Shuntrelle Thornton-Jones

06/23/2025

💳 Want a Better Mortgage Rate? Watch These Credit Score Milestones 🏡

Your credit score is one of the biggest factors in determining the interest rate you’ll be offered on a mortgage — and even a 20-point jump could mean real savings.

Here’s how lenders typically price loans based on score thresholds:

620: The minimum for many conventional loans
640: First break where rates improve slightly
660: Another bump in pricing
680: Often required for down payment assistance
700: Considered strong credit — lower pricing begins
720: Great credit, better pricing
740: Excellent credit
760+: Top-tier pricing and best available rate
📉 Higher credit = lower rate = more buying power!

💡 Pro Tip: Before applying, check your credit, avoid new inquiries, and pay down high balances. Even small improvements can make a big difference in your monthly payment.

Thinking about buying this year? Let’s connect with a lender and see what’s possible.

05/08/2025

Explore the possibilities of commercial real estate and take the first step towards securing your future investments. Let's discuss how to turn your vision into reality today!

02/04/2025

This 5 bedroom home presents a fantastic opportunity for those looking for a spacious and affordable property with the potential to add their own personal touches. The lot beside it comes with the sale of the home. This could be your dream home!
Call me for additional details 919-391-6163.

11/21/2024

Chateau Grandeur Estates is providing assistance to first time homebuyers who are ready to make a move.

06/22/2023

Penny for your thoughts? How about some answers to your questions? If you're unsure where to start, this list is a great resource, and if you're still on the hunt for a loan officer to work with, I know some of the best and would be happy to connect you with them! Just send me a message or give me a call.

01/30/2023

There has been a lot of misinformation flying around the housing market, often comparing today’s market to that of 2008-2009 – which can be scary. In reality, the market is not heading for a crash; as mortgage rates slowly drop, the market is stabilizing. If you’re unsure or worried about what’s going on and have questions, I’m here to help! Just send me a message.

01/19/2023

It’s important to factor in cash-to-close fees so you don’t run into any surprises on the way to your dream home. Questions? Send me a message — I’m here to help!

12/25/2022

12/09/2022

Now is the perfect time to sell. There are more serious buyers, less competition with other sellers and you can schedule viewings around holidays. Let's connect today to discuss your options.