Your Gateway to Homeownership

Navigating First-Time Buyer FAQs
Our Services
Home Search & Home Financing Consultation
The Sherry Riano Team is delighted to join forces with your agent to present a seamless, one-stop-shop experience for first-time home buyers. Together, we are committed to simplifying the home search and financing journey, offering complimentary consultations to guide you every step of the way. Our collaboration ensures you receive the expertise and support necessary to make your first home buying experience smooth and successful.
Endless First Time Home Buyer Resources
At The Sherry Riano Team, we equip first-time homebuyers with a wealth of resources to streamline their homebuying journey. From relocation information and detailed area and community reports to comprehensive mortgage guides, we've got you covered. Furthermore, our user-friendly calculators can help you determine your affordability range, ensuring you find a home that fits comfortably within your budget. Our commitment is to empower you with knowledge, facilitating an informed and confident home buying decision.
Award Winning Service and Proven Experience
Recognized for delivering award-winning service, The Sherry Riano Team brings to the table over 40 years of combined expertise in the mortgage field. We take pride in being the trusted choice of hundreds of individuals for their mortgage needs. Leveraging our vast experience and commitment to excellence, we ensure a seamless, efficient, and personalized mortgage process. Choose us to experience the difference that seasoned expertise and dedicated customer service can make in your home buying journey.

Why we win more deals than our competition

In the competitive landscape of mortgages, The Sherry Riano Mortgage Team stands out distinctly, winning more deals for a reason. Our approach is personal and tailored to each individual because we understand that every story is unique, just like mortgage needs. Plus, we prioritize safeguarding your credit. Instead of you shopping around and potentially dinging your credit with every inquiry, we rate shop for you across multiple banks, ensuring you get the best rate with minimal impact to your credit.

Reasons Why We Stand Out

  • Personalized Solutions: No "one size fits all" here. We cater mortgage options based on your individual story and financing needs.
  • Protect Your Credit: We rate shop for you across 25+ banks and lenders, preventing multiple hard credit inquiries.
  • Custom Mortgage & Cost Comparisons: Get a clear picture with our tailored comparisons.
  • 20 Day Closings: Stay competitive with our swift closing processes.
  • 24/7 Loan Progress Monitoring: Stay informed every step of the way with real-time loan tracking.
  • Quick Pre-Approvals: Get a jump start with pre-approvals in as little as 15 minutes.
  • Efficient Closings: Experience a seamless journey with our streamlined closing processes.
  • Local Support: We're right here with you, providing support when you need it most, even late nights, weekends, and holidays.
You Asked, We Responded
What kind of first time buyer resources do you provide?
NC Housing:
Through our partnership, eligible buyers can receive a $15,000 down payment assistance credit.
North Carolina Housing Finance Agency (NCHFA):
The NC 1st Home Advantage Down Payment provides eligible first-time home buyers and military veterans with $15,000 in down payment assistance
We also have numerous home financing comparison calculators and additional resources to offer. See below for more details.
Will my credit drop If I apply?
To provide you with a pre-qualification letter, we necessitate conducting a thorough credit inquiry. This is a crucial step to ensure you're adequately prepared for the home buying process before committing any due diligence funds. It's important to note that not all credit inquiries are created equal; a mortgage-related inquiry has a different impact on your credit score compared to opening a personal line of credit such as a credit card or auto loan.
Why should I apply with your team?
With over four decades of lending expertise in multiple states, The Sherry Riano Team is a trusted partner in the homebuying journey. We're committed to upfront due diligence and stand by our offers, ensuring a smooth and secure transaction for our clients. Our team, ranked among the top 1% of lenders nationwide, simplifies mortgage acquisition, making it the easiest part of your home buying process. Let's connect to discuss your financing or refinancing needs.
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What if I am already pre-approved with another lender?
Should you have already obtained a pre-approval from another lender, yet wish to explore further, we invite you to utilize our Second Look Program. This service provides a comprehensive review of your Loan Estimate without necessitating any additional credit inquiries, thereby offering a valuable second opinion without affecting your credit score.
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How do I get started?
We invite you to commence your journey by filling out the application via the button below. This initial step allows us to gain a comprehensive understanding of your unique purchase scenario, enabling us to tailor our loan products and options to best suit your needs.
Apply Now
Popular Resources
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Relocation Assistance
Thinking about moving to the Triangle North Carolina area? Checkout our exclusive area specific relo guides.
Learn More
Mortgage Calculator
This powerful tool helps you quickly and easily calculate your monthly payments and total interest for any loan or mortgage.
Learn More
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Buyer Area Reports
Find the balance between your finances and lifestyle by knowing when and where to buy and understanding your buying power.
Learn More
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Mortgage Application Checklist
This detailed guide is designed to streamline your application process, ensuring you have all the necessary documents at your fingertips.
Learn More
Mortgage Process Roadmap
This step-by-step guide demystifies the mortgage journey, providing you with clear directions from application to closing.
Learn More
Your Dedicated Team
Get to know your local real estate and mortgage team.
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Ginger and Co LogoThe Sherry Riano Team at Clear Mortgage Logo
sheryll wade
Ginger Vereen Peters
Team Leader | Real Estate Agent
Ginger & Co.
After graduating from East Carolina University with a degree in finance, Ginger embarked upon a career in Real Estate. Recognizing that her strengths are in leadership, she launched Ginger & Co. in 2013, which has quickly become an award-winning team, recognized by Keller Williams and colleagues, alike. In 2014, she was selected by Realtor magazine as one of the nations coveted "30 under 30", and a Keller Williams Rising Star. To serve our clients to the fullest capacity, Ginger has created a team of skilled individuals, each with their own set of expertise, designed to accomplish amazing results. To date, Ginger & Co. has sold over $265 million in Real Estate sales and has assisted more than 1200 clients with their Real Estate goals!
Hunter boyd
Sherry Riano
National Sales Director
NMLS ID # 71774
The Sherry Riano Team
With over 20 years of experience in the mortgage industry, Sherry Riano exudes a deep passion for helping families in North Carolina financially obtain their dream home. With a specialized approach to self-employed borrowers, first time homebuyers, jumbo loans, and VA loans, Sherry is a knowledgeable advocate for every customer she partners with. Noted as a top producer in the country, including being nationally published, Sherry is the rockstar every future homeowner needs on their side!
Owning a home is a keystone of wealth... both financial affluence and emotional security."
Suze Orman
Ready to start your home financing journey? Book a complimentary phone consultation to get started.
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