Business Details
Your Trusted Mortgage Partner in Davidson, NC
At States Mortgage, we have dedicated ourselves to providing personalized mortgage solutions that meet the unique needs of each client. With over two decades of experience in the mortgage industry, our team has navigated the complexities of financial markets through multiple economic cycles. We prioritize speed and exceptional customer service, ensuring clients receive the same level of care and attention we would extend to family members. Our founding principles of honesty, integrity, grit, and determination guide every interaction, fostering trust and long-term relationships. We specialize in educating clients throughout the mortgage process, recognizing that a home is often the most significant financial investment a person will make.Our loan officers and processors work collaboratively to simplify what can be an overwhelming experience, offering tailored guidance at every stage. From first-time homebuyers to those seeking refinancing or debt consolidation, we provide a range of loan programs including 100% financing, cash-out options, and solutions for self-employed individuals. Our commitment to transparency ensures clients understand all aspects of their mortgage transactions. We take pride in our ability to help clients achieve their homeownership goals while maintaining the highest standards of professionalism. This combination of experience, personalized service, and ethical practices has established us as a trusted partner in the mortgage industry.
Services
100% Financing
Cash Out Refinancing
Debt Consolidation
Home Improvement Loans
Home Equity Lines of Credit
Self-Employed Loans
No Income Verification
Bankruptcy Recovery
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial situations
- Our team provides the same dedicated attention to clients as they would to family
- We emphasize clear communication and education throughout the mortgage process
- With 20+ years of industry experience, we navigate complex financial markets effectively
- We maintain founding principles of honesty, integrity, and determination in all transactions
What people say
Excellent job
Bent over backwards
Very expeditious
Tireless service
Exceptionally satisfied
Services
100% Financing
Our 100% financing program enables homebuyers to purchase or refinance without a down payment requirement. This solution benefits qualified applicants seeking to preserve liquidity while achieving homeownership. The program combines competitive rates with flexible terms to make mortgage access more attainable for eligible borrowers.
Cash Out Refinancing
This program allows homeowners to tap into their property's equity for financial needs like debt consolidation or home improvements. By refinancing at a higher loan amount, clients access cash while potentially securing better interest rates than traditional financing options.
Debt Consolidation
Our debt consolidation solutions help clients simplify multiple payments into a single mortgage transaction. This approach can reduce overall interest costs while streamlining monthly obligations through strategic refinancing techniques tailored to individual financial circumstances.
Home Equity Lines of Credit
HELOC programs provide flexible access to home equity funds for renovations, education expenses, or emergency needs. These revolving credit lines offer competitive rates with draw periods allowing borrowers to access funds as needed during approved terms.
Self-Employed Loans
Specialized programs for self-employed individuals address unique income verification challenges. These loans offer reasonable rates and tailored documentation requirements to accommodate non-traditional income structures while maintaining compliance with lending standards.
Questions
What types of mortgage loans do you offer?
We offer FHA, VA, conventional, USDA, HELOC, reverse, and non-QM loans, tailoring solutions to each client's unique financial situation.
Can I qualify with less-than-perfect credit?
Yes, we work with lenders who specialize in helping clients rebuild credit and qualify for mortgage programs despite credit challenges.
What documentation is needed for pre-approval?
Contact our loan officers who will guide you through the specific documentation requirements for your chosen mortgage program.
How does the refinancing process work?
Our team explains all steps, from application to closing, ensuring you understand the benefits and timelines for your refinancing option.
Do you offer specialized programs for self-employed individuals?
Yes, we provide tailored loan programs with reasonable rates specifically designed for self-employed applicants' unique financial situations.
