Charlotte & Union County, North Carolina

Mortgage Broker in Charlotte, NC

I'm an independent broker based in Waxhaw, 19 years in, with access to more than 200 lenders. That matters most when your file isn't the simple one — self-employed income, an investment property, a denial somewhere else.

Start Your Application Call (704) 287-8746

One lender's guidelines aren't the market

Most buyers in this market talk to one lender. Whatever that lender says becomes the answer — how much house you can afford, which program you're in, whether you qualify at all. If your income is straightforward and your credit is clean, that's usually fine.

It stops being fine the moment your file has a wrinkle. I had a purchase three weeks from closing when the lender's reading of a conventional guideline killed it. Because I'm a broker, that wasn't a dead loan — we moved it, transferred the appraisal, restarted, and closed in seven days, on the original contract date. Nothing clever happened. I knew where else the file could go.

Another borrower, self-employed, had already been told no by four lenders before she called me. There was no trick to it. I just had more places to look.

More about how I work →

What Charlotte buyers actually call me about

Every one of these is a program I place regularly, not a list copied off a lender's website.

DSCR loans in CharlotteQualify a rental on its own income. No tax returns, no personal DTI ceiling. Self-employed mortgages in CharlotteBank statement programs that read deposits instead of write-offs. First-time buyer loans in CharlotteNC Home Advantage, down payment assistance, and a straight answer on what you need. Jumbo loans in CharlotteWeddington and Marvin price points, without the bank's one-size box. Construction loans in CharlotteNew builds across Union County, including one-time-close options. Physician loans in CharlotteLittle down, student debt handled sanely, no mortgage insurance on the right program. Non-QM loans in CharlotteAsset depletion, P&L only, ITIN, recent credit events. Refinance in CharlotteRun the break-even honestly. If it doesn't pay, I'll tell you that.

Where I work

I'm in Waxhaw, so Union County and south Charlotte are home. I take files anywhere in North Carolina and in 11 states total.

WaxhawWhere I'm based. Union County, right up against the state line.
WeddingtonLarger lots and higher price points — jumbo territory more often than not.
MarvinSmall, expensive, and almost always a jumbo or portfolio conversation.
Wesley ChapelFamilies trading up out of south Charlotte for space and schools.
Indian TrailOne of the busiest first-time-buyer markets in the county.
StallingsSits between Matthews and Indian Trail — a lot of first moves happen here.
MatthewsEstablished, walkable town centre, steady resale market.
MonroeThe county seat. Wider price range than anywhere else out here.
Mint HillEast side, quieter, a mix of resale and newer construction.
BallantyneSouth Charlotte proper — condos, townhomes and move-up buyers.
One thing worth saying out loud: I'm not licensed in South Carolina. The state line runs right through the bottom of this market, so if your search takes you to Fort Mill, Indian Land or Rock Hill, I'll refer you to someone licensed there rather than string you along. Everything on the North Carolina side, I can do.

Questions I get from Charlotte buyers

Do you work with buyers across the whole Charlotte area?

Yes — Mecklenburg and Union County are where most of my local business is, and I take files anywhere in North Carolina. I'm licensed in 11 states in total, so a move out of the area doesn't mean starting over with someone new.

Can you help me buy in Fort Mill or Rock Hill?

No, and I'd rather say so plainly than waste your time. Those are South Carolina and I'm not licensed there. If your search crosses the state line I'll point you to someone who is — the border runs right through this market and plenty of Waxhaw and Ballantyne buyers end up looking at both sides.

What makes a broker different from the bank I already use?

A bank can only sell you what that bank offers. If your file doesn't fit their box, the answer is no — and that no tells you nothing about whether the loan is actually doable. I have access to more than 200 lenders, so a decline from one of them is a routing problem, not a verdict.

I'm self-employed. Is that going to be a problem in this market?

It's usually the opposite of a problem — it's just a different program. Your tax returns show what you wrote off, not what you earn. Bank statement programs qualify you on deposits instead, and they exist precisely because good business owners look poor on paper.

How fast can you close in Charlotte?

Standard is 21 to 30 days and most of my files land in that window. I've closed a purchase in seven days when a contract date was at risk. Speed comes from knowing which lender to send a file to the first time, not from rushing anyone.

Let's look at your actual numbers

No pressure, no obligation. If what I have doesn't fit you, I'll say so.

Start Your Application Call (704) 287-8746