North Carolina

Mortgage Lender

Personalized Loans for Homebuyers & Homeowners Across NC

CTC Mortgage is proud to serve all of North Carolina with local mortgage services built on experience, flexibility, and personal attention. Our Charlotte-based branch works with homebuyers from the mountains to the coast—whether you’re purchasing your first home, upgrading to your next, or refinancing for a better rate. With access to a wide range of home loans and custom solutions, we make the process simple and stress-free.

Home loan options for North Carolina borrowers

From city condos to rural homes on acreage, North Carolina offers diverse housing—and CTC Mortgage has the loan programs to match. Our Charlotte team is equipped to guide you through every step, helping you compare options and choose what fits your finances and goals. We offer:

  • Conventional Loans – As low as 5% down for qualified buyers
  • FHA Loans (3.5% Down, 580+ Credit Score) – Designed for first-time buyers across NC
  • VA Loans – 100% financing for veterans and active-duty service members
  • USDA Loans – No-down-payment loans for eligible rural and suburban areas
  • Jumbo Loans – For higher-priced homes in markets like Charlotte or Asheville
  • 203(k) Renovation Loans – Combine home purchase and improvement costs in one
  • Construction-to-Permanent Loans – Build your home and lock your mortgage in early
  • Piggyback Second Mortgages – Finance large purchases while avoiding PMI
  • Reverse Mortgages (Age 62+) – Tap into equity with no monthly mortgage payments

Refinancing your NC mortgage

Whether you live in Charlotte, the Research Triangle, or a small town in the foothills, now may be a great time to refinance your home loan. North Carolina homeowners use refinancing to:


  • Lower monthly mortgage payments
  • Pay off their loan faster with a shorter term
  • Access equity for renovations or debt consolidation
  • Streamline into a better rate with an FHA or VA refi

Our experts will review your current mortgage and help you determine whether a refinance in North Carolina makes financial sense. We offer rate-and-term refinancing, FHA/VA streamline programs, cash-out options, and home improvement loans tailored to your equity position.

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Charlotte, NC Mortgage Services

Frequently Asked Questions

  • What types of loans do you offer in North Carolina?

    We offer a full range of mortgage products, including Conventional, FHA, VA, USDA, Jumbo, renovation, and reverse mortgages. Our team is licensed and experienced in navigating North Carolina-specific lending requirements and local market conditions.

  • Can I buy a home in North Carolina with a low credit score?

    Yes. FHA loans are available in North Carolina for borrowers with credit scores as low as 580 (with 3.5% down). We’ll help assess your credit and financial situation to match you with the best possible program.

  • Do you serve all of North Carolina or just Charlotte?

    While our branch is located in Charlotte, we proudly serve homebuyers and homeowners across the entire state—from Raleigh to Wilmington, Greensboro, Asheville, and everywhere in between.

  • What’s the minimum down payment for a home loan in NC?

    Down payments vary by loan type. USDA and VA loans offer 100% financing, while FHA loans require as little as 3.5% down. Conventional loans typically start at 5% down. We’ll help you determine what fits your budget and eligibility.

  • How do I apply for a mortgage through your North Carolina branch?

    You can call our Charlotte office directly or fill out our online “Apply Now” form to get started. A licensed loan officer will walk you through the pre-approval process and answer any questions you have.

North Carolina Branch Address

8913 Silver Springs Court

Charlotte, NC 28215


Phone: 704-558-3024


Email: info@ctcmortgage.net


Hours: Monday–Friday, 9:00 a.m.–5:00 p.m.

(Closed weekends)


Serving homeowners throughout North Carolina – from Charlotte to Raleigh, Asheville, Durham, and beyond.

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Connect with Our Charlotte-Based NC Branch

If you’re ready to buy a home, refinance your mortgage, or explore specialty programs in North Carolina, CTC Mortgage is here to help. Our Charlotte-based team provides expert guidance and responsive support from your first question through closing day.