Get the Right Loan with the Right Team!
Simple, strategic home financing across Charlotte, Raleigh, Greensboro, and beyond.
Welcome to an exciting journey toward homeownership in the beautiful state of North Carolina! If you’re looking to buy a home, you’ve come to the right place. Our team at Cannon Mortgage Company makes home financing in North Carolina simple, strategic, and stress-free. Whether you’re buying your first home in Charlotte, upgrading to a larger house in Raleigh, investing in a vacation property in the mountains, or refinancing in Greensboro, our experienced team of North Carolina-licensed mortgage professionals is here to guide you every step of the way.
We’re not a big bank—we’re your North Carolina-based advocate. As an independent mortgage broker serving Charlotte, Raleigh, Greensboro, Wilmington, and communities across the state, we shop dozens of wholesale lenders to find the right loan for your situation and secure competitive rates you won’t find on your own.
- Competitive rates from top lenders
- Fast, same-day pre-approvals
- Personal guidance through every step
Understand your budget and strengthen your offer.
Compare loan programs and rates from leading lenders.
Complete your closing on time and with confidence.
Every homebuyer’s situation is unique. We offer a wide range of mortgage programs to help you reach your goals.
Flexible terms for buyers with strong credit.
Low down payment options for first-time buyers.
Zero down financing for eligible rural areas.
No down payment loans for veterans and active-duty service members.
Financing options for high-value properties.
Options for self-employed and unique income situations.
An easy way to know your next step
Break down the terms and acronyms that will be used
Learn what loan options are available
Learn about current topics and trends
The list of documents you need to get started
Contact us for a free consultation to get your questions answered
We provide resources to help you stay informed, organized, and confident every step of the way.
Most home loan programs in North Carolina require a credit score of 620 or higher. If you’re considering an FHA loan, you may qualify with a score as low as 580 and a 3.5% down payment. A higher credit score can help you secure better rates and terms.
FHA loans typically require a minimum down payment of 3.5% of the purchase price. Down payment assistance programs are also available for qualified first-time buyers across North Carolina.
Working with a local mortgage broker gives you access to multiple lenders and more loan options, often with better rates than a single bank can offer. We know the North Carolina market and guide you from application to closing.
Most loans close in about 30 days. Timing depends on your loan program, appraisal scheduling, and how quickly you provide documents. Our team keeps you updated throughout the process.
Yes! Getting pre-approved is often the first step. A pre-approval shows sellers you’re a serious buyer and helps you understand exactly what you can afford. We can usually issue a same-day pre-approval letter.
Most refinance loans require a current appraisal to confirm your home’s value. Some streamlined FHA and VA refinance programs may waive the appraisal requirement if you qualify.
Closing costs typically range from 2% to 5% of the loan amount. These may include the appraisal fee, title insurance, lender fees, attorney fees, and escrow deposits. We’ll provide a detailed Loan Estimate upfront.
