About Karyn McAlpin
As a trusted mortgage advisor, I am well-versed in our broad range of loan products and programs, and I love helping clients achieve their financial goals. I work with clients to finance their first home, second homes, move-up homes, and investment properties. Down Payment Assistance programs are among the most popular, in addition to traditional loan products like conventional, FHA, VA, and USDA. I've been in the mortgage industry for more than 30 years. I believe the quality of origination is what drives the customer's experience. The better and more detailed I am at the beginning of the process, the smoother it goes, and the happier my teammates are, too! Gathering the correct information upfront is essential and makes a difference down the line. When you put quality in, you get quality out. I am blessed that my career as a loan originator is not just a "job" … it is my passion and what I love to do! When I'm not helping clients, I support the ALS Association in honor of my amazing late father-in-law, and the Susan G. Komen Foundation, in honor of my incredible mother, a breast cancer survivor. I love spending time with my family, making as many memories as possible. We love being outdoors and traveling. Our favorite summer vacation spot is Oak Island, North Carolina, and my husband and I travel to Aruba each year for our "kid-free" vacation, affectionately known as our "annual honeymoon." In addition to vacation traveling, we spend a lot of time cheering for our daughter at her volleyball and soccer matches. I also love volunteering at my daughter's school, Statesville Christian School, and helping in any way I can. I enjoy supporting my husband's multifaceted career in firefighting, whether it's educating students in hazardous materials/chemistry or serving as a Live Burn Instructor. As the first second-generation fire Chief at Ebenezer Fire-Rescue and Hazmat Captain at Mooresville Fire Rescue, he inspires me to give back to my community in meaningful ways. Above all, God has given me the gifts to make a positive impact on the lives of others, and that is what I strive to do every single day.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 7903 Providence Road, Suite 160 Charlotte NC, 28277
