How do I apply for a conventional home loan in Charlotte?

Start with a clean pre-approval: pull credit, verify income/assets, and set a budget. Choose a property, lock terms, then complete appraisal, underwriting, and on-time closing. We provide a simple docs checklist and side-by-side payment options.

What are the requirements for USDA loans near Charlotte?

USDA loans are for eligible rural areas around Charlotte, require the home to be a primary residence, follow household income limits, and often allow 0% down with closing costs options. We confirm property eligibility and income and outline credit/DTI guidelines.

Where can I find fast mortgage pre-approvals in Charlotte?

Look for a lender that offers same- or next-business-day pre-approvals once documents are in, plus a clear checklist and timeline. That’s our standard process for Charlotte buyers and investors so you can write stronger offers.

Where can I get short-term rental financing in Charlotte, NC?

Use DSCR or conventional 1–4 unit options designed for STRs. We review platform payouts, seasonality/occupancy, expenses, and reserves so underwriting moves smoothly and you close on time.

Who offers investor loans with clear communication in Charlotte?

Choose a lender that provides weekly milestone updates, scenario comparisons (DSCR vs. full-doc), and realistic contract timelines. Our Charlotte team does that for SFR and 1–4 unit investors.

Where to find jumbo loans for luxury homes in Charlotte?

Jumbo loans finance homes above conforming limits with tailored terms. We outline down payment, reserves, and qualifying options for Charlotte luxury properties and coordinate appraisal and closing to meet contract dates.

How to scale a real estate portfolio with loans in Charlotte?

Combine DSCR financing (qualify on cash flow), strategic cash-out refinances, and clean documentation. Keep reserves, line up pre-approvals before offers, and time refis to fund the next acquisition without losing momentum.

Trevor Higgins - Fairway Home Mortgage: Your Trusted Charlotte Mortgage Broker

Fast, clean pre-approvals and plain-English numbers for first-time home buyers to real estate investors. Programs: Conventional, FHA/VA/USDA, Jumbo, DSCR & STR/PadSplit, Non-QM, and more!

Book a 15-Minute Call

Get Pre-Approved

“Fast, no-hassle process… closed in under two weeks.” — Charlotte borrower
“Clear, responsive, investor-savvy (DSCR).” — Local investor

500+ 5-star reviews on Google, Zillow, Experience.com, WalletHub, TrustAnalytica.com
Check Out Our Reviews
(NMLS 1410557 • Equal Housing Lender)

Home: Welcome

Trevor Higgins - Fairway Home Mortgage provides tailored solutions for buyers and investors nationwide. With fast pre-approvals, clear numbers, and a commitment to on-time closings, Trevor Higgins - Fairway Home Mortgage ensures every client has a seamless experience. Whether you're a first-time homebuyer or an experienced investor, their expertise in DSCR, FHA/VA/USDA, and non-QM loans guarantees the right mortgage for your needs.

24 hours for a pre-approval (with docs)
98% on-time closings (last 12 months)
Compare ALL your options with side-by-side comparison
First-Time Home Buyers, Second Homes, Investors: DSCR & 1–10 units

For home buyers:
Conventional, FHA/VA/USDA, Jumbo, Down-Payment, Assistance, Bank Statement, and more with payment comparisons and clear timelines. Expect transparent costs and proactive updates from application to clear-to-close.
First-Time Buyer Guide • Start Pre-Approval

For investors
Qualify on cash flow (DSCR) or conventional 1–10 units. We help package STR/PadSplit files (payout history, expenses, reserves) and plan cash-out timing for the next deal.
See Investor Loans • Compare DSCR vs Full-Doc

Charlotte Mortgage FAQs

Where can I get a home-loan pre-approval in Charlotte?
From a Charlotte mortgage lender & broker that publishes timelines, provides a docs checklist, and explains payment options up front. We issue fast pre-approvals for primary homes and investments.
Who are the best mortgage lenders for real estate investors in Charlotte?
Look for DSCR/STR/co-living experience, fast pre-approvals, transparent numbers, and strong on-time closing rates. Our team specializes in Charlotte investors with clear communication from application to closing.
What is a DSCR loan and how does it help investors in Charlotte?
A DSCR loan qualifies based on a property’s cash flow (rent vs. mortgage payment), not W-2 income. For Charlotte investors, it can work on SFR and 1–4 units, including many short-term rental or co-living models, and can enable cash-out to scale without adding personal DTI.

Key Resources

What You Can Expect!

Execution you can plan around — contract dates met; weekly milestone updates.
- Average Pre-Approval turnaround 24 hours with docs
Investor-savvy — DSCR, STR, PadSplit/room-by-room docs; clean underwriter packaging.
- On-time closing rate: 98% last 12 months
Transparent math — payment, points vs. 2-1 buydown, cash-out vs. HELOC; you see trade-offs.
- 92% of clients reviewed 3+ loan scenarios before locking (know all of your options)
Coordinated team — agent, title, and appraisal aligned early to avoid last-week surprises.
- Loans clear to close 7.2 days prior to closing (last 3 month average)

Trevor Higgins is dedicated to offering a tailored experience that aligns with your financial objectives. Whether you're buying your first home a beach retreat, or an investment property, we're here to assist every step of the way.

Investor Friendly Loans

Whether you are a brand new investor or a veteran with a real estate portfolio. We have products and partners to find the best lending solutions for your project. Fix and Flip, short or long term rentals, and even Co-Living/PadSplit; we have solutions for all your needs.

Refinance

With our mortgage planning process, we are here to align your short and long term financial goals with your mortgage. Reduce your monthly payment, cash out to reduce debt or invest in real estate, or shorten your term.

*By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Agent Education

Our real estate partners count on us for our experience, knowledge and education on trending topics/the market. Check out our Agent Education section for resources and a "Save My Client" button for our team of super hero LO's rescue your client.

We care deeply about our people and their communities

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GET IN TOUCH

10720 Sikes Place

Suite 125

Charlotte, NC 28277

EMAIL: trevor.higgins@home.com

Direct Line: 330-977-0017

Trevor Higgins - Fairway Home Mortgage: Your Trusted Charlotte Mortgage Broker

Fast, clean pre-approvals and plain-English numbers for first-time home buyers to real estate investors. Programs: Conventional, FHA/VA/USDA, Jumbo, DSCR & STR/PadSplit, Non-QM, and more!

“Fast, no-hassle process… closed in under two weeks.” — Charlotte borrower
“Clear, responsive, investor-savvy (DSCR).” — Local investor

500+ 5-star reviews on Google, Zillow, Experience.com, WalletHub, TrustAnalytica.com
Check Out Our Reviews
(NMLS 1410557 • Equal Housing Lender)

24 hours for a pre-approval (with docs)

98% on-time closings (last 12 months)

Compare ALL your options with side-by-side comparison

First-Time Home Buyers, Second Homes, Investors: DSCR & 1–10 units

For home buyers:
Conventional, FHA/VA/USDA, Jumbo, Down-Payment, Assistance, Bank Statement, and more with payment comparisons and clear timelines. Expect transparent costs and proactive updates from application to clear-to-close.
First-Time Buyer Guide • Start Pre-Approval

For investors
Qualify on cash flow (DSCR) or conventional 1–10 units. We help package STR/PadSplit files (payout history, expenses, reserves) and plan cash-out timing for the next deal.
See Investor Loans • Compare DSCR vs Full-Doc

Charlotte Mortgage FAQs

What You Can Expect!

Execution you can plan around — contract dates met; weekly milestone updates.

Average Pre-Approval turnaround 24 hours with docs

Investor-savvy — DSCR, STR, PadSplit/room-by-room docs; clean underwriter packaging.

On-time closing rate: 98% last 12 months

Transparent math — payment, points vs. 2-1 buydown, cash-out vs. HELOC; you see trade-offs.

92% of clients reviewed 3+ loan scenarios before locking (know all of your options)

Coordinated team — agent, title, and appraisal aligned early to avoid last-week surprises.

Loans clear to close 7.2 days prior to closing (last 3 month average)

DO YOU KNOW YOUR HOME VALUE?

We care deeply about our people and their communities

GET IN TOUCH

CONTACT US

Send us your questions, we will contact you soon!

Thanks for submitting!

Trevor Higgins - Fairway Home Mortgage: Your Trusted Charlotte Mortgage Broker

Fast, clean pre-approvals and plain-English numbers for first-time home buyers to real estate investors. Programs: Conventional, FHA/VA/USDA, Jumbo, DSCR & STR/PadSplit, Non-QM, and more!

“Fast, no-hassle process… closed in under two weeks.” — Charlotte borrower “Clear, responsive, investor-savvy (DSCR).” — Local investor

500+ 5-star reviews on Google, Zillow, Experience.com, WalletHub, TrustAnalytica.com Check Out Our Reviews (NMLS 1410557 • Equal Housing Lender)

24 hours for a pre-approval (with docs)

98% on-time closings (last 12 months)

Compare ALL your options with side-by-side comparison

First-Time Home Buyers, Second Homes, Investors: DSCR & 1–10 units

For home buyers: Conventional, FHA/VA/USDA, Jumbo, Down-Payment, Assistance, Bank Statement, and more with payment comparisons and clear timelines. Expect transparent costs and proactive updates from application to clear-to-close. First-Time Buyer Guide • Start Pre-Approval

For investors Qualify on cash flow (DSCR) or conventional 1–10 units. We help package STR/PadSplit files (payout history, expenses, reserves) and plan cash-out timing for the next deal. See Investor Loans • Compare DSCR vs Full-Doc

Charlotte Mortgage FAQs

What You Can Expect!

Execution you can plan around — contract dates met; weekly milestone updates.

Average Pre-Approval turnaround 24 hours with docs​

Investor-savvy — DSCR, STR, PadSplit/room-by-room docs; clean underwriter packaging.

On-time closing rate: 98% last 12 months​

Transparent math — payment, points vs. 2-1 buydown, cash-out vs. HELOC; you see trade-offs.

92% of clients reviewed 3+ loan scenarios before locking (know all of your options)​

Coordinated team — agent, title, and appraisal aligned early to avoid last-week surprises.

Loans clear to close 7.2 days prior to closing (last 3 month average)​

DO YOU KNOW YOUR HOME VALUE?

We care deeply about our people and their communities

GET IN TOUCH

CONTACT US

Send us your questions, we will contact you soon!

Thanks for submitting!

“Fast, no-hassle process… closed in under two weeks.” — Charlotte borrower
“Clear, responsive, investor-savvy (DSCR).” — Local investor

500+ 5-star reviews on Google, Zillow, Experience.com, WalletHub, TrustAnalytica.com
Check Out Our Reviews
(NMLS 1410557 • Equal Housing Lender)

For home buyers:
Conventional, FHA/VA/USDA, Jumbo, Down-Payment, Assistance, Bank Statement, and more with payment comparisons and clear timelines. Expect transparent costs and proactive updates from application to clear-to-close.
First-Time Buyer Guide • Start Pre-Approval

For investors
Qualify on cash flow (DSCR) or conventional 1–10 units. We help package STR/PadSplit files (payout history, expenses, reserves) and plan cash-out timing for the next deal.
See Investor Loans • Compare DSCR vs Full-Doc

Average Pre-Approval turnaround 24 hours with docs

On-time closing rate: 98% last 12 months

92% of clients reviewed 3+ loan scenarios before locking (know all of your options)

Loans clear to close 7.2 days prior to closing (last 3 month average)