Charlotte's #1 Rated Mortgage Broker

Charlotte Mortgage Broker
You Can Actually Trust.

Trevor Higgins and the Fairway Home Mortgage team deliver 24-hour pre-approvals, plain-English loan comparisons, and a 98% on-time closing rate — for home buyers and real estate investors across Charlotte, NC and nationwide.

📅 Book a Free 15-Min Call Get Pre-Approved →
24-hour pre-approvals (with docs) 98% on-time closing rate 500+ 5-star reviews 12+ years experience
24 hrs
Pre-approval turnaround with docs submitted
98%
On-time closing rate over the last 12 months
500+
5-star reviews across Google, Zillow & more
7.2 days
Average clear-to-close before contract date
who we help

One team. Two paths. Every loan type.

🏠

Charlotte Home Buyers

Whether you're buying your first home in Charlotte or upgrading, we give you side-by-side loan comparisons, transparent costs, and proactive communication from application to clear-to-close. No surprises. No guesswork.

First-Time Buyer Conventional FHA VA USDA Jumbo Down Payment Assist
  • Compare 3+ loan scenarios before you lock — side by side
  • Pre-approval letter in 24 hours with full doc review
  • Weekly milestone updates — never wonder what's next
  • Agent, title, and appraisal coordinated early
  • First-time buyer education and down payment guidance
Start My Pre-Approval →
📈

Charlotte Real Estate Investors

We specialize in investment property loans that match how you actually invest. DSCR qualifying on rental income, STR/Airbnb file packaging, PadSplit co-living experience, and cash-out timing to fund your next deal.

DSCR Loans Short-Term Rental PadSplit / Co-Living Cash-Out Refi 1–10 Units Non-QM
  • DSCR loans — qualify on cash flow, not W-2 income
  • STR and PadSplit payout history accepted for qualification
  • Clean file packaging for fast underwriting approval
  • Cash-out refi strategy to fund your next acquisition
  • 1–10 unit portfolios and fix-and-flip financing
Explore Investor Loans →
frequently asked questions

Charlotte Mortgage Questions, Answered.

Plain-English answers to the questions Charlotte home buyers and investors ask most.

How fast can I get a mortgage pre-approval in Charlotte, NC?

We issue pre-approvals within 24 hours when you submit your documents. Our process includes a full credit review, income verification, and loan comparison so you're not just pre-approved — you understand your best options before you make an offer. See our full process →

What is a DSCR loan and how does it help Charlotte real estate investors?

A DSCR (Debt Service Coverage Ratio) loan qualifies based on your rental property's cash flow — not your W-2 or tax returns. If the rent covers the mortgage payment, you can qualify. Ideal for Charlotte investors with LLCs, self-employment income, or multiple properties. Learn more about DSCR loans →

What mortgage programs are available for first-time home buyers in Charlotte?

First-time buyers in Charlotte can access FHA loans (3.5% down), USDA loans (0% down in eligible areas), VA loans for veterans (0% down), Conventional 97 (3% down), and down payment assistance programs. We walk you through every option side by side. Free First-Time Buyer Guide →

Can I get an Airbnb or short-term rental mortgage in Charlotte?

Yes. We specialize in short-term rental (STR) mortgages for Airbnb and VRBO properties in Charlotte. We use your STR payout history, projected rental income, and expense documentation to build a clean underwriting file. DSCR and conventional 1–4 unit options available. Explore STR loan options →

Does Fairway Home Mortgage offer VA loans in Charlotte?

Yes. Fairway Home Mortgage is one of the nation's leading VA lenders. We help veterans and active-duty service members access VA loans with 0% down payment, no PMI, and competitive rates in Charlotte and across NC. Learn about VA loans →

What is the difference between a mortgage broker and a mortgage lender?

A mortgage broker shops multiple lenders on your behalf to find the best rate and program for your situation. At Fairway Home Mortgage, we operate as both — giving you access to a wide range of loan products with fast in-house underwriting and processing. About our team →

Have a question not answered here? We're a 15-minute call away.

Book a Free Call with Trevor →
client reviews

What Charlotte Borrowers Say About Us.

★★★★★

"I had an exceptional experience working with Trevor. His knowledge, patience, and clear communication made the process smooth and stress-free. He explained every step in detail and gave me the confidence to make the best decision. Trevor truly goes above and beyond."

Katherine P. · Experience.com · 2025
★★★★★

"He worked incredibly hard to get me to the closing table. He kept me updated as we went along and helped the whole process feel less stressful. I felt like I was a person — not just a credit score or a file or a number. I would absolutely recommend him to anyone."

Jessica A. · Experience.com · 2025
★★★★★

"Trevor and his team are outstanding! I've been in the mortgage industry for more than 20 years. The speed at which they moved to get my loan approved and closed was nothing short of miraculous. I highly recommend Trevor!"

Anthony V. · Experience.com · 2024
View all 500+ reviews from Google, Zillow, and more →
where we've closed

Real Closings. Real Charlotte Neighborhoods.

Every pin is a client who trusted us to get them to the closing table. From Gastonia to Lake Norman, NoDa to Myers Park — this is what 12 years of Charlotte lending looks like.

Client closing locations across Charlotte NC and the surrounding metro — Mecklenburg, Gaston, Cabarrus, Union, Iredell, and Lincoln counties, plus York County SC.

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our process

Simple. Transparent. From Application to Keys.

1
Apply Online

5-minute application. Secure doc upload. We review everything before your call.

2
Get Pre-Approved

24-hour pre-approval. Side-by-side loan scenarios. You choose knowing the full picture.

3
Lock Your Rate

Agent, title, and appraisal aligned early. No last-minute surprises. Milestones sent weekly.

✓
Close On Time

Clear to close an average of 7.2 days before your contract date. 98% on-time rate.

Book a Free 15-Min Call with Trevor →
🎙️
featured podcast
Bringing It Home with Trevor Higgins
Real estate and mortgage insights for Charlotte buyers and investors. Expert guests, market updates, and plain-English breakdowns. New episodes weekly on YouTube.
Watch on YouTube →

Ready to Find Your Best Charlotte Mortgage?

No pressure. No jargon. Just a 15-minute conversation with Trevor to see exactly what you qualify for and what it costs.

📅 Schedule a Free Call Apply Now →
Trevor Higgins · Fairway Home Mortgage
10720 Sikes Place, Suite 125
Charlotte, NC 28277
Direct: 330-977-0017
trevor.higgins@home.com
Loan Products
Resources
Company

Copyright © 2026 Fairway Independent Mortgage Corporation ("Fairway") NMLS #2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. Youngest borrower must be at least 62 years old. Your monthly reverse mortgage advances may affect your eligibility for some other programs. At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage with interest from your assets. We will charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which we will add to the balance of the reverse mortgage loan. The balance of the reverse mortgage loan grows over time and interest will be charged on the outstanding loan balance. You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and you are therefore responsible for paying property taxes, insurance, and maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may subject the property to a tax lien or other encumbrance or to possible foreclosure. Interest on reverse mortgage is not deductible to your income tax return until you repay all or part of the reverse mortgage loan.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity.

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

Pre-approval is based on a preliminary review of credit information provided to Fairway Independent Mortgage Corporation, which has not been reviewed by underwriting. Final loan approval is subject to a full underwriting review of support documentation including, but not limited to, applicants' creditworthiness, assets, income information, and a satisfactory appraisal.

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License No 41DBO-78367. Fairway Independent Mortgage Corporation NMLS ID #2289 (www.nmlsconsumeraccess.org). MA Mortgage Broker and Lender License #MC2289. Licensed in: NC, SC, PA, TN, TX, VA, FL, MD, CA, WA, OR, MA, CT, OH. SVP Area Manager, Ken Land NMLS# 108157 | 704-541-1171.

Legal Disclosure · Licensing · Texas Consumer Complaints · IL Community Reinvestment Notice
Complaints: (877) 699-0353 or customerservice@fairwaymc.com

■ Equal Housing Lender NMLS Consumer Access #2289 Trevor Higgins NMLS #1410557
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