Best North Carolina Mortgage Lenders
Browse 15 top-rated mortgage lenders in North Carolina as of March 27, 2025. See lender reviews, ratings, and investment specialties.
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Hard/Private/Non-QM
Base Requirements: - 700+ Credit - $200,000 As-Is Minimum Specializes in being a proven scaling mechanism for Real Estate Investors Nationwide. Wrapped-Interest Payments, Up to 90% LTV & Advanced Draws Available. At Above PAR Capital, our true investment is our clients. We cover Fix & Flips, Long-Term Holds, Ground-Up Construction, & Bridge Loans on almost anything Residential 1-4 Units. With our leverage-driven model, creative loan structuring, & dedicated team of experts - we’re... view more -
NMLS # 1990118
Hard/Private/Non-QM
LendSimpli is a nationwide, direct private lender headquartered in Tampa, FL. With a laser focus on DSCR Loans, LendSimpli's experienced team prides itself on its competitive programs, clear and transparent communication whilst working with new and experienced investors - helping them to achieve financial freedom. LendSimpli's DSCR program is defined by several factors - minimum asset value of $100,000, minimum loan amount of $75,000. Property cannot be rural and must have sales and rental... view more -
NMLS # 133519
Conventional & Gov.
Hard/Private/Non-QM
Not just any lender, theLender! 🌟 We're proud to boast a 4.8 Customer Satisfaction Rating, supported by over 1000 reviews from our satisfied clients. 🏆 Since 2019, our expertise in RESIDENTIAL INVESTMENT PROPERTY financing has led us to successfully fund over $9.4 billion in loans, helping more than 30,000 customers grow their real estate portfolios. 📈 At theLender, we recognize that unique financial needs require tailored solutions. That's why we offer a range of loan products desig... view more -
NMLS # 1647914
Hard/Private/Non-QM
LoanBidz.com specializes in BRRRR financing, including short-term fix & flip and long-term rental loans (DSCR) from $100k to $3M for real estate investors. We have helped over 3000 borrowers and funded over $600M in loans. LoanBidz.com, as an Exchange, has access to all the best private lending options available in the market. 650+ FICO requirement with a minimum of $25,000 in reserves available. We provide investment financing options for the purchase or refinance of non-owner-occupied singl... view more -
NMLS # 1678413
Hard/Private/Non-QM
I've helped hundreds of investors purchase rental properties nationwide with DSCR programs. With access to over 100 different investor mortgage options and dozens of reviews, I will help filter through as many options as possible to make sure the home or investment you are looking to purchase makes sense and continues to add to your net worth. I also have access to all conventional, VA, FHA and non-QM products as well. view more -
Hard/Private/Non-QM
Welcome to IMS Funding, we are a direct lender and broker based out of Austin Tx. We specialize in DSCR loans for traditional and vacation rentals. With years of experience, we will find you the best options for your strategy. As experts in non-QM lending, we specialize in connecting you with tailored financial solutions that align seamlessly with your investment goals. Whether you’re a seasoned investor expanding your portfolio or a first-time investor taking the plunge into real estate,... view more -
NMLS # 2142653
Corrigan Capital
Hard/Private/Non-QM
Hard/Private/Non-QM
We are a investor-focused mortgage company focused on providing expert lending solutions for your next property. Whether you are looking at your first deal or leveraging your portfolio to grow, we are here to be a guide in the world of lending. view more -
NMLS # 2449622
Hard/Private/Non-QM
With nearly 100 reviews and an impressive 4.2 Google rating, Asset Based Lending (ABL) has been a premier lender for real estate investors since 2010. We have successfully financed over $2.5 billion in projects, specializing in fix and flip, new construction, and DSCR loans for both long and short-term rentals. At ABL, we pride ourselves on our unique offering: the 0 Point Loan. As a direct balance sheet lender, we handle every aspect of the loan process in-house—from underwriting to proce... view more -
NMLS # 148519
Merchants Mortgage & Trust Corporation LLC
Hard/Private/Non-QM
Hard/Private/Non-QM
With over 60 years of experience, Merchants Mortgage & Trust Corporation (MMTC) has been the private lender of choice for real estate investors across the United States. In 2022, MMTC completed a significant merger with a major global private equity firm. One of the fastest growing private lenders in the country, MMTC is headquartered in Denver, Colorado with offices in California, Arizona, Texas, and Oregon and currently lends in 42 States. We do not consider ourselves a typical privat... view more -
Atlantic National Trust is a private financial firm based on Portland, Maine’s historic waterfront. Founded in 1995, Atlantic combines expertise in finance and real estate to create mutually beneficial transactions for its business partners. Avoid the timely underwriting process of conventional lenders. Atlantic’s loan experts have the resources to close transactions faster. Loan Amounts: $100,000 - $3,000,000 Loan-to-Value: Up to 70% Interest Rate: 12-15%, typical deals are Prime pl... view more
North Carolina Mortgage Rates Today
How to Find a Lender in North Carolina
To choose a lender that aligns with your investing goals, start by asking the right questions about their experience with real estate investors and their flexibility in loan terms. When speaking with a potential lender, ask about their familiarity with investment-specific loan products, such as portfolio loans, bridge loans, or cash-out refinancing options, and how often they work with investors in your target market. Understanding the lender's typical loan-to-value (LTV) ratios and whether they offer specialized financing—like quick approvals for competitive markets—can reveal how well their services support quick, strategic property purchases.
In addition to loan features, inquire about fees, interest rates, and their approach to managing multiple property loans. For example, ask if they provide discounts on financing for investors with multiple properties or if they offer customizable loan packages based on your long-term goals. A lender who is open to building a relationship and adjusting terms to your needs is often a better fit for a growing investment portfolio. Finally, get recommendations from local real estate investment groups, which can provide insights into which lenders in your area have a strong track record with investors. And remember there is no one size fits all lender, you will want to find the right one for your investing needs.
Testimonials
"Found a lender who was able to offer exactly what I was looking for."
"Beat our local broker by one percent! Thank you BP."
"Easy to use and found a great Lender! Still going through the process but should close this week!"