The home loan process, reimagined
At Dash, we’ve designed our home loan services to be simpler, faster, and less stressful than the home financing options you’ll find at big banks. Our home loan process eliminates the middleman and gets rid of unnecessary steps so you can get approved and make an offer sooner.
Made for anyone who wants to start with a lower introductory monthly payment.
FHA 203k Dream Loan
A loan² that offers up to $31k above purchase price for remodeling or home repair costs.
Manufactured Home Loan
Chenoa Fund™ Loan
Down payment assistance program⁶ with flexible options.
Fresh Start Loan
Special financing for buyers with past credit issues like bankruptcy, short sale, or foreclosure.
Finances properties up to $2.5 million with options for low down payment and no mortgage insurance.
The classic traditional loan with low rates and low down payment options.
An FDA-issued loan offering low down payments and closing costs for eligible properties.
Property financing with no down payment² for eligible rural and suburban buyers.
A government-backed loan that’s great for first-time buyers or higher debt-to-income ratios.
Short-terms loans to finance fix-and-flip properties or rental investment properties.
Loans backed by the VA⁶ offering zero-down payments² for service members, veterans, and eligible spouses.
FHA 203(h) Disaster Relief Loan
Offers zero-down financing² to those whose homes were damaged or destroyed by a natural disaster.
Helping Home Buyers in the Carolinas
Overwhelmed by Home Loans? Start Here.
The Dash Guide to Home Financing will walk you through the ins and outs of the home loan process, step-by-step, and in chronological order. You’ll never have to wonder what’s going to happen next in your home buying journey.
Frequently Asked Questions
NC & SC Home Loan FAQs
How does a mortgage work when buying a house?
A mortgage is a type of loan designed to help individuals and families buy a house. To get a mortgage, you apply for a loan from a mortgage lender, who determines how much money they’re willing to give you based on your income, credit score, and other factors. Once approved for a mortgage, you can purchase a home. You’ll repay the loan over a period of 10-30 years through monthly mortgage payments, which include interest.
How do you qualify to buy a home?
To qualify to buy a home, most people need proof of income, assets, and a decent credit history. You’ll give this information to a mortgage lender, typically a bank or home loan company, which will determine what you qualify. The mortgage lender will evaluate your income, credit score, financial assets, bill payment history, and more to determine what you qualify for.
How much of a mortgage can I get approved for?
The mortgage amount you can get approved for will depend on your financial situation, as well as the type of home loan you’re applying for. In most cases, you’ll be approved for a higher mortgage amount if you have higher income and a good credit score.
What kind of credit score do you need to buy a house?
The credit score you need to buy a house depends on the type of home loan you are applying for. In most cases, you’ll be approved for the best home loans if you have a credit score of 500 or above.
Meet Our Mortgage Coaches
Which Home Loan Is Right for Me?
Getting a home loan can take months, hours of back-and-forth with home lenders, and a lot of stress. But it doesn’t have to be that way. A Dash mortgage can make buying a home so much easier – we guarantee¹ it!
No matter which type of home loan you choose, our NC & SC Mortgage Coaches will help you get it without the usual frustration.
Mortgage Lenders in the Carolinas
As a local mortgage lender in Charlotte, Raleigh, Wilmington, Greensboro, and Greenville, SC, we are dedicated to the homeowners in North Carolina and South Carolina. Our employees live here, work here, and own their own homes here. We know what it’s like to find the perfect place, then struggle to get the loan you need.
That’s why we offer over a dozen types of home mortgage loans – so you have access to the loan that’s right for you. Whether that means a loan that helps you buy your first home, one that works with a low credit score, or supports a unique income situation, we have the home loan option that fits you.
¹ Dash Loan Closing Guarantee Disclaimer: Guarantee is based on loan closing; restrictions apply.
² No-Down-Payment Disclaimer: Closing costs and fees may still apply.
³ Lending Disclaimer: Mortgage rates are subject to change and are subject to borrower(s) qualification. APR rate(s) quoted is/are based upon a (loan amount), (loan term, including whether fixed or ARM) year.
⁴ Refinancing Disclaimer: When it comes to refinancing your home loan, you can generally reduce your monthly payment amount. However, your total finance charges may be greater over the life of your loan. Your PRMI loan professional will provide you with a comprehensive refinance comparison analysis to determine your total life loan savings.
⁵ VA Home Loan Disclaimer: VA home loan purchases have options for 0% down payment, no private mortgage insurance requirements, and competitive interest rates with specific qualification requirements. VA interest rate reduction loans (IRRRL) are only for veterans who currently have a VA loan – current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA cash-out refinances are available for veterans with or without current VA loans. Policies and guidelines may vary and are subject to the individual borrower(s) qualification. Program and lender overlays apply.
⁶ Down Payment Assistance Disclaimer: First lien interest rates may be higher when using a DPA second.
⁷ Pre-Approval Disclaimer: Pre-approvals are given to clients who have met qualifying approval criteria and specific loan requirements at the time of applications. Results may vary.
General Disclaimer: The content on this page has not been approved, reviewed, sponsored, or endorsed by any department or government agency.
NMLS® Consumer Access℠: https://nmlsconsumeraccess.org/
North Carolina Mortgage Branch License: L-112833-200
South Carolina-BFI Branch Mortgage Lender/Service License: MLB-1439905, MLB-1439905 OTN #2