Greensboro, NC - July 29, 2025 - Sam Collier, Vice President of Mortgage Lending at Rate, is strengthening efforts to make homeownership more accessible for first-time homebuyers in Greensboro and surrounding areas. As housing costs continue to outpace income growth, Collier offers financial education and strategic lending solutions designed to help buyers make informed decisions in a challenging market.
Mortgage rates remain elevated, and housing affordability continues to hover near historic lows, leaving many prospective buyers uncertain about their next steps. National data highlights the shift in affordability over time: in 1970, a typical new home cost 3.2 times the median household income. By 2022, that ratio had climbed to 5.83 – an all-time high.
Amid these pressures, Collier focuses on breaking down barriers to entry through a client-focused, education-driven approach. Backed by the tools and nationwide platform of Rate, he works one-on-one with buyers to identify the best-fit loan programs, credit profile, and situation while building confidence throughout the lending process.
“We’re seeing a generation of renters who are eager to buy but overwhelmed by the numbers,” said Collier. “My job is to simplify the process, walk them through available options, and make sure they understand what’s truly possible, even in a tough market.”
Key focus areas in Collier’s approach include:
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Customized mortgage planning from application to closing
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Education on down payment assistance and rate buydown strategies
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Guidance on government-backed loan options
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Clear explanations of loan terms and timelines
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Combining local market knowledge with the digital efficiency of a national lender
Collier prioritizes tailored financial planning and education, leveraging his industry expertise and local market insights to reduce the friction for first-time homebuyers. By focusing on what buyers can do, rather than what feels out of reach, Collier equips clients with actionable options that align with their goals.
As part of the Rate team, Collier also brings the benefits of a modern digital platform that streamlines paperwork, enhances transparency, and makes communication easy at every stage. This hybrid of technology and personalized service continues to prove effective for first-time buyers seeking clarity in a complex housing market.
To learn more about Collier or to get started with the pre-approval process, please visit https://www.rate.com/loan-officers/sam-collier-1319808.
Media Contact
Company Name: Rate
Contact Person: Sam Collier
Email: Send Email
Phone: 3365012101
Country: United States
Website: https://www.rate.com/