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Joey Milam
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Helpful Tips

Home Helpful Tips

Major Changes to Condo Underwriting Guidelines

In the last few weeks there has been major changes to the guidelines that show lenders how to approve a condo project when underwriting a […]

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Due Diligence & Earnest Money

If you are purchasing a home in North Carolina it is EXTREMELY important to know what due diligence and earnest monies are AND know the[…]

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Pre-Approvals in a Rising Rate Market

When interests rates are on the rise it’s important to keep your pre-approval letters up-to-date. Higher rates may affect your buying power so be sure[…]

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Local Lenders vs. Online Lenders

The question is often asked why using a local lender is SO MUCH better than using an online lender. While there are many answers to[…]

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Advice on Self Employment Income

Self employed borrowers are some of my favorite to work with. As a bit of a tax nerd it’s always fun for me sifting through[…]

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Testimonials

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Joey was a pleasure to work with and always called me back if I had a question or a concern! He never let me worry about anything!!! I would definitely recommend him to all of my friends and family!

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Joey was a pleasure to work with and always called me back if I had a question or a concern! He never let me worry about anything!!! I would definitely recommend him to all of my friends and family!
Doing a re fi of our house could have been stressful. Fortunately, we went with Alpha mortgage (we'd gone with them before). The person we worked with before had retired so we decided to work with Joey (we'd heard very positive "things"). We COULD NOT have made a better decision.

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Doing a re fi of our house could have been stressful. Fortunately, we went with Alpha mortgage (we'd gone with them before). The person we worked with before had retired so we decided to work with Joey (we'd heard very positive "things"). We COULD NOT have made a better decision.
Joey was very good to work with to obtain our mortgage. He was well-informed and answered all questions. The process was very smooth. The only issue we had was with the electronic signature process, which Joey worked hard to try to resolve.

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Joey was very good to work with to obtain our mortgage. He was well-informed and answered all questions. The process was very smooth. The only issue we had was with the electronic signature process, which Joey worked hard to try to resolve.
Loved working with this team. Professional and personable! Joey responded to any questions and concerns we had, with closing completed to our timeline. Highly recommended, as we will be personally recommending this team to family and friends in search of finding their next new home.

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Loved working with this team. Professional and personable! Joey responded to any questions and concerns we had, with closing completed to our timeline. Highly recommended, as we will be personally recommending this team to family and friends in search of finding their next new home.

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    Copyright© 2021. All Rights Reserved. Equal Housing Lender. Alpha Mortgage Advantage LLC. NMLS 1860353. 6329 Oleander Drive Wilmington NC 28403 910-202-6733 ZIP. Licensed by NC, NMLS B185698. Not all applicants will qualify. Nmlsconsumeraccess.org Please meet with a licensed loan originator for more information or meet with the licensed loan originator listed for more information. Rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting and program guidelines and are subject to change without notice.