Loan Programs

Flexible options to fit your goals

Loan availability and eligibility vary. A short conversation is usually the fastest way to know which of these fits.

Conventional

Flexible financing for qualified borrowers purchasing or refinancing a primary residence, second home or investment property.

Who it's for Buyers with established credit and a down payment ready to go.

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FHA

Government-insured financing that may offer flexible credit and down payment options for eligible borrowers.

Who it's for First-time buyers and those building credit history.

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VA

Benefits for eligible veterans, active-duty service members and qualifying surviving spouses.

Who it's for Veterans, active-duty service members and qualifying surviving spouses.

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USDA

Financing for eligible properties and qualified borrowers in designated rural and suburban communities.

Who it's for Buyers looking outside the immediate beach corridor.

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Jumbo

Financing solutions for loan amounts that exceed applicable conforming loan limits.

Who it's for Buyers financing above conforming limits, often on the water.

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Refinance

Explore options that may help adjust a rate, term, payment structure or access available equity.

Who it's for Current owners reconsidering rate, term or equity.

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Common Questions

Answers before you apply

How long does the process usually take?

Timelines vary with the property, the program and how quickly documentation comes together. We set expectations at the start and update you as each milestone clears.

What documents should I gather first?

Income documentation, recent bank statements and identification are a good starting point. We will send a specific checklist once we know which program fits.

Can I get pre-approved before I find a home?

Yes. A pre-approval clarifies your budget and strengthens your position with sellers on the coast, where well-priced listings move quickly.

Do you lend outside of Wilmington?

We work throughout coastal North Carolina, including Brunswick, New Hanover and Pender counties. Availability varies by program and property.

How is my rate determined?

Rates depend on market conditions plus loan-level factors such as credit profile, loan amount, property type and down payment. We will walk through what moves yours.

What happens after I apply?

Your file moves to processing and underwriting with the team coordinating documentation. You receive updates at each stage through closing.

Let's get you home

Start the conversation today and we'll map the path from where you are to closing day.

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