Simple loans for
your dream home
Get tailored services and unmatched rates to secure the ideal mortgage for your home.
Discover the benefits
of working with us
as simple as it can be
Get a great deal with ease
Clear communication
We keep you informed every step of the way, so you’re in the know at all times.
experience is key
Mortgage veterans
Leverage decades of industry expertise to confidently navigate the mortgage maze.
Today’s mortgage rates
Explore the latest rates and lock in the right one for you.
Rates as of October 24, 2026
See assumptions
Loan Products
Explore a range of loan types designed to fit your exact financial needs.
Hear from our happy customers
Read real stories and find out why our clients trust us with their financial goals.
Couldn’t have done it without you
Today we closed on our house and I must leave a shoutout for Nick Moats!! Nick guided us through the entire process and took care of all the heavy lifting. Couldn’t have done it without you Nick!
Amanda W.
Homebuyer
Turn around time is very fast
Dylan and his team are amazing. I use him for most of my clients loans as well as my personal purchases. The application process is easy, pre approval turn around time is very fast and communication is great.
Makayla M.
Realtor
A wonderful experience
Working with Dylan was a wonderful experience for us as first time homebuyers. [...] Dylan made a daunting process feel much easier, and I highly recommend working with him especially for first time buyers.
Megan L.
First-time homebuyer
Support and guidance from start to finish
Kevin’s support and guidance from start to finish was extraordinarily diligent and reassuring. [...] The experience felt like I was receiving concierge assistance in accomplishing my financial objectives.
Danny M.
Homebuyer
Highly recommend
I'm a local Realtor in the Charlotte, NC market and have had the pleasure of working with Nick Moats on multiple transactions. [...] Nick will meet clients if needed and is flexible all hours of the day and even weekends if you need help with anything. [...]
Ethan W.
Realtor
He went above and beyond
As someone who works in an industry that demands impeccable customer service and attention to detail, Donney Kirby is nothing short of extraordinary in those categories. [...] Donney is the only person I will ever recommend when it comes to anything involving loans/mortgages. Thanks Donney!
Shaefer S.
Homebuyer
Did an excellent job
Kevin Crigler with Clear Point Home Loans did an excellent job keeping me informed about all the details of the loan process. It's a very intimidating process for someone like myself that knows nothing about the ins and outs of the lending process. [...] Thanks man!
Chris W.
Homebuyer
I couldn't be more satisfied
I enjoyed working with Dylan Kirby, he helped me secure my first home purchase. [...] What truly amazed me was Dylan's ability to overdeliver on his promises by responding to my late-hour inquiries, demonstrating his commitment to his clients.
Andres M
Homebuyer
A delight to work with
It was an absolute pleasure to work with Dylan! He was clear, concise, and more than willing to go the extra mile to help us with purchasing our new property. [...] Look no further, Dylan is your guy!
Lindsey C.
Homebuyer
(considered) five different mortgage brokers
He took the time to patiently explain every detail, ensuring I had a clear understanding of the entire process. [...]
Faisal S.
Homebuyer
By far the most invested in getting us the best deal
Dylan gave us insight from his experience without pushing us to make certain decisions. We were working with other lenders in the process but Dylan was by [...]
Mina W.
Homebuyer
I shopped around and spoke with many lenders [...]
from some of the top Mortgage sites and they had the best rates and fees I could find. I used them for my 4th home purchase and working with them was the best.
Ross T.
Investor
Made the process easy
Dylan went above and beyond to make sure I had everything I needed and wasn't waiting till last minute to look or secure other items throughout the process and made sure to provide educational tools or resources.
Rashmy D.
First-time Homebuyer
A wonderful experience
He talked us through every step of the process and was always available to answer questions or clarify anything we didn’t fully understand. He also helped us secure the lowest possible interest rate compared to multiple other
Megan L.
Homebuyer
Pre-approval
Jumpstart your home buying journey
- Maximize your buying power
- Know your borrowing potential
- Make your offer stand out
- Close with ease
Meet our team
Our Mission
We put your needs first at all times
Our mission is to simplify your mortgage experience, offering the transparency and respect you deserve. Getting a mortgage can feel overwhelming. That's why we focus on providing clear, honest guidance to our clients.
Read about us
Frequently Asked Questions:
Is refiancing right for me?
That depends on your financial goals. Common reasons to refinance include:- Lowering your monthly payment
- Reducing your interest rate
- Paying off your loan faster with a shorter term
- Accessing cash from your home’s equity (cash-out refinance)
How long should I plan to stay in my home after refinancing?
You’ll want to stay at least until you reach your break-even point — the time when your monthly savings outweigh the upfront costs of refinancing. If you move before then, refinancing may not make financial sense.
What types of refiancing are available?
- Rate-and-term refinance – Adjusts your interest rate and/or loan term.
- Cash-out refinance – Lets you replace your mortgage with a larger one and take the difference in cash for things like renovations or debt consolidation.
How much does refinancing cost?
Closing costs typically range from 2% to 6% of the new loan amount. These may include origination, appraisal, and title search fees.
Can I avoid paying closing costs upfront?
Yes. Some lenders offer no-closing-cost refinances — but those fees are usually rolled into your loan balance or exchanged for a higher interest rate.
Will refinancing hurt my credit score?
Your score may dip slightly due to the hard inquiry, but it typically recovers quickly as you make on-time payments on your new loan.
How do I qualify for a mortgage?
Lenders evaluate your financial health based on four main factors:- Credit score – Higher scores reduce lending risk and may lower interest rates. Conventional loans typically require 620+, FHA loans may allow lower scores.
- Debt-to-income (DTI) ratio – The percentage of your gross monthly income that goes toward debt payments. Most lenders prefer below 36%.
- Income & employment history – A stable, consistent income is preferred, usually two years of consistent work. Self-employed borrowers need extra documentation.
- Assets – Savings for a down payment and closing costs, verified through bank and investment statements.
What types of mortgages are available?
- Fixed-rate mortgage – Same interest rate and payments for the life of the loan, offering predictability.
- Adjustable-rate mortgage (ARM) – Fixed rate for an initial period, then fluctuates. Lower initial payments but potential for rate increases.
- Conventional loan – Not government-backed; stricter requirements but flexible options.
- FHA loan – Insured by the Federal Housing Administration, allowing lower down payments and flexible credit requirements.
- VA loan – For eligible veterans, service members, and spouses; often no down payment required.
- USDA loan – For low-to-moderate income buyers in designated rural areas; may require no down payment.
How long does it take to close on a home?
The process usually takes 30 to 60 days, depending on underwriting, appraisal, and other requirements.
What documents do I need to apply for a mortgage?
- Proof of income (pay stubs, W-2s, tax returns)
- Bank and investment statements
- Identification
- Details of your current mortgage (if refinancing)
Mortgage insights and tips
Explore our blog for the latest tips, trends, and mortgage insights.
Understanding Charlotte Mortgage Rates: What They Are & How They Impact Your Home Buying Power
When you’re buying a home in Charlotte, NC, few numbers matter more than your mortgage rate. That small...
Josh Hankins
President
November 5, 2025
Ready to find the right loan for you?
Know where you stand before you start. Once you’re ready to begin your home buying journey, we’re here to help you get pre-approved with ease.
