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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 FAQ
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What Is The Average Home Price In Land O Lakes Florida?
Land O’Lakes is a CDP(census-designated place) located in Pasco County Florida, in the Tampa B ...
Real Estate Advice
Agent Advice
Between Family And Real Estate: Finding Balance As An Agent
It’s hard to understand the struggles and the demands of the real estate industry when you are outside of it. When was the last time you’ve been told that you are so lucky to have such a flexible schedule as a real estate agent? We both know that is an understatement because, in reality, finding balance in life while working as a real estate agent is more ...
Homebuyer Tips
Best Small Towns To Live In, North Carolina Edition
There’s a lot to be said for living in a small town. While they may not have the glitz and glamour of metropolitan megacities, small towns have a lot of perks that may not be immediately apparent but are very attractive none theless. While there’s plenty to be said for living in a big city, (some prefer it) it isn’t for everyone. If you’re ...
Homebuyer Tips
This is it. For the past weeks or months, every day has been at least partially spent thinking of, preparing for or planning this fateful day. You’ve laboured long and hard to make sure it comes without incident, and now all your hard work is finally going to pay off. What is this day, you ask? It’s closing day, baby. Now, there’s still a lot ...
Homebuyer Tips
So, you’re thinking of making the city of Clermont your new home. We get it; there are a lot of reasons why you might want to live here! With its beautiful weather, long list of attractions, gorgeous surroundings and exceptionally healthy job market, you’d be forgiven for thinking it’s about as close to being heaven on earth as we can get! But this ...
Homebuyer Tips
Buying A Home In High Point NC
Homeownership is a big step forward from living as a tenant and moving from one place to another. At some point, we all get tired of renting, and we decide it is time to become our own boss and find a stable place we can call home. Buying your first home is a great achievement, but the process does have its difficulties. A home purchase is strongly connected with the ...
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