Loan programs.

David offers every major mortgage program plus specialty options for self-employed, jumbo, and investor clients. Pick a program below or call David, he'll match you with the right fit.

Purchase

Home Purchase Loans

Buying a primary residence anywhere from Leland to Wrightsville Beach.

Explore Home Purchase Loans

First-Time Home Buyer Loans

Low-down-payment programs and education for first-time Wilmington buyers.

Explore First-Time Home Buyer Loans

VA Loans

Zero-down, no-PMI financing for veterans, active-duty, and surviving spouses.

Explore VA Loans

FHA Loans

Flexible credit and 3.5% down financing backed by the Federal Housing Administration.

Explore FHA Loans

Conventional Loans

Fannie Mae and Freddie Mac loans for primary, second-home, and investment buyers.

Explore Conventional Loans

Jumbo Loans

Financing above conforming limits, common for Wrightsville Beach, Figure Eight, and Porters Neck.

Explore Jumbo Loans

USDA Loans

Zero-down financing in eligible rural and outer-suburban areas.

Explore USDA Loans

Refinance

Refinancing

Rate-and-term, cash-out, and consolidation refinances.

Explore Refinancing

Cash-Out Refinance

Convert home equity into cash for renovations, debt, or investments.

Explore Cash-Out Refinance

Specialty

Investment Property Loans

Long-term rental, BRRRR, and portfolio financing for Wilmington-area investors.

Explore Investment Property Loans

Vacation Home Financing

Second-home loans for buyers along Wrightsville, Carolina, Kure, and Topsail beaches.

Explore Vacation Home Financing

Second Home Loans

Dedicated second-home programs for Wilmington-area beach and golf communities.

Explore Second Home Loans

Construction Loans

One-time-close construction-to-perm loans for custom builds.

Explore Construction Loans

Renovation Loans

Roll renovation costs into your purchase or refinance loan.

Explore Renovation Loans

Self-Employed Borrowers

Mortgages for business owners, 1099 contractors, and entrepreneurs.

Explore Self-Employed Borrowers

Bank Statement Loans

Qualify based on 12, 24 months of business bank deposits instead of tax returns.

Explore Bank Statement Loans

DSCR Loans

Investor loans that qualify on the rent the property generates, no tax returns required.

Explore DSCR Loans

Reverse Mortgages

Home equity conversion mortgages for homeowners 62+.

Explore Reverse Mortgages