With Clint Christensen in Orlando, FL.
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Charlotte Home Loans & Mortgage Lender

Looking to purchase a new house in Charlotte? There are many reasons why it’s well worth considering choosing CFI Mortgage for all your lending needs. Our loan process is convenient and secure and works to get you into your new house with less hassle. As long as you have the necessary documentation in place, it’s a straightforward application process.

What does the mortgage loan process entail?

Everything starts with pre-qualification. Our loan specialists take your essential information, such as job type, credit history, and income. Then, they’re able to get a pre-qualification for a loan. Here’s how the CFI mortgage process works:

● Pre-qualification determines your loan eligibility
● Review and find the most appropriate mortgage programs and rates
● Fill out the loan application
● We begin processing
● You submit any and all required documents
● We run your credit reports
● The primary appraisal process begins
● Underwriting determines the final terms
● We close the deal on the house

We work through each stage as efficiently as possible to get the funds needed for your home purchase.

Meet The Team

Why Pre-Qualify?

Pre-qualification is the process that considers your ability to pay and your history of making on-time payments. There are several ways that prequalification benefits home buyers:

● Most lenders want to know that your income supports a home loan and that you have a history of responsibly handling your credit obligations.
● Our specialists will look at your pre-qualification information to determine which loan programs you’re eligible for and which are likely to grant you approval.
● Sellers and realtors are also more likely to take you seriously as a buyer if you have done the work to pre-qualify and know how much house you can afford.
● Many of the same documents are used for both prequalification and also the mortgage application itself, so this step ultimately leads to a smoother and easier application process.

Couple working with loan officer at kitchen table

Need Help Crunching The Numbers?

Use our calculators to help you estimate how much you can afford on a new loan or what you could save with a refinance.

Types of Loans CFI Mortgage Offers in Charlotte, NC

No matter what your current needs, CFI Mortgage has a solution ready for you. We’re the leading Charlotte mortgage company, and we have loan programs for every type of consumer and property.

We offer a varied, extensive, and customized range of home loan products. Our comprehensive mortgage lending programs include:

  • Loans for new construction
  • Loans for refinancing
  • Government-backed home loans
  • Lending programs for first-time homebuyers
  • Reverse mortgages
  • Loans for home improvement

Consumers with very good or excellent credit can also refinance their homes to save significant amounts of interest. If you’re currently in a loan with high rates, contact us for alternatives. It’s a matter of filling out the proper paperwork and qualifying for a loan with lower payments.

Download Our Mobile App

Are you the hands-on type? Get involved with your loan transaction in a whole new way with our powerful, simple to use mobile app.

* Available on iPhone, iPad and all Android devices from 5.5

Do you qualify for a government-backed loan?

First-time home buyers and military veterans may qualify for a range of programs that have government backing. The interest rates are lower than traditional loans, and some government-backed mortgage loans allow for zero money-down payments — making home ownership more accessible.

Whether you presently qualify for a government-backed loan or not, we have plenty of loan programs to fit a variety of needs. Our online mortgage application process is secure, fast and less prone to mistakes than a paper application. Our process leads the industry for ease of use and convenience.

With 20 branch offices, we have a national reach but always keep our local touch. You’ll never feel like you’re a number when you borrow using CFI Mortgage. If you’re interested in any of these mortgage programs and live in (or are moving to) the Charlotte area, let’s talk! Contact us today to get started.

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