3 Easy Steps to Home Ownership

You don't have to be a mortgage expert to know where to begin. At Towne Mortgage of the Carolinas, we give you the resources to make your home financing experience a success. Whether you are looking to buy your first home, upsize or downsize your current home, or refinance, the mortgage experts at Towne Mortgage know how to get you started.

3 Easy Steps to Home Ownership

  1. Talk to a Towne Mortgage of the Carolinas Loan Officer
    Find out about the loan products, rates, and pricing that are available for your specific situation
  2. Pre-qualify for a Mortgage
    Once you know how much home you can afford, home shopping becomes a much easier process! 
  3. Apply Online
    When you have your property selected, it's time to complete the full loan application required by law. This will ask all of the detailed information that a loan officer needs to qualify you for a specific program.

We invite you to get started today with all of the mortgage tools you need at your fingertips. However, our personal touch is never more than a phone call away. Get started with on of our highly experienced Lending Managers. Our experience will make your experience better! 

Josh Smith Broker Specializing in Chapel Hill, Durham and Chatham County

I happily grew up in the mountains of North Carolina and developed a passion for outdoor activities at a young age. Snow days, nights(yes, there is night skiing in N.C.) and many weekends were filled with the happiness that being on the snow provided. Having now lived in Chapel Hill for 13 years, being married to a Chapel Hill native and actively involved in the community, I have developed a great understanding of the unique communities in which we live and the sense of community that pervades this area.

In my first fiscal year of Real Estate, I was a multi-million dollar producing agent. A  rare feat that most first year agents never attain.

Also, I was nominated for the Greater Chapel Hill Association of Realtors Rising Star Award.

  • Direct: 919-573-4575
  • Cell: 919-883-6076
  • Fax: 919-313-8607
  • Email: smithj@hpw.com

© 2017 Coldwell Banker Howard Perry and Walston
Realtor® Equal Housing Opportunity