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Carl Holman

Director of Communications and Content at A&D Mortgage, LLC and 1 other company
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As A&D Mortgage’s Communications Manager. Carl Holman has more than 25 years of expertise in marketing, media relations, and communications, having spent 10 years of his career in mortgage lending and real estate. He holds a Bachelor’s in Journalism and Mass Communications from the University of South Carolina.

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  • Non-QM Mortgages: A Solution for Self-Employed and Gig Workers
    Carl explains that Non-QM loans cater to self-employed, gig workers, and investors with complex incomes. These loans offer alternatives like bank statement and DSCR loans. While interest rates may be higher, they provide flexibility for those unable to provide tax returns. The availability of these loans has grown with the gig economy, offering competitive terms for financially stable borrowers.
  • Essential Real Estate Terms Every First-Time Home Buyer Must Know
    Carl emphasizes the importance of knowing terms like "escrow" and "earnest money." Misunderstanding these can lead to financial pitfalls. He says, "Grasping the jargon empowers buyers to make informed decisions," helping avoid surprises like unexpected costs or losing deposits.
  • Mortgage Recasting: A Smart Move Amid Rising Interest Rates
    Satish explains that mortgage recasting lets borrowers "lower monthly payments without changing interest rates or loan terms." It's ideal for those with a lump sum, offering a cost-effective alternative to refinancing. While not all lenders offer it, recasting is beneficial when current rates exceed your loan's rate, improving cash flow while maintaining favorable conditions.
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