Home Financing

Home Financing


Need a Home Loan? We Can Help!

home mortgage loanThe staff of J Douglas Homes and our recommended lender, Starkey Mortgage, are here to assist you with finding and financing your new home. Our goal is for your home building or purchasing experience to go as smooth as possible, from deciding on the perfect floor plan to securing construction financing and receiving the best rate possible on your mortgage.

We do not require our customers to use our recommended lender, however when you choose Starkey Mortgage you will be amazed how quickly and simply the loan process moves. Additionally, J Douglas Homes will pay up to $2000 in closing costs with an additional $500 from Starkey Mortgage, for a total of $2500 off when using our preferred lender! During the loan application process, you will be kept up-to-date regularly, and if you ever need assistance, a mortgage expert is just a phone call away and available to answer any questions you may have.

How Do I Get a Home Loan?

Completing your mortgage loan application is an important step to becoming a home owner(officially referred to as the Uniform Residential Loan Application). This is a lengthy application that documents your personal information (Social Security Number, date of birth, etc.), employment information, assets and liabilities, mortgage terms and much more. You’ll want to work with your lender to complete this application, especially for fields that relate to the type of terms of the mortgage.

Once your application has been submitted, your lender can supply you with a pre-approval letter (based on a current credit report) that outlines how much you will be able to borrow and terms of the loan.

After you have found the home you want to purchase and signed a purchase agreement for the property, you are ready to complete the application process by letting your lender know the address and property details of your future home. The lender will appraise the property to determine its market value because it will be used as collateral for our loan, then a commitment letter is issued detailing the terms of your loan approval. Once you receive and accept this, you are guaranteed the financing necessary to complete the purchase of your new home.

About Pamela Caldwell – Starkey Mortgage, Branch Manager Triad

Starkey MortgageAt Starkey Mortgage (WR Starkey Mortgage, LLP), people are key. We pride ourselves on creating loyalty and long-term relationships with our customers and our employees.

Helping families realize the dream of homeownership is my passion. Over the years, I have been able to assist many families obtain financing, many of them for the first time, and it never gets old. To me, it’s always been more than a job. The satisfaction and pride I feel each time one of my Borrowers becomes a Homeowner is indescribable. Each one is an emotional investment for me as every Borrower is more than just a loan, they are friends, neighbors & my community.

My extensive experience as a Loan Officer and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone’s story is different, so no one loan will fit everyone’s needs. My job is to find that perfect fit. Buying a home is the single most important investment we make. Although it can seem intimidating, I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust.


pamela caldwell

Pamela Caldwell

Branch Manager Triad NMLSR# 83707
NC License# I-124363
(336) 265-1159
pcaldwell@starkeymtg.com

WR Starkey Mortgage, LLP NMSLR# 2146
200 Centreport Drive, Suite 145
Greensboro, NC 27409


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