Purchase & Refinance Home Loans
Experience mortgage innovation
Let’s Make This Easy
Home loans have a lot of moving parts, let our experience make it easier for you.
Meet Our Home Loan Experts
We're Your Home Loan Advocates
Ditch the hassle, unlock your dream home
Experience a simple & smooth loan journey with 1st Advantage Mortgage. No stress, just seamless steps to your new address.
Fast-track your homeownership
Skip the loan labyrinth. Our streamlined process gets you to closing day faster, leaving you more time to dream about decorating.
Mortgages With a Human Touch
We hold your hand in the home loan maze: You’re not just a file, you’re our priority. Our friendly experts are here to answer your questions, ease your anxieties, and celebrate your wins
We’re one of the best mortgage lenders in the state, but don’t take our word for it…
We’re consistently helping our community purchase & refinance their homes — explore their testimonials and discover more about our award-winning service.
Purchase
1st Advantage Mortgage Makes Home Loans Easier
- Stress-free home loan process
- Your personal Mortgage Expert will help you every step of the way
Refinance
We’re A Top Option For Mortgage Refinance
- Lower your monthly mortgage bill
- Get lower interest rate (or get away from a variable interest rate)
- Use your home equity for other needs, such as a home renovation or to pay off debt
With a passion for helping all home buyers, whether you are an experienced home buyer, a first-time homebuyer, or have had challenges getting approved in the past – no matter your circumstances, we are experts at getting you approved more easily than you ever could have imagined.
Get A Verified Pre-Approval!
Close On Your Home Confidently
Not every home loan out there closes as expected, and things can take a turn for the worst even at the last minute. With other mortgage companies, having a pre-qualification or even a pre-approval doesn’t ensure your home loan will close. We take a different approach. We can have your pre-approval verified by underwriting before you even go under contract.
The underwriter will verify the most important qualities of your profile and scenario ensuring that you home loan will go smoothly. This also makes your offer more appealing to the seller and provides peace of mind throughout your home loan process.
Frequently Asked Questions About Home Loans and Mortgage Refinancing
What credit score is needed to buy a home?
Credit score requirements vary by loan program and overall financial profile. Most conventional home loans typically require a minimum score around 620, while government-backed programs such as FHA, VA, and USDA may allow lower scores depending on qualifications and compensating factors. Rather than focusing on a single number, we evaluate your full financial picture to determine the best home loan options available.
How much income do I need to qualify for a mortgage?
Income requirements depend on your debt-to-income ratio (DTI), credit profile, and loan type. Most programs allow a DTI between 43% and 50%. We help structure mortgage approvals to maximize purchasing power while keeping payments manageable.
How long does it take to close on a home loan?
Most home purchases close within 21 to 30 days, depending on the loan type and documentation. Our team works closely with buyers and real estate agents to ensure smooth, on-time closings.
Is it better to use a mortgage broker or a bank?
A mortgage broker provides access to multiple wholesale lenders rather than a single bank’s loan products. This often results in more competitive interest rates, flexible guidelines, and customized financing solutions.
When does refinancing a mortgage make sense?
Refinancing may make sense when interest rates drop, when you want to reduce monthly payments, shorten your loan term, or access home equity through a cash-out refinance. We help homeowners evaluate break-even points and long-term savings before making a decision.
How much equity is required for a cash-out refinance?
Most cash-out refinance programs allow homeowners to access equity while maintaining at least 20 percent ownership in the property. Loan limits and guidelines vary by program and market conditions.
Are first-time homebuyer programs available?
Yes. First-time homebuyers may qualify for low down payment options, down payment assistance, and competitive interest rates through FHA, VA, and conventional programs. We help buyers understand all available options before choosing a loan.
What documents are required to apply for a mortgage?
Most mortgage applications require recent pay stubs, W-2s or tax returns, bank statements, identification, and employment verification. Our process is designed to keep documentation simple and approvals efficient.
Legal information
² No -Down Payment Disclaimer: Closing costs and fees may still apply
³ Lending Disclaimer: Mortgage rates are subject to change and depend on the borrower(s) qualification. APR rate(s) quoted are based upon a (loan amount), (loan term, including whether fixed or ARM) year.
⁴ Refinancing Disclaimer: When refinancing your mortgage , you can typically reduce your monthly payment amount. However, your total finance charges may be greater over the life of your loan. Your 1st Advantage Mortgage loan professional will provide you with a comprehensive refinance comparison analysis to determine your total life loan savings.
⁵ VA Mortgage Disclaimer: VA home loan purchases offer options for a 0% down payment, no private mortgage insurance requirements, and competitive interest rates with specific qualification requirements. VA Interest Rate Reduction Loans (IRRRL) are exclusively for veterans with current VA loans – current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA cash-out refinances are available for veterans with or without current VA loans. Policies and guidelines may vary and are subject to individual borrower(s) qualifications. Program and lender overlays apply.
⁶ Down Payment Assistance Disclaimer: First-lien interest rates may be higher when using a DPA.
⁷ Pre-Approval Disclaimer: Pre-approvals are granted to clients who meet qualifying approval criteria and specific loan requirements at the time of application. Results may vary.
General Disclaimer: The content on this page has not been approved, reviewed, sponsored, or endorsed by any department or government agency.
NMLS® Consumer Access℠: https://nmlsconsumeraccess.org/
North Carolina Mortgage Broker License: B-217173
Florida Mortgage Broker License: MBR6689