERE WITH GETTING MARRIED AND HAVING KIDS IS.. TO...
09/19/2025

ONE OF THE BIGGEST DECISIONS YOU'LL MAKE IN THIS LIFETIME... RIGHT UP THERE WITH GETTING MARRIED AND HAVING KIDS IS.. TO BUY OR NOT TO BUY A HOME HERE A FEW THINGS EVERY HOMEBUYER SHOULD CONSIDER BEFORE STARTING THE PROCESS... ๐‡๐จ๐ฆ๐ž ๐๐ฎ๐ฒ๐ž๐ซ ๐‚๐ก๐ž๐œ๐ค๐ฅ๐ข๐ฌ๐ญ

โœ… 1. Financial Preparation
Get pre-approved for a mortgage

Set a realistic budget (including down payment, closing costs, taxes, insurance, maintenance)

Check credit score and address any issues

Save for earnest money and moving expenses

Determine your must-haves vs. nice-to-haves

โœ… 2. Choose the Right Team
Hire a trusted real estate agent (like you!)

Research mortgage lenders and compare rates

Find a reputable real estate attorney (if needed in your state)

Line up a home inspector

โœ… 3. House Hunting
Decide on preferred locations/neighborhoods

Research school districts, commute times, and amenities

Attend open houses or schedule private showings

Take notes and photos during visits

Consider resale value and neighborhood trends

โœ… 4. Making an Offer
Compare recent sales ("comps") before offering

Decide on contingencies (financing, inspection, appraisal, etc.)

Submit an offer with a pre-approval letter

Be prepared to negotiate or respond to counteroffers

โœ… 5. Under Contract Process
Schedule a home inspection

Order an appraisal through your lender

Finalize your loan application and lock in an interest rate

Review disclosures and HOA rules (if applicable)

Shop for homeowners' insurance

Complete title search and secure title insurance

Schedule final walk-through

โœ… 6. Closing the Deal
Review Closing Disclosure (at least 3 days before)

Bring the required documents and payment to the closing

Sign all paperwork

Receive the keys and deed

โœ… 7. After Closing
Change the locks

Set up utilities and internet

Update your address with USPS, banks, and subscriptions

Keep a folder with all closing documents

Start your maintenance plan (monthly, seasonal, annual)

Here's a breakdown of how retail lenders, mortgage bankers, and credit unions differ when it comes to purchasing a home:...
05/07/2025

Here's a breakdown of how retail lenders, mortgage bankers, and credit unions differ when it comes to purchasing a home:

1. ๐Ÿฆ Retail Lenders
These are institutions (often banks or mortgage companies) that offer mortgage loans directly to consumers. They may include:

Big banks (e.g., Wells Fargo, Bank of America)

Online lenders (e.g., Rocket Mortgage)

Key Features:

One-stop shop for borrowers.

May offer a wide range of mortgage products.

Interest rates and fees can vary widely.

Service may be less personal, especially with large national lenders.

2. Mortgage Bankers
Mortgage bankers originate and fund loans with their own money (or credit lines), but they often sell those loans on the secondary market after closing.

Key Features:

Focused solely on mortgages (unlike full-service banks).

Often more efficient and faster than traditional banks.

Can offer competitive rates and flexible programs.

You may not stay with the same company after closing (servicing may transfer).

3. Credit Unions
Credit unions are non-profit, member-owned financial institutions. You usually need to qualify for membership (e.g., based on where you work, live, or worship).

Key Features:

May offer lower interest rates and fees due to nonprofit status.

More personalized customer service.

Fewer loan product options than large banks or mortgage bankers.

More likely to service your loan for the long term (keeping it "in-house").

๐—™๐—ข๐—ฅ ๐—”๐—Ÿ๐—Ÿ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ฅ๐—˜๐—”๐—Ÿ ๐—˜๐—ฆ๐—ง๐—”๐—ง๐—˜ ๐—ก๐—˜๐—˜๐——๐—ฆ, ๐—–๐—ข๐—ก๐—ง๐—”๐—–๐—ง ๐— ๐—œ๐—ฆ๐—ฆ๐—ฌ ๐—›๐—œ๐—Ÿ๐—Ÿ @ ๐Ÿฎ๐Ÿฑ๐Ÿฎ-375-3875
05/06/2025

๐—™๐—ข๐—ฅ ๐—”๐—Ÿ๐—Ÿ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ฅ๐—˜๐—”๐—Ÿ ๐—˜๐—ฆ๐—ง๐—”๐—ง๐—˜ ๐—ก๐—˜๐—˜๐——๐—ฆ, ๐—–๐—ข๐—ก๐—ง๐—”๐—–๐—ง ๐— ๐—œ๐—ฆ๐—ฆ๐—ฌ ๐—›๐—œ๐—Ÿ๐—Ÿ @ ๐Ÿฎ๐Ÿฑ๐Ÿฎ-375-3875

"Home is where you hang your hat... or lose your keys, misplace your phone, and wonder where all your money went." ๐Ÿก๐Ÿ”‘๐Ÿ˜‚
05/02/2025

"Home is where you hang your hat... or lose your keys, misplace your phone, and wonder where all your money went." ๐Ÿก๐Ÿ”‘๐Ÿ˜‚

Crucial information for helping first-time buyers and buyers with less-than-perfect credit feel more confident and hopef...
04/30/2025

Crucial information for helping first-time buyers and buyers with less-than-perfect credit feel more confident and hopeful.

Hereโ€™s a full breakdown:

๐Ÿก Loan Options for Buyers with Low Credit Scores
1. FHA Loan (Federal Housing Administration)
โœ… Designed for first-time and low-to-moderate income buyers
โœ… Minimum credit score: 580 (sometimes as low as 500 with larger down payment)
โœ… Down payment: 3.5% (if 580+ score)
โœ… More flexible on past credit issues (bankruptcies, collections)

Best for: Buyers with scores between 500โ€“650 who need flexible approval

2. VA Loan (Veterans Affairs)
โœ… For active military, veterans, and eligible spouses
โœ… No minimum credit score required officially (most lenders want 580โ€“620)
โœ… $0 down payment required
โœ… No private mortgage insurance (PMI)

Best for: Eligible military buyers, especially with lower scores and little savings

3. USDA Loan (United States Department of Agriculture)
โœ… For homes in eligible rural and suburban areas
โœ… Minimum credit score: 640 (but can sometimes work with lower via manual underwriting)
โœ… $0 down payment required
โœ… Income limits apply (for low-to-moderate income buyers)

Best for: Buyers wanting to live in smaller towns or rural areas

4. Non-Qualified Mortgage (Non-QM Loans)
โœ… Alternative programs for buyers who donโ€™t meet standard guidelines
โœ… Flexible income documentation (bank statements instead of W-2s)
โœ… Credit scores as low as 500โ€“580 accepted
โœ… Higher down payments and interest rates

Best for: Self-employed buyers, recent bankruptcy/foreclosure, unusual income situations

5. Subprime Loans (Use with caution)
โœ… Available for very low credit scores (under 580)
โœ… Often require larger down payments (10โ€“20%)
โœ… Higher interest rates and stricter terms

Best for: Temporary bridge buyers while rebuilding credit (ideally refinance later)

๐Ÿ“Œ Important Buyer Tips:
Down payment assistance programs can sometimes help cover 3%โ€“5% down even with lower scores.

Housing Finance Agencies (like North Carolina Housing Finance Agency) offer special programs with easier credit requirements.

Since buyers often get these two confused, I want to take a moment to provide a clear breakdown of the difference betwee...
04/30/2025

Since buyers often get these two confused, I want to take a moment to provide a clear breakdown of the difference between a mortgage broker and a direct lender.

๐Ÿฆ Direct Lender
A direct lender (like a bank, credit union, or mortgage company) lends you the money directly.

โœ… Pros:
You're dealing with the source of the funds

Often faster to process and underwrite loans

May offer better terms if you already bank with them

Clear communication, fewer third parties involved

โŒ Cons:
Limited to only their own loan products

Less flexibility for unique situations or lower credit scores

๐Ÿง‘โ€๐Ÿ’ผ Mortgage Broker
A mortgage broker is a middleman who shops around with multiple lenders to find you the best rate and program.

โœ… Pros:
Can compare rates from many lenders at once

May have access to niche or specialty loan programs

Helpful if you have less-than-perfect credit or a complicated financial profile

โŒ Cons:
May charge a broker fee (though sometimes the lender pays it)

Youโ€™re not dealing with the actual lender directly

Could take longer due to the extra layer in the process

Address

1708 E Arlington Boulevard
Greenville, NC
27858

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+12523753875

Website

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