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About Kevin S. McCullough
Kevin S. McCullough has over twenty (20) years of experience in mortgages, legal, and all aspects of real estate. Prior to the inception of McCullough & Associates Realty, Inc. he was a mortgage broker for almost a decade and dealt with Conventional Fannie Mae and Freddie Mac lenders, HUD and VA/FHA programs, Private and Hard Equity Lenders, Non-Conventional or even Sub-Prime Loans. Then when the market took a downturn he was hired at a law firm to handle their day to day business management and marketing.
His knowledge is extensive along with his experience from getting helping others get approved to purchase homes all the way through closing and home ownership. He is also Certified as a MILITARY RELOCATION PROFESSIONAL and really looks forward to assisting those that serve our Country. He understands military life from his Army ROTC training at Valley Forge Military College and is very easy to communicate with via email. He has had dealings in property management overseeing multiple rental properties at a time and even has many commercial clients that utilize him for property acquisitions and then often times the leasing of those spaces. He is experienced with Retail Spaces as well as a variety of Warehouse and Industrial Properties.
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Real Estate Glossary Terms
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Progress Payments
In a construction loan, payments made to a contractor as the various construction stages are completed. The contractor uses progress payments to pay the various subcontractors and suppliers as construction proceeds. For example, a bank gives a contractor a $125,000 construction loan. It pays $30,000 ...
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Fellow, Society Of Actuaries (fsa)
Designation earned by passing 10 national examinations on subjects including mathematics of life and health insurance, actuarial science, insurance, accounting, finance, and employee benefits. Examinations and course materials are prepared and administered by the Society of Actuaries. ...
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Future Insurability Guarantee/future Increase Option
Option clause in a disability income policy that the insured can exercise that would permit the insured the right to purchase additional limits of coverage regardless of the insured's physical condition. These additional purchases are limited by the insured's age and a maximum dollar amount, as well ...
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Other Insureds
Individuals or organizations covered by property and liability insurance other than the named insured. For example, under the personal automobile policy (pap), other insureds under Coverage A Liability are the named insured's spouse, other relatives living with the insured, and any other person usin ...
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Savings Element, Life Insurance
Buildup of policy cash value, as distinguished from the death benefit. A policyholder has a choice between surrendering the policy for its cash surrender value or keeping it in force for its death benefit. The rates of return on cash value policies, such as whole life insurance, universal life, or v ...
Real Estate Advice
Homebuyer Tips
Pros And Cons Of Living In Huntersville NC
Before you move to a new city, you’re going to want to feel like you know the city. You’ll want to know every little detail, from what the best restaurants are to how much a home costs to whether or not it’s crime rates are high. Before you move, you’ll want to know it all. This is just a normal part of moving to a new town! Now, let’s ...
Homebuyer Tips
Living in a big city is great in many ways. You have unlimited access to different business and job opportunities, and it can never get too monotonous or boring. Big cities never sleep. There is always movement and activity. There is always something to do, and a fast-paced environment requires you to be on your feet all the time if you want to keep up the pace. The ...
Homebuyer Tips
Pros And Cons Of Living In Alpharetta GA
When you begin to toy with the idea of relocating to a new city, no matter how many cities are initially on your list of potential new homes, there is always one that comes out triumphantly in the end. That is the city that fits your family’s lifestyle the best and meets all your expectations for a new hometown. A place where you and your family will fit in, ...
Homebuyer Tips
Buying a home has always been one of the most important financial decisions we had to make as we worked our way up on the social ladder. It is a decision that is not taken lightly and for some people, it can be stressful, but exciting as well. The unique feeling you get when you reach the doorstep of your own home is unmatched and you get a genuine sense of ...
Homebuyer Tips
There are a lot of cities on Florida’s Gulf Coast. In the panhandle, the city of Pensacola is known for its historic air base, as well as being a surprisingly affordable place to live. Further down the coast, the city of Tampa has gained a reputation as one of Florida’s most attractive young metropolitan cities, experiencing rapid population growth in recent ...
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