Best North Carolina Mortgage Lenders
Browse 51 top-rated mortgage lenders in North Carolina as of August 8, 2026. See lender reviews, ratings, and investment specialties.
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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 -
NMLS # 1623101
Hard/Private/Non-QM
Common sense lending for Real Estate Investors. We specialize in all types of non conventional financing ranging from bridge/rehab loans for BRRRR projects and flips to 30 year fixed terms on stabilized properties without any personal income requirements. These also allow LLC vesting and have NO CAP on the # of financed rentals you own. We love working with out of state investors and take a simple approach to qualification. FICO, Assets, DSCR, and Experience. Loan amounts ranging from $7... view more -
Hard/Private/Non-QM
No matter what your strategy; Fix N Flip, BRRRR, DSCR, etc., our goal is to provide the most flexible terms with the best service. We fund loans from $40K to $10MIL. WE CAN BE REACHED 7 DAYS A WEEK! We have an ENGLISH & SPANISH speaking team to assure our customers receive outstanding support. We believe relationships are of the utmost importance and we offer a wide repertoire of uniquely-tailored loans a lot of flexibility, especially to experienced investors who have completed 1 or more ... view more -
Hard/Private/Non-QM
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: Deal Dependent, please inquire ... view more -
NMLS # 2142653
Randall LeBlanc - Cornerstone First Mortgage
Hard/Private/Non-QM
31 Reviews5.0 stars10 forum postsHard/Private/Non-QM
I help real estate investors structure financing that actually gets deals closed, especially when the deal isn’t clean, standard, or cookie-cutter. I work primarily with real estate investors on business-purpose and investment loans, including: • Fix & Flip financing • DSCR loans (long-term & short-term rentals) • Hard money and bridge loans • Non-QM investment loans • Investment property refinances Many of the deals I work on involve tighter ratios, LLC ownership, short timeline... view more -
NMLS # 1829563
Casa Lending
Hard/Private/Non-QM
Hard/Private/Non-QM
Applying for a loan with Casa Lending is quick and hassle-free. Our streamlined process ensures that you can get the capital you need to grow and scale your business in no time. With over $10 billion in originated loans, the backing of industry-leading funding from Builders Capital is now in your market ready to fund your projects. Fill out our quick application to start the process of funding your next project. view more -
NMLS # 1125207
Hard/Private/Non-QM
With more than $21 billion in funded loans, Kiavi is one of the nation's largest private lenders to residential real estate investors. Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way to access the capital they need to scale their businesses. With a wide range of bridge and rental funding options to choose from, Kiavi’s 24/7 pricing calculator and team of experts can create a personalized solution for your investment strategy. You get relia... view more -
NMLS # 188727
INTERSTATE HOME LOAN CENTER
Conventional & Gov.
Hard/Private/Non-QM
239 Reviews4.8 stars8 forum postsConventional & Gov.
Hard/Private/Non-QM
Multi-faceted lender. Financing solutions across the real estate lending sector view more -
NMLS # 2372297
Conventional & Gov.
Hard/Private/Non-QM
At Greenside Capital, we leverage a combined $1.5B in mortgage experience to deliver investor DSCR and fix-and-flip financing for commercial, multi-unit, and residential properties. We don't require tax returns, using property cash flow or other investor-focused solutions instead. With our streamlined approach, you can secure funding quickly and focus on what you do best—growing your portfolio. Call us today to learn more. view more -
Hard/Private/Non-QM
Stop guessing. Start closing. Funded Capital gives real estate investors institutional capital at private-lending speed — most deals close in 5–10 business days, deal-dependent. We underwrite the deal, not your tax returns. Backed by a $1B crowd fund, we finance 1–4 unit fix-and-flip, DSCR rental, and ground-up deals from $75K to $5M, nationwide (a few state exceptions apply). Send your Deal Snapshot to fundedcapital.com/apply for a quote in 30 minutes. Terms subject to underwriting, appra... 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!"