Licensed in North Carolina
Mortgages in Charlotte, done right.
Charlotte is North Carolina's largest city and the country's second-largest banking center after New York, which means plenty of national lenders already have a branch on every corner. We're not one of them. We're a broker who shops your file across 40+ of them instead of handing you one bank's own rate, a different kind of relationship for a lot of Charlotte buyers used to walking into a single branch.
#B-215268
NC License
982,000
Population
Written by the East Coast Mortgage team
Editorial review: East Coast Mortgage, NMLS #2354674 · Last reviewed
The second-largest banking center in the country. East Coast Mortgage is licensed to lend anywhere in North Carolina under state license #B-215268, Charlotte included, not a separate city-by-city license.
By the numbers
Charlotte financing data
Published figures only, each with its source and date. Not a rate quote, and not a commitment to lend.
$832,750
2026 conforming loan limit, one unit
Mecklenburg County, NC. Above this, a loan is a jumbo. Source: FHFA
National 30-year fixed market average, month-end close
| Month | Conventional | FHA | VA |
|---|---|---|---|
| Aug 2026 | 6.87% | 6.40% | 6.42% |
| Sep 2026 | 7.60% | 7.25% | 7.25% |
| Oct 2026 (to October 16) | 7.37% | 6.99% | 7.01% |
The conventional average moved up 0.50 percentage points between August 31, 2026 and October 16, 2026.
National averages from the Mortgage News Daily daily rate index, as of October 16, 2026. These are market averages for top-tier borrowers, not East Coast Mortgage rates and not an offer of credit. Your rate depends on your credit, loan amount, property, and the market on the day you lock. Weekly market recaps
Licensed to serve Charlotte
Real loan officers, individually licensed for all of North Carolina.
Popular programs in Charlotte
Every loan program below is available to Charlotte borrowers. See all 23 →
Home Loans for Military Families
Home loans backed by the VA for active-duty service members, veterans, and some spouses, with no monthly mortgage insurance.
FHA LoanEasier to Qualify For
A lower credit score and a smaller down payment are OK. A common choice for first-time buyers.
Conventional LoanThe Standard Option
For buyers with solid credit and some savings. Usually the lowest-cost choice if you qualify.
USDA LoanHome Loans Outside the City
Backed by the USDA for buyers in eligible small towns and suburbs, more areas than most people expect.
Jumbo LoanFor Higher-Priced Homes
When a home costs more than a standard loan covers, this is built for it.
RefinancingTrade In Your Current Loan
Lower your rate, change your term, or turn your equity into cash.
Not in Charlotte? See all of North Carolina or another city nearby: Raleigh.
Licensed loan officer? See openings in North Carolina →
Sources
- FHFA: Conforming loan limit values
- HUD: FHA mortgage limits lookup
- Mortgage News Daily: Daily mortgage rate index
General information, not advice for your specific situation. Program rules come from the agencies above and from each lender, and they change. A licensed loan officer confirms what applies to you.
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NMLS #2354674 · Equal Housing Opportunity · Not a commitment to lend