Charlotte, affectionately known as the Queen City, stands as a beacon of growth and prosperity in North Carolina. This bustling metropolis combines a strong economic foundation with a rich cultural tapestry, offering residents a high quality of life with its diverse neighborhoods, thriving arts scene, and numerous green spaces. From the historic charm of Myers Park to the innovative spirit of South End, Charlotte provides a dynamic urban living experience. The city’s appeal is further enhanced by its proximity to affluent areas such as Ballantyne, Dilworth, Eastover, and SouthPark, making Charlotte a coveted destination for homeowners seeking luxury and convenience.
Dreaming of a home in Charlotte? Our Jumbo Verified™ lender network is ready to assist you with competitive rates and mortgage plans designed for Charlotte’s unique real estate market. Whether you’re looking for a contemporary urban loft, a stately home in a historic neighborhood, or a modern residence with easy access to the city’s amenities, let us guide you through your homeownership journey in Charlotte.
Tailored Mortgage Solutions for Charlotte’s Diverse Real Estate
Charlotte’s real estate market is as vibrant as the city itself, offering a wide range of properties that cater to various lifestyles and preferences. Our lenders are experts in navigating this market, providing mortgage strategies that align with your vision for a home in Charlotte.
- A variety of mortgage types for Charlotte properties: ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans.
- Financing solutions that accommodate the diverse range of property types found in Charlotte, supporting a broad spectrum of housing needs and preferences.
- Customized mortgage plans that reflect the unique lifestyle choices Charlotte offers, from bustling city life to tranquil suburban living.
- Expertise in Charlotte’s housing market, with specialized financing options like Land, Construction, and Bridge loans.
- Competitive rates to support your home purchase or refinancing in Charlotte, making homeownership more accessible in North Carolina’s Queen City.
Experience Charlotte’s Dynamic Lifestyle
Living in Charlotte offers an exceptional lifestyle, marked by its blend of economic opportunity, cultural activities, and recreational amenities. We’re committed to helping you find a mortgage solution that supports your life in this dynamic city. Whether exploring Charlotte’s museums and galleries, enjoying its vibrant dining scene, or relaxing in one of the many parks, your home in Charlotte will be a place of comfort and opportunity.
2024 NORTH CAROLINA CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALAMANCE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ALEXANDER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ALLEGHANY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ANSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ASHE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| AVERY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BEAUFORT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BERTIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BLADEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRUNSWICK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUNCOMBE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BURKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CABARRUS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALDWELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CAMDEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARTERET COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CASWELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CATAWBA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHATHAM COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHEROKEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHOWAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLEVELAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COLUMBUS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CRAVEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CUMBERLAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CURRITUCK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DARE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DAVIDSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DAVIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DUPLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DURHAM COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| EDGECOMBE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FORSYTH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRANKLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GASTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GATES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRAHAM COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRANVILLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREENE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GUILFORD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HALIFAX COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARNETT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HAYWOOD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HENDERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HERTFORD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HOKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HYDE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| IREDELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JACKSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JOHNSTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JONES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LENOIR COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LINCOLN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCDOWELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MACON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MADISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARTIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MECKLENBURG COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MITCHELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONTGOMERY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MOORE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NASH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NEW HANOVER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NORTHAMPTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ONSLOW COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ORANGE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PAMLICO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PASQUOTANK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PENDER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PERQUIMANS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PITT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| POLK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RANDOLPH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RICHMOND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROBESON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROCKINGHAM COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROWAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RUTHERFORD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAMPSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCOTLAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STANLY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STOKES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SURRY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SWAIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRANSYLVANIA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TYRRELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UNION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| VANCE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WAKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WARREN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASHINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WATAUGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WAYNE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WILKES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WILSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YADKIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YANCEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
GET YOUR QUOTE TODAY!
SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND CHARLOTTE
Neighborhoods
Eastover, Commonwealth, Barclay Downs, Dilworth, Myers Park, Fourth Ward, Foxcroft, Plaza Midwood, Ballantyne East, Wessex Square, Oxford Hunt, Chantilly, Beverly Woods, Mountainbrook, Governor’s Square & Quail Hollow.
Zip Codes
28202, 28203, 28205, 28206, 28208, 28209, 28210, 28211, 28212, 28213, 28214, 28215, 28216, 28217, 28226, 28227, 28262, 28269 & 28277
Counties
Mecklenburg County, Stanly County, Cabarrus County, Gaston County, Cleveland County, Lincoln County, Rowan County, Iredell County, Catawba County, Rutherford County, McDowell County, Burke County, Anson County, Richmond County, Polk County & Davidson County.