Every Wilmington mortgage program — under one broker.
Tom shops your loan across multiple lenders. Niche specialty (HELOC, DSCR) plus the full conventional and government menu — all built for the Wilmington market.
HELOC
Tap up to 85% of your home's equity in days. Soft pull, no in-person appraisal, fund in as little as 5 days.
Learn more →DSCR Investor Loan
Qualify on the property's rent — not your tax returns. 30-year fixed, LLC-friendly, no portfolio limits.
Learn more →Conventional
The classic 30-year fixed, with competitive rates for buyers with strong credit and predictable income.
Learn more →FHA
Low 3.5% down payment, flexible credit guidelines, and great for first-time buyers.
Learn more →VA
Zero down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses.
Learn more →USDA
Zero-down financing in eligible rural and suburban areas of North Carolina.
Learn more →Jumbo
Financing above the conforming loan limit for higher-value homes — common in Wilmington's coastal markets.
Learn more →Non-QM
Bank-statement, P&L, and asset-depletion loans for self-employed buyers and investors.
Learn more →Construction & Renovation
One-time-close construction loans and renovation financing for major remodels.
Learn more →Not sure which program fits?
Tom will route your scenario to the right program — Wilmington-specific advice.
Or email Tom directly at thomas28403@gmail.com