Every NC mortgage program — under one broker.
Tom shops your loan across multiple lenders and matches you to the right program. Niche specialty (HELOC, DSCR) plus the full conventional and government menu.
HELOC
Tap up to 85% of your home's equity in days. Soft pull, no in-person appraisal, fund in as little as 5 days.
Learn more →DSCR Investor Loan
Qualify on the property's rent — not your tax returns. 30-year fixed, LLC-friendly, no portfolio limits.
Learn more →Conventional
The classic 30-year fixed, with competitive rates for buyers with strong credit and predictable income.
Learn more →FHA
Low 3.5% down payment, flexible credit guidelines, and great for first-time buyers.
Learn more →VA
Zero down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses.
Learn more →USDA
Zero-down financing in eligible rural and suburban areas of North Carolina.
Learn more →Jumbo
Financing above the conforming loan limit for higher-value homes — common in Wilmington's coastal markets.
Learn more →Non-QM
Bank-statement, P&L, and asset-depletion loans for self-employed buyers and investors.
Learn more →Construction & Renovation
One-time-close construction loans and renovation financing for major remodels.
Learn more →Not sure which program fits?
Tell Tom your scenario — purchase, refi, HELOC, investment — and he'll point you to the right product.
Or email Tom directly at thomas28403@gmail.com