Mortgage Lenders in Charlotte & Raleigh
As a local mortgage lender in Charlotte, NC, and Raleigh, NC, we’re dedicated only to the Carolinas. 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.
Dash’s Home Mortgages: Types of Home Loans
Not sure what type of loan you need, or what you qualify for? Take a look at the types of home loans we offer, then get in touch to meet your Mortgage Coach. Your Mortgage Coach is your personal resource through the loan process, providing expert guidance to ensure you find the best loan with the right payment options.
Designed for those who wish to start out with a lower introductory monthly payment.
“Traditional” loan with low rates and low down payment options.
Government-backed loan great for first-time homebuyers or those with higher debt-to- income ratios.
FHA 203(h) Disaster Relief Loan
Offers zero-down financing to those whose homes were damaged or destroyed by a natural disaster.
FHA 203k Dream Loan
Loans up to $31k above purchase price toward remodeling or home repairs.
Low down for eligible properties.
Options to finance investment property, or to use rental income or asset depreciation as qualifying income.
Manufactured Home Loans
Special loan programs for either built or unbuilt manufactured homes.
Home Loans Made Easier
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.
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.
No matter which type of home loan you choose, Dash will help you get it without the usual frustration.
Have questions? Get in touch. We’ll be happy to help.
Home Loans in NC and SC: 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 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’re applying for. In most cases, you’ll be approved for the best home loans if you have a credit score of 500 or above.