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See what you qualify for
Tell us where you are in the process. We lead with government loans and down payment assistance when they fit. Your message goes straight to Jodi's team.
Who we serve
Start with the household that sounds like you.
- First-time buyersA clear plan, with down payment assistance and government loans when they fit.
- Veterans & military familiesVA home loans for buying or refinancing anywhere in North Carolina.
- Buyers using down payment assistanceLifeStart on FHA, VA, and USDA: 3.5% that can be forgiven, or 5% repaid monthly.
- FHA & USDA buyersLower down payment options. We compare both before you apply.
- Section 184 eligible buyersFor eligible Native American tribal members buying in North Carolina.
- Self-employed borrowersBusiness owners and 1099 earners. We use the paperwork that shows your real income.
- Investors & mid-term rentalsLoans for rentals and mid-term rental homes.
- Homeowners refinancingLower your payment, change your term, or take cash from your equity. We show if it is worth it before you apply.
- Building a homeFinancing while your home is built, then one mortgage when it is done.
- Jumbo & conventional buyersFor strong credit or higher-priced homes.
Where we serve
North Carolina markets — Concord first, then Charlotte and nearby cities.
Flagship
Nearby cities
Loan programs
Government loans & down payment assistance
Purchase & specialty programs
Refinance & home equity