Meet Steve Doherty – Your Home Financing Expert
Steve Doherty is your go-to resource for all things home financing! Backed by Advantage Lending, a locally owned and operated company, Steve ensures a smooth, in-house mortgage process from start to finish.
With a background in law, including four years as a Judge Advocate in the U.S. Marine Corps, Steve brings expertise, precision, and dedication to every transaction. His legal experience gives him a unique ability to navigate complex financial and legal matters, ensuring his clients secure the best mortgage solutions.
Above all, Steve is a devoted father and husband, passionate about helping families achieve their homeownership dreams with confidence. Whether it’s your first home or your next move, Steve is committed to guiding you through the financing process every step of the way.
Contact Steve:
📞 919-371-8837
📧 sdoherty@advantagelending.com
📍 1991 Apex Peakway, Apex, NC 27502
NMLS #1769285
Understanding Your Home Loan Options
Buying a home is exciting—but navigating mortgages can be overwhelming. Here’s a quick guide to the most common types of home loans:
Conventional Loans
- Not insured by the federal government (VA, FHA, USDA)
- Often follows Fannie Mae or Freddie Mac guidelines
- Best for: Buyers with good credit and a solid down payment
- Key benefit: Competitive interest rates and flexible terms
FHA Loans
- Insured by the Federal Housing Administration
- Designed for first-time buyers or those with lower credit scores
- Requires a mortgage insurance premium (MIP), usually financed by the lender
- Key benefit: Allows smaller down payments and more accessible qualification
VA Loans
- Guaranteed by the U.S. Department of Veterans Affairs
- Available to eligible veterans and some surviving spouses
- No down payment required in most cases
- Key benefit: Long-term financing with lower costs in areas where private loans may be limited
Adjustable-Rate Mortgages (ARMs)
- Interest rate changes over time based on market conditions
- Often starts with a lower introductory rate
- Rate adjustments follow an index with caps to limit increases
- Best for: Buyers who plan to move or refinance before rates adjust
💡 Tip: The right mortgage can save you thousands over the life of your loan. Contact me for guidance to find the loan that fits your goals and situation.
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