Best North Carolina Mortgage Lenders
Browse 52 top-rated mortgage lenders in North Carolina as of July 28, 2026. See lender reviews, ratings, and investment specialties.
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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! š We're proud to boast a 4.8 Customer Satisfaction Rating, supported by over 1000 reviews from our satisfied clients. š 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. š 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 # 66247
Cardinal Financial - David Ross
Conventional & Gov.
Hard/Private/Non-QM
254 Reviews4.9 stars32 forum postsConventional & Gov.
Hard/Private/Non-QM
I have been in real estate lending for over 24 years and have built an experienced team of industry veterans who share the same commitment to excellence. We combine the efficiency of modern technology with the insight that only comes from decades of closing loans and helping clients succeed. Where other lenders may see obstacles, we work harder to find solutions and get your loan funded. Our clients trust us because we deliver consistent results without inflated rates. We aim to be more th... view more -
NMLS # 2130517
Hard/Private/Non-QM
Nationwide mortgage lender for real estate investors only. Direct to funds on Wall Street for all products including but not limited to DSCR, bank statement, fix and flip, ground up, portfolio and asset utilization. Minimum Loan Amount - $150,000 Minimum Credit Score - 620 view more -
NMLS # 1678413
Hard/Private/Non-QM
Mortgage broker specializing in helping real estate investors purchasing both short-term rentals and long-term rentals across the country, especially with DSCR mortgages. I also help them sort through around 100 different lenders to confirm what the best financing option is for them, instead of you going one by one on your own and getting overwhelmed by the process. Purchase prices I specialize in are $350,000 and above. view more -
NMLS # 2468614
Conventional & Gov.
Hard/Private/Non-QM
Cap One Lending ā 5-Star Rated, Investor-Focused Financing Cap One Lending is a veteran-owned, 5-star rated direct lender specializing in Hard Money Fix & Flip, Fix & Rent / BRRRR, and DSCR Rental Loans (short & long term)āplus FHA, VA, USDA, and Conventional mortgages for primary and secondary homes. Weāre built for investors: fast decisions, flexible loan programs, and decades of experience helping clients grow their portfolios. Whether youāre buying, refinancing, or pulling cash out,... view more -
NMLS # 2167568
Hard/Private/Non-QM
Easy Street Capital, LLC is the ideal lender for fix & flip investment properties, ground-up construction projects, and rentals. Defined by an experienced team and innovative loan programs, Easy Street Capital, LLC is the ideal financing partner for real estate investors of all experience levels and specialties. view more -
Hard/Private/Non-QM
Southeast's oldest and largest private direct lenders. We lend on fix-and-flip properties, new construction, cash out, transactional funding, and commercial properties. We're Fast, Flexible, with Competitive Rates and Less Paperwork! We don't have a credit score requirement and don't collect bank statements, tax returns, etc. We're privately funded which makes for a quick and easy loan closing. Loans are asset based. We originate, review, underwrite, fund, and service our own loans. We d... view more -
NMLS # 905781
Hard/Private/Non-QM
Local to Irvine Ca, and with 200+ 5 star Google reviews (and counting), Center Street Lending Prides ourselves on bringing easy, fast, and personalized service to the Real Estate Investing Process. With highly experienced LOs and In house servicing - Our goal is to deliver transactions that are competitively priced and swiftly executed, acting as your 'fast lane' to success. Above all, we are committed to our customersā success because itās good for everyone when they succeed. We pride ours... 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-houseāfrom underwriting to proce... 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 financingālike quick approvals for competitive marketsācan 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!"