Mortgage Loans in North Carolina
A small, licensed team that answers your texts. Shay Yates is licensed as a mortgage loan originator in North Carolina, and we help North Carolina buyers and homeowners from our Springfield, Missouri office.
Local feel, wherever you are in North Carolina
Buying or refinancing in North Carolina does not have to feel like dealing with a faceless lender. You will know who is working on your loan, you can reach us by text or by phone, and we explain each decision before you make it.
We are licensed to help borrowers across North Carolina, including markets such as Charlotte, Raleigh, Greensboro, and Asheville. Property taxes, insurance, and closing practices can vary by state and county, so we explain what applies where you are buying. We do not guess at your numbers. Not every loan program is available in every area, and all loans are subject to credit and property approval.
Aubrey Reason (NMLS #1731636) is also on our team and is licensed in North Carolina only.
Loans we offer in North Carolina
Pick a path to learn more. We will help you find the one that fits.
Home Purchase Loans
Buying a home? We walk you from pre-approval to closing.
Learn moreRefinance
Look at changing your payment, your term, or your equity use.
Learn moreVA Loans
For eligible Veterans, active-duty service members, and surviving spouses.
Learn moreFirst-Time Home Buyers
Clear steps and honest answers for your first home.
Learn moreSelf-Employed Loans
Work for yourself? We help you understand your income and documents.
Learn moreAreas we serve in North Carolina
We help buyers across North Carolina. These are places we hear about often, and your search can start anywhere.
Charlotte
The state's largest city and a large metro with a busy market, from in-town neighborhoods to growing suburbs in Mecklenburg, Cabarrus, and Union counties.
Raleigh
The capital and the center of the Triangle, where fast growth and a lot of new construction in places like Apex, Cary, and Holly Springs keep the market busy.
Fayetteville
Next to Fort Bragg and one of the strongest military and Veteran markets in the country, so VA loans are a regular topic.
Wilmington
A coastal city with a historic downtown and growing suburbs. Flood and wind insurance are part of the conversation.
Jacksonville
Home to Camp Lejeune, with a large military and Veteran community and a steady local market.
New construction is a big part of the market around Raleigh and Charlotte. Builder contracts and timelines work differently than resales, so ask us before you sign.
First-time buyer help is available in North Carolina through North Carolina Housing Finance Agency (NCHFA). Program details and participating lenders are set by the agency, so ask us whether you may qualify.
Working with us from anywhere in North Carolina
You do not need to drive to Missouri. Most of the process happens from your phone or your couch.
- Step 1
Text or call
Reach us at (417) 849-2430. A real member of our team answers and talks through your goals.
- Step 2
Apply online
Start a secure digital application from your phone or computer. No office visit needed.
- Step 3
Share documents
Upload what we ask for and track your file. We keep you updated at every step.
- Step 4
E-sign and close
Many documents can be signed electronically. Closing is arranged with a title or settlement company in your state.
Trusted Realtors in North Carolina
Seats available for preferred agents in North Carolina. Are you a local agent? Claim a seat and be listed here.
Disclosure. Realtors listed are independent professionals and are not affiliated with Southwest Funding or True North Yates Group. No fees are paid or received for referrals, and you are free to choose any real estate agent.
True North Yates Group is an Equal Housing Lender and supports fair housing. We do not steer anyone toward or away from any neighborhood, and agents are never listed or described based on who lives in a community. You choose where you live and who helps you buy.
Other states we serve
Ready to talk about a North Carolina mortgage?
Text, call, or start your application online. We are here to help.
Or text us anytime: (417) 849-2430
Shay Yates, Loan Officer | NMLS #2172921 | North Carolina license: I-205203 | Sponsored by Southwest Funding, LP, NMLS #32139 | Branch NMLS #2424517. Verify at NMLS Consumer Access. Equal Housing Lender.