Mortgage Broker in North Carolina
Licensed by the North Carolina Commissioner of Banks, MortgagePros shops your loan across the lenders we work with and closes it with a North Carolina attorney near you, from Charlotte and the Triangle to the mountains and the coast, in all 100 counties.
North Carolina Mortgage Lender License L-205335. NMLS #1925352. Rated 4.9 across 5,200+ Google reviews.
100
North Carolina counties, one licensed pro as your contact
2019
Founded in Troy, Michigan
300+
Licensed loan officers on the team
4.9
Average of 5,200+ Google reviews
39
States licensed, headquartered here
What is different about a North Carolina mortgage.
North Carolina buys homes on a contract most other states do not use. The standard Offer to Purchase has a due diligence period, usually two to four weeks, during which you can walk away for any reason, and a due diligence fee, paid straight to the seller and non-refundable, that buys you that right. In a competitive Charlotte or Raleigh market the fee can run into the thousands, so we get your financing far enough along before you write an offer that the period is spent inspecting, not waiting on a lender.
Closings are handled by a North Carolina attorney. The State Bar treats the title search, the deed, the closing and the disbursement of funds as the practice of law, so you choose a closing attorney rather than a title company, and the attorney orders the title insurance, which the buyer customarily pays for.
The rest is quieter than most states: the excise tax on the deed is $1 per $500 and the seller pays it, there is no tax on the mortgage, and property taxes are billed in arrears each September. Every county sits at the FHFA conforming baseline, and most, including Wake and Mecklenburg, sit at the FHA floor.
Licensed in North Carolina, exactly as filed.
Issued by the North Carolina Commissioner of Banks and verifiable on the NMLS Consumer Access site under MortgagePros, LLC, NMLS #1925352.
NC
North Carolina
North Carolina Mortgage Lender LicenseLicense No. L-205335
2026 loan limits in North Carolina.
North Carolina has no high-cost counties for conforming loans, so the FHFA baseline applies statewide, and most counties sit at the FHA floor. VA loans have no limit for veterans with full entitlement.
| Area | Conforming (1 unit) | FHA (1 unit) |
|---|---|---|
| Wake (Raleigh), Mecklenburg (Charlotte), Guilford, Forsyth and most other counties | $832,750 | $541,287 |
| Durham, Orange and Chatham | $832,750 | $634,800 |
| A handful of mountain and coastal counties | $832,750 | Slightly above the floor; set county by county |
Two- to four-unit limits are higher. Your pro checks the exact county figure against the home you are looking at.
Mountains to the Outer Banks
One licensed pro from the first call to the attorney’s closing table, wherever in North Carolina the home is.
North Carolina closing costs, and who usually pays them.
North Carolina closings run through an attorney, and its contract has costs most states do not. These are the customs and the standard contract terms; each can be negotiated.
01
Due diligence fee
Paid by the buyer to the seller when the contract is signed, non-refundable, in exchange for the right to terminate for any reason during the due diligence period. Typically $500 to several thousand dollars; it is credited to you at closing if you buy.
02
Earnest money
Held by the closing attorney, not the seller, and refundable if you terminate within the due diligence period. After the period ends it is at risk if you do not close.
03
Closing attorney
Required by the State Bar for the title search, deed, closing and disbursement. Usually a flat fee, commonly $750 to $1,250, paid by the buyer, who chooses the attorney.
04
Excise tax
$1 for every $500 of the purchase price, paid by the seller when the deed is recorded. $800 on a $400,000 home. There is no tax on the mortgage itself.
05
Title insurance
Ordered by your attorney. The buyer customarily pays for the lender’s policy and, if you want it, the owner’s policy. Ask for the simultaneous-issue rate; the second policy is cheap when both are bought together.
06
Property taxes in arrears
County bills go out in the summer, are due September 1 and start accruing interest January 6. The seller credits you their share of the year at closing.
Every loan we offer, in North Carolina.
The same seven products as everywhere we are licensed, run on North Carolina’s attorney-closing process and due diligence timeline.
Buying
Home purchase
A real pre-approval before you write the offer, so the due diligence period is spent on inspections rather than on the lender.
3.5% down
FHA loans
Credit scores from 580 and a $541,287 limit in Raleigh, the Triad and Charlotte, and $634,800 in Durham.
Zero down
VA loans
Fort Bragg, Camp Lejeune, Cherry Point and Seymour Johnson make North Carolina one of the largest military states. No down payment, no monthly mortgage insurance, no limit with full entitlement.
From 3% down
Conventional loans
Best pricing for good credit, mortgage insurance you can ask to cancel at 80 percent of the original value, and the route for mountain and beach second homes.
Above $832,750
Jumbo loans
Lake Norman, south Charlotte, Chapel Hill and the coast run above the conforming line. Lender-by-lender rules; we place the file where it fits.
Lower payment
Refinance
With no mortgage tax, a North Carolina refinance is cheaper to close than in Georgia or Florida; the attorney fee is the main cost. We run the break-even before you commit.
Use your equity
Cash-out refinance
Renovations, debt consolidation or a rental down payment, paid from equity at a mortgage rate.
How it works from Michigan to North Carolina.
Built around the North Carolina contract, so the lender is never the reason the due diligence clock runs out.
1
Pre-approve before you offer
We verify income, assets and credit up front. In North Carolina that matters more than anywhere: a due diligence fee is money you do not get back if financing falls through.
2
Apply and upload
The application, disclosures and signatures are online. A licensed pro reviews everything and stays on your file to closing.
3
We shop the loan
Your file goes to the lender whose pricing and rules fit it, and we aim to clear conditions inside your due diligence period.
4
Close with your attorney
Signing happens at a North Carolina closing attorney’s office near you. Choose your own or take our recommendation; we coordinate the closing package and the wire.
Ready to buy or refinance in North Carolina?
A licensed pro quotes your options with the attorney fee, excise tax already in the numbers. Free, and it starts without a hard credit pull.
North Carolina mortgage FAQ
The questions North Carolina buyers and homeowners ask us most. If yours is not here, a licensed pro will answer it directly, with no obligation.
What is the due diligence fee, and do I get it back?
It is a payment from you to the seller when the contract is signed, in exchange for the right to cancel for any reason during the due diligence period. It is not refundable if you cancel, but it is credited toward your purchase if you close. The amount is negotiated; in hot markets it can be several thousand dollars, which is why we want your financing verified before you write the offer.
Why do I need an attorney to close in North Carolina?
The North Carolina State Bar treats the title search, deed preparation, the closing itself and the disbursement of funds as the practice of law, so a licensed North Carolina attorney has to handle them. The buyer chooses and pays the attorney, usually a flat fee. If you do not have one, we will recommend an attorney who closes regularly in your county.
Do I have to come to Michigan?
No. Your licensed pro handles the loan by phone, email and e-signature. The closing happens in North Carolina at your attorney’s office, because North Carolina requires the attorney to conduct it.
When are North Carolina property taxes due?
County bills for the current year go out in July or August, are due September 1, and start accruing interest on January 6. At closing the seller credits you the portion of the year they owned the home, and your lender collects the rest in escrow.
Talk to a North Carolina-licensed pro.
Tell us what you are looking to do and where in North Carolina. A licensed pro will call back, usually the same business day. Asking does not start a loan or require a hard credit pull.
Prefer to talk?
248-416-1361
Open 24/7. Ask for your pro by name.
Visit our office
880 W. Long Lake Rd, Suite 300
Troy, Michigan 48098, just off I-75. Free parking.
Licensed and reviewed
North Carolina Mortgage Lender License L-205335. NMLS #1925352. Rated 4.9 across 5,200+ Google reviews.