Loan Officer
Banks offer their own products. Milestone offers the market. Your loan officer shops your scenario across 65+ investors to find the rate and program that fits your situation. You get options, not a take-it-or-leave-it quote.
Milestone serves homebuyers all across North Carolina, from Charlotte and Raleigh to Greensboro, Durham, and Wilmington. Your loan officer works with you remotely and has full access to the same 65+ investor network available at any Milestone branch. Whether you're buying a home near Fort Liberty or a townhome in the Triangle, you get the same process and the same network.
Clear-to-close in as few as 15 days. Every cost is upfront from day one. You see exactly what you're paying before you commit.
Your loan officer matches you to the right loan based on your goals, not a script. Whether you're a first-time buyer in Durham or refinancing in Winston-Salem, your loan officer walks you through every step from application to closing.
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!
Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.
Financing for luxury properties and high-value homes that exceed conventional loan limits.
Conventional Loans: The 2026 conforming loan limit in North Carolina is $832,750 statewide, with no county-level high-cost adjustments. That makes financing simpler here than in states where the limit changes county to county.
FHA Loans: FHA loan limits sit at the national floor of $541,287 across most of North Carolina’s 100 counties, rising to as much as $805,000 in a small pocket of northeastern coastal counties near the Outer Banks.
VA Loans: North Carolina is home to Fort Liberty near Fayetteville, one of the largest military installations in the world by population, along with Camp Lejeune, Marine Corps Air Station Cherry Point, and Seymour Johnson Air Force Base. VA loans are a natural fit given the state’s large military and veteran community.
USDA Loans: USDA eligibility runs through rural Eastern North Carolina and the western mountains, outside the Charlotte, Raleigh-Durham, Triad, and Wilmington metro areas.
Jumbo Loans: Because North Carolina’s conforming limit doesn’t change by county, the jumbo threshold is the same $832,750 statewide, whether you’re buying in Charlotte or on the coast.
Milestone serves homebuyers in Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville, Wilmington, and communities throughout the state. Your loan officer matches you to the right program, and with Fort Liberty anchoring one of the largest military communities in the country, VA loans see steady use here.
North Carolina requires a licensed attorney to handle title work and fund disbursement on every closing, a protection borrowers don’t get in every state. Milestone operates within full compliance of North Carolina’s regulatory framework and keeps current on programs like the NC Home Advantage Mortgage, which offers eligible buyers down payment assistance as a forgivable second loan.
Milestone serves homebuyers in 30+ states.
Can’t make it during business hours? Leave a message anytime and we’ll get back to you the next business day.
Milestone has 70+ loan officers ready to help you find the right mortgage. Tell us about your goals and we’ll match you with a loan officer who knows your market and fits your situation.
Fill out a short form on our website. We'll ask the basics: purchase or refinance, loan amount, and your timeline. Takes about 5 minutes.
Your loan officer reviews your scenario and shops it across 65+ investors. You'll receive personalized loan options and suggestions, not a generic rate sheet.
Once you've chosen the right option, your loan officer locks the rate and walks you through your documents. Upload everything through Milestone's secure portal.
Milestone coordinates with your real estate agent, title company, and appraiser. Clear-to-close in as few as 16 days.
Yes. North Carolina is an “attorney state,” which means a licensed attorney has to handle the title examination, prepare the closing documents, and control the disbursement of funds. Title companies can issue title insurance, but they can’t perform those legal functions on their own, so a real estate attorney is part of essentially every North Carolina closing.
Yes. The state charges an excise tax, sometimes called a revenue stamp, of $1 for every $500 of the sale price, which comes out to about $1,000 on a $500,000 home. It’s typically paid by the seller. Seven northeastern counties — Dare, Camden, Chowan, Currituck, Pasquotank, Perquimans, and Washington — can charge an additional local land transfer tax of $1 per $100. That’s a meaningfully higher rate to be aware of if you’re buying near the Outer Banks.
North Carolina actually has two separate protections that both get called a “homestead exemption,” and they do different things. The first is a bankruptcy and creditor protection: $35,000 of home equity for most owners, $60,000 for those 65 or older under certain conditions, and it can double for married couples who jointly own the home and file bankruptcy together. The second is a property tax break, the Elderly or Disabled Property Tax Homestead Exclusion, which excludes the greater of $25,000 or half your home’s appraised value from taxation if you’re 65 or older or totally and permanently disabled and your income falls under a limit the state adjusts every year.
Yes. The NC Home Advantage Mortgage offers down payment assistance up to 3% of your loan amount as a forgivable second loan, forgiven gradually starting in year 11 and fully forgiven by year 15 as long as you don’t sell or refinance before then. First-time buyers and veterans may also qualify for the separate NC 1st Home Advantage Down Payment option, worth up to $15,000.
Your Milestone loan officer will compare options from 65+ investors to find the right fit for your situation in North Carolina. Fill out a quick form and a loan officer will reach out to walk you through your options. Not in North Carolina? Milestone serves homebuyers in 30+ states.
