Streamline your loan process when you buy your home in Murphy NC

Buying a home is exciting, but frankly, getting a loan isn’t. It’s a necessary process if you need to borrow money to purchase your dream home. Around 60% of our closings involve a loan, so we certainly can help with the process. Remember, there is a HUGE benefit to using a local lender as opposed to a big national or out-of-town lender. Click here to read our article why.

Here’s a few things you’ll need to bring with you to speed up your loan approval process:

  1. Residence History
    • Your street address, or addresses, for the past two years.
    • If you rent, your landlord’s contact information.
    • If you own your house, your mortgage lender’s name and account number.
  2. Employment History
    • The name and contact information for any employer you’ve worked for over the past two years.
  3. Income Information
    • Your gross monthly salary and/or other income.
    • Year to Date pay stub.
    • W2’s for the past two years.
    • Signed tax returns for the past 2 years, especially if you work on commission or wish to use interest, dividends, or bonus income to qualify for the loan.
    • If self employed, bring the past two years and the current Profit & Loss statement in addition to tax returns.
    • If you’re not currently employed, bring proof of other sources of income.
  4. Deposit, Retirement and Equity Account Info
    • You’ll need statements for the past two months of all checking, savings, IRA, retirement, 401(k), stock and mutual fund accounts. Make sure the statements show your balance and account numbers.
  5. Debt Information
    • Name, contact information, account number, balance, and monthly payment(s) on all outstanding loans and credit cards.
  6. Real Estate Information
    • The address, current market value, and loan information of all real estate you own.
    • Copies of any leases on any rental property you own.
  7. Personal Property Information
    • The rough value of your furniture and other personal property including vehicles, boats, campers, etc. and their make/model.
  8. Sales Contract
    • If you already have an offer to purchase in place, bring a copy with you. Otherwise, your Realtor can forward it to the lender once you’ve found your property to purchase.
  9. Fees
    • You’ll have to pay for your appraisal and credit report with a check, so bring a couple checks with you for any fees that apply.
  10. Other
    • Government issued ID
    • If applying for a VA Loan, you’ll need military discharge papers (Form DD214) and your Certificate of Eligibility.

This article is courtesy of a contribution made by Teresa O’Blenes. She is a mortgage lender with BB&T Bank here in Murphy NC. She’s an excellent resource and can be reached at 828-837-8017.

Call The Poltrock Team – REMAX of Murphy NC –www.MyMurphy.comJohnPoltrock@gmail.comCall us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

Everyone was waving at me in your truck!

One of the best and most overlooked assets to Murphy, North Carolina is the people who live here. After having lived here for almost 10 years, they become the “norm.” It is easy to get used to them as the status quo and to forget how truly wonderful and unique every person is.

My parents came up for a week just recently and there were several occasions where my dad drove my personal truck. One day, he told me, “I’ve been waved at by more people on the way over here than I think I know in my hometown!” That statement alone made me realize just how much of a blessing it is to know all the people I do and to have as many friends and family as I’ve come to know right here in Murphy, NC.

One thing I can assure you about Murphy is that you get both the small town feel and the wonderful people. If you decide to move here or come here for a little R&R, you will find you will meet all of these wonderful people who are your neighbors, your folks from church, the clerk at the grocery store or at Wal-Mart, and just about anyone else you bump in to downtown will instantly be friendly and potentially become a friend.

So go ahead, search for that dream home, rent a vacation home, or just come and camp so you may enjoy the great atmosphere I have come to know, love, and even get so used to that it seems like the entire world is this way. Although the entire world is far from being like Murphy, here you know you have a great safe haven where you can always expect folks to wave at you as you drive down the road.

The Poltrock Team – REMAX of Murphy NC – – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

Tom and Nancy Jones Buy Their Dream Home in Murphy NC

Tom and Nancy after their Real Estate Closing in Murphy NC

We found John and Jessica Poltrock on the Internet – their website was great and the most user friendly real estate website in Murphy NC! John is absolutely amazing. He was determined to find us the home we wanted at the right price. And he did! John is very honest and pointed out things that may have turned into big problems later.  He worked overtime to help us – no man can outwork John! We will always refer anyone to John and The Poltrock Team!

Tom and Nancy Jones
Now calling Murphy NC their home

The Poltrock Team – REMAX Mountain Properties in Murphy NC – Murphy’s #1 Real Estate Team – – – – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496

High Mountain Elevation and Peaks of Cherokee County and Murphy, North Carolina NC

Mountain View of the Appalachian Mountain RangeThe mountains of Murphy, North Carolina yield spectacular mountain views that can leave any mountain lover in sheer awe. In fact, I don’t think you can ever grow tired of the mountain views that God has blessed Western North Carolina with. We are asked a lot of questions about the elevations here, and here are some answers to the many questions we receive. If you have more, please be sure to email me at and we’ll help you any way we can.

Where is Murphy in relation to the North Carolina Mountains? Cherokee County is the westernmost county in North Carolina and has wide range of elevations. Murphy boasts the Appalachian Mountains and all the beauty they offer.

What’s the elevation of Murphy NC itself? Downtown Murphy is at one of the lowest elevations in the county at 1,600 feet. It is actually situated right by Hiwassee and Valley Rivers.

What’s the highest elevation? They highest part of the county is at two different points at 5,040 feet at the corners of Cherokee, Clay, and Macon counties and at the Cherokee, Graham, and Tennessee line. Many of the extremely high summits like these are part of US Forest Service Land.

At what elevation can I get great mountain views? This is a bit of a loaded question. There are SPECTACULAR mountain views at 2,000 feet. You can see for miles and in many cases see into Georgia and/or Tennessee at 2,000 feet. Anything above that is one of the greatest icings on the cake. Are you looking for properties that have great mountain views? Search our listings, the entire Murphy NC MLS System, or use our Dream Home Finder and we’ll send you the properties that fit your wishlist!

I don’t want to be at the top of the mountain – but I want views. What can I do? If you don’t want to be on a steep mountain, fear not! We can certainly find you a property that is lower elevation looking out at the mountains. That’s the beauty of Murphy – we’ve got views like this too!

Where can I find a map of the elevations in Murphy NC? We are blessed with a great mapping department. You can view and download the map of “Predominant Summits” in Cherokee County and Murphy NC by clicking the link. It’s a large PDF file at almost 20 MB, so please be patient during the download. I can assure you it’s worth the wait!

If you need help with real estate in the Mountains of Murphy, NC, get in touch with us! You can email or call toll free 1-866-687-7496.

John Poltrock, Certified Residential Specialist – The POLTROCK TEAM at REMAX of Murphy NC – – Murphy’s #1 Real Estate Team