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Stop doom-scrolling through Zillow and assuming you’re priced out of the Triangle real estate market. The headlines want you to believe that without a 20% down payment and an 800 credit score, you’re stuck renting forever—but the actual math tells a different story. In our next episode, we are cracking the door open on the specific, often-overlooked programs that are helping normal people buy homes right now, even in this economy.
We are joined by Christopher Coy, Vice President and Senior Mortgage Loan Officer at TowneBank Mortgage in Raleigh. Unlike big-box online lenders who treat you like an algorithm, Chris is a local expert who specializes in “hacking” the system for first-time buyers and self-employed professionals. He’s coming on the show to debunk the biggest myths in lending and reveal why a local pre-approval letter might be the secret weapon that gets your offer accepted over the competition.We dig deep into the “cheat codes” of homeownership that banks rarely advertise. Chris breaks down how the NC Home Advantage program can cover your down payment, why you might qualify for 0% down with a USDA loan just outside the city limits, and why your credit score is likely already good enough to get started. We also discuss the “fixer-upper” strategy—how to buy a cheaper home and borrow the renovation costs in a single loan—so you can stop fighting over turnkey houses and start building equity.
Don’t let fear of the unknown keep you paying someone else’s mortgage. Tune in to hear why the path to your front door is shorter, cheaper, and easier than you think. Whether you are looking to buy your first home in 2026 or refinance the one you have, this conversation with Chris Coy will give you the blueprint you need to take action.
L
inda Craft Team, Realtors, they have been serving people in the real estate world for more than 40 years.
And in so doing their customers rave about them, by saying they have “legendary customer service”.
When you have customers from more than 40 years ago still stopping in to say “hello” and “thank you” that says there is something special about Linda and her dedication to her clients and her team.
When you are ready to sell or buy why not start with Linda Craft & Team, www.LindaCraft.com