The Best Mortgage Lenders in Mount Pleasant, NC
Compare verified mortgage lenders serving Mount Pleasant, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Mount Pleasant
Featured Mortgage Lenders
Casey Fleming
Movement Mortgage
Movement Mortgage is a top-rated national lender headquartered in Charlotte with strong presence throughout North Carolina. Casey Fleming and his team specialize in serving the Mount Pleasant area with exceptional customer service and competitive rates. They offer a streamlined digital mortgage process with local underwriting support, consistently earning near-perfect ratings for their responsiveness, expertise, and ability to close loans quickly. Their deep knowledge of Cabarrus County real estate makes them particularly valuable for Mount Pleasant homebuyers.
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Jason Queen
Guild Mortgage - Concord
Guild Mortgage's Concord branch serves Mount Pleasant and surrounding Cabarrus County communities with exceptional local service. Jason Queen and his team are highly rated for their personalized approach and expertise in various loan programs, particularly first-time homebuyer programs and government-backed loans. With over 60 years in business, Guild offers stability and competitive pricing while maintaining the personal touch of a local lender. Their Concord location provides convenient in-person service for Mount Pleasant residents.
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Chris Brown
New American Funding
New American Funding brings competitive rates and diverse loan options to Mount Pleasant homebuyers through their Charlotte-based team. Chris Brown specializes in serving the greater Charlotte metropolitan area including Cabarrus County, with particular expertise in helping buyers with unique financial situations. The company is recognized for their strong community presence and commitment to minority homeownership, offering special programs and flexible underwriting. Their local expertise combined with national lending power provides Mount Pleasant clients with excellent options and service.
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Frequently Asked Questions
Common questions about mortgage lending in Mount Pleasant, NC
Are there any first-time homebuyer assistance programs specific to Mount Pleasant, NC?
While Mount Pleasant itself does not have a city-specific program, Cabarrus County offers the Community Home Investment Program (CHIP), which provides down payment and closing cost assistance to eligible first-time buyers. Additionally, the NC Home Advantage Mortgage™ program is widely available statewide and offers down payment assistance and competitive rates, which is particularly helpful in Mount Pleasant's growing market.
How do property taxes in Cabarrus County impact my mortgage payments in Mount Pleasant?
Cabarrus County has a relatively moderate property tax rate, which was $0.76 per $100 of assessed value for the 2023-2024 fiscal year. This rate is factored into your monthly escrow payment, making overall housing costs in Mount Pleasant more affordable compared to the Charlotte metro area. It's important to get an accurate tax estimate during pre-approval to budget correctly.
What types of properties are most common for mortgage financing in Mount Pleasant, and does that affect loan options?
Mount Pleasant features a mix of single-family homes, older historic properties, and newer construction on larger lots. For newer builds, construction-to-permanent loans are popular. For older homes, a thorough appraisal is key, and some may require specific renovation loans like the FHA 203(k) if updates are needed, which is common in this market.
As a rural town, does Mount Pleasant qualify for USDA rural housing loans?
Yes, most of Mount Pleasant and the surrounding Cabarrus County area is eligible for USDA Section 502 Guaranteed Loans, which offer 100% financing with no down payment. This is a significant advantage for eligible buyers looking at properties just outside the town limits, making homeownership more accessible in this community.
How does commuting to Charlotte or Concord influence mortgage lender considerations for Mount Pleasant buyers?
Lenders recognize Mount Pleasant as a commuter town and will typically consider stable employment in the greater Charlotte region as positive income verification. However, they will carefully evaluate your debt-to-income ratio, factoring in potential commuting costs (fuel, vehicle maintenance) which can be higher, to ensure you can comfortably afford the mortgage payment alongside transportation expenses.
Nearby Cities
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Why Choose a Mortgage Lender in Mount Pleasant?
Local Market Knowledge
Lenders who understand Mount Pleasant's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in North Carolina.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Mount Pleasant and get competitive rates on your home loan.