Mortgage Broker in Charlotte, North Carolina for VA, FHA, USDA, Jumbo and Conventional Loans

Conventional mortgage loan Charlotte, North Carolina

When looking for a Conventional loan, most people are looking for a great rate, service with a personal touch, and an easy process. With The Cain Mortgage Team, we can typically match or beat most companies rates and no one will beat our service. As you can see from over 100 of our 5 star reviews online, our clients experience was second to none! Everyone has the cell phone number as the primary point of contact and are able, and encouraged, to call or text this number at any time.

Mortgage refinancing in Charlotte, North Carolina

With rates at an all-time low, many people are trying to determine if now is the time to refinance. Refinancing can save homeowners thousands of dollars over the life of the loan, so it is very important not to delay if the decision to refinance makes sense. There are several factors to consider when making this decision. When trying to determine if this is the best time to refinance, the first item to understand is how much equity there is in the property. The loan to value is a huge factor in your ability to include your closing costs in the loan. As long as there is more than 5% in equity, most of the closing costs can be included in the loan.

VA loan in Charlotte, North Carolina

A VA loan is designed to offer long-term financing to Veterans and Active Duty members in all branches of the Military. VA Loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. It is generally easier to qualify for a VA loan than Conventional loans, and VA loans require no down payment. We offer a more consultative approach and look at the bigger picture to make sure all decisions are made with the client’s long term goals and vision in mind. Also, when working with the Cain Mortgage Team, you become a long term client and we have a relationship that extends beyond the transaction. With many other Lenders, you will never speak with that person again and definitely won’t have the ability to talk or text after business hours during the process. Also, we charge no fees on VA loans which will save the client at least $1000!!

FHA loan in Charlotte, North Carolina

The primary goal of the Federal Housing Administration (FHA) is to improve the housing market and protect lenders in the event a borrower defaulted on their mortgage. The FHA has grown to become the largest insurer of mortgages in the United States. The Cain Mortgage Team is committed to helping our clients with all of their Charlotte FHA loan needs. Whether you are purchasing your first home, or looking to refinance your current FHA loan at a lower rate, the Cain Mortgage Team can help. Although there are many companies that offer FHA Loans, it is always a great idea to shop for your FHA loan since there is typically a wide disparity between what companies offer.

USDA loan in Charlotte, North Carolina

The goal of the United States Department of Agriculture (USDA) is to improve the market for Rural areas in the United States, and protect Lenders from those who default on their mortgage. The USDA loan is one of the top loans offered in the US and allows for 100% financing. The Cain Mortgage Team has excellent rates for USDA loans in Charlotte and the entire state of North Carolina.

Jumbo loan in Charlotte, North Carolina

Jumbo mortgages are available for primary residences, second homes, vacation homes and investment properties. They are also available in a variety of terms, including fixed-rate and adjustable-rate loans. A Jumbo loan will typically have a higher interest rate, stricter underwriting rules and require a larger down payment than a standard mortgage. Depending on your location in North Carolina, the Jumbo loan limits will vary. As a rule of thumb the limit on conforming loans is currently $548,250 in most areas. If you are in the market for a Jumbo loan, please reach out to us at  704-368-3689. We are ready to find the best possible Jumbo option for you as well as helping with refinancing!

Mortgage lender near Charlotte

Contact the Cain Mortgage Team today to help you get the right mortgage loan to fit your needs.