Hi, I’m Michael Wolff—your Raleigh mortgage nerd-in-residence.
Since 2004 I’ve helped first-time buyers, investors, military borrowers, and folks building or renovating get from “what do I even do?” to keys in hand—using real Raleigh numbers, not internet myth. Licensed in NC, VA, GA, FL, CA, and TN.
- Plain-English answers, fast. No fluff, no scare tactics.
- Payment math that includes Wake taxes & insurance (the “gotchas”).
- Side-by-side options: VA, FHA, Conventional, C2P, Renovation.
NMLS #239403 · Go Rascal, Inc. NMLS #2072896 · Equal Housing Lender
🏠Start Here🏠
You don’t need another generic mortgage blog. You need Raleigh math, plain English, and a plan you can act on. This hub is your jump-off point—built from real buyer questions and real numbers I use every day in Wake County.
- Raleigh Buyer Roadmap: A step-by-step path from budget to keys—no mystery deadlines, no wishful thinking.
- Q&A Answers: Short, practical posts to the exact questions buyers keep asking (payment, credit, programs, timelines).
- Real Numbers: Payment breakdowns that include Wake County taxes, insurance, and the levers to reduce total cost.
Whether you’re a first-timer, self-employed, using VA, or building new, start with the Roadmap, then dive into the Q&A for fast, focused answer-— then use the Q&A to get surgical.
Choose your path
Raleigh Home Buyer Roadmap
Step-by-step from budget to keys. Built with Raleigh taxes, insurance, and timelines—not generic internet math.
Start here →Q&A Hub
Short, punchy answers to real buyer questions. Updated with local numbers and plain-English takeaways.
Browse answersPayment & True Costs
What your monthly really is in Wake County—P&I + taxes + insurance + HOA + MI. Dials you can turn to lower payment.
See the real mathSelf-Employed Path
Tax returns, add-backs, and how to present income so underwriting says yes.
Get the playbookVA Loans in NC
Use your VA benefit the smart way in Raleigh—payment math, appraisal quirks, and winning offers.
Explore VA loans in NCConstruction & Renovation
Plain-English comparison: construction-to-perm vs renovation loans, timelines, and cash-to-close.
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