Mortgage Information

Whether purchasing your first home, a weekend get-away, or the place you’ll call home later in life, taking the time to choose an experienced lender can make the home-buying and closing process the pleasure it should be. Confidence about the impact this purchase will have on your total financial strategy, will change the way you view the homes we’ll tour together. With the financing questions settled, you are in the best possible negotiating position.

No financial decision is made in a vacuum. Buying a home is an investment that will impact your short- and long-term goals. For those of us who are not gamblers, and that truly is all of us, taking the time to talk to a mortgage advisor with a proven track record is important.

Just as we will only show you properties that meet your circumstances, a mortgage planner who can offer you a financing program that will support your future is extremely valuable.

It’s been our personal and professional pleasure to work

with Cindy Brown at SunTrust Mortgage.

With over 20 years in the business, Cindy has become the mortgage advisor of choice for many of our clients. Cindy is backed by SunTrust Mortgage, Inc., which recently received J.D. Powers and Associates highest ranking in


To learn more about Cindy and SunTrust Mortgage please see  Helpful Links to the right and click on

SunTrust Mortgage Preferred Lender.

 To learn what our customers say when Cindy 

and The Karen Holtzclaw CarolinaLivingTeam

are working for them, see Testimonials.

Use the mortgage calculators below to assist you in making some decisions around financing your new home.

Mortgage Qualification Calculator

This calculator will help you determine how much money you qualify to borrow. The results are informal. You will be subject to a credit approval from your financial institution taking into consideration existing debt load, amount of down payment, income and other variables.

Mortgage Payment Calculator & Amortization Table

This calculator will help you determine what your mortgage payments will be based on purchase price, interest rate and mortgage term, as well as other factors. The amortization table shows what the interest and principal payments will be over the term of the mortgage.