Foundation Home Loans
Tailored Mortgage Solutions to Meet Your Unique Needs
Expert Guidance for Your Home Financing Journey
At Foundation, Your Home Dreams Take Flight
Our company, Foundation Home Loans, embodies our firm conviction in the transformative power of homeownership for Americans’ financial futures. Whether guiding first-time buyers or assisting in financial restructuring for short- and long-term goals, our mortgage brokers in Charlotte, NC are committed to crafting personalized plans that pave the way to lasting financial security for our clients and those we have the privilege to educate and reviews prove it!
Our Goal?
Being your mortgage lender for life.
Being your mortgage lender for life.
At Foundation, we strive to be your mortgage banker for life.
We understand that anyone seeking a new mortgage lender in Charlotte, NC hasn’t yet found their long-term financial partner, and that’s precisely what we aim to be. With a commitment to care, communication, transparency, proactive solutions, and consistently competitive offers, we endeavor to spare you the pain and hassle of searching for lenders in the future.
This Win/Win approach benefits both our clients and our team, fostering lasting relationships built on trust and mutual success.
Estimate Your Monthly Payments
Understanding your potential mortgage payments is a crucial step in the home-buying process. Our easy-to-use Mortgage Calculator helps you estimate your monthly payments, so you can plan your finances with confidence. Simply enter your loan details and let our calculator do the rest.
What Our Customers Are Saying
Patrick Thompson2024-03-31Matt is great to work with. He is very knowledgeable and is patient. I had a lot of questions and he took the time to make me feel understood. He also looked out for my best interests, rather than just trying to sell me a loan. I have only great experiences with him.Brittany Russell2024-03-30Foundation Home Loans is truly run and staffed with authentic, honest, and caring people. They are experts in FHA and VA Conventional loans. Either Refi or Purchase, they will take great care of you. As a licensed real estate agent, I know how to recognize a great lender and these guys are top notch!Gordon Family2024-03-20Very friendly and knowledgeable staff. Overall great experience.Gerard Barrett2024-03-19It was a very good experience. The team kept me in the loop throughout the process giving me updates as soon as they received them. I had a lot of trust and confidence the tasks were being completed and they let me know when I needed to provide something. I recommend.Tucker Hill2024-03-16Matt is hands down the best load agent I have worked with. Within 12 hours he provided me a pre-approved loan and an interest rate WELL lower than any rate I had been offered by 5 other agencies. When I explained to the other agencies what interest rate Matt told me he could get me (about .7% lower than ANY other rate I was offered), they assured me Matt was lying and could not possibly offer me that rate. I expressed my concern to Matt and he asked me to trust him. I trusted the process and got the interest rate Matt have offered. The process was seamless and I have and will continue to solely recommended Matt to my friends, family, and coworkers who are looking for a trustworthy load agent for their future forever home purchases. Matt, you are truly a blessing!Ben Cherry2024-03-15Matt is one of the most knowledgeable and hard working servant leaders I have met in the lending world. He cares about his people which in turn results in providing excellent service to his clients in search of a lending partner for their homes.Noel Nickerson2024-03-13I've used Matt for years, glad he still keeps in contact so that when you need a guy...I got him! Matt definitely has always had what's best for me in mind and I can honestly say I trust him. You get so tired of redundant mortgage brokers with the gimmicks, Matt is straight to the point, monitors the ever changing market for the best timing, and accomplishes what you set out to do with significantly lower closing costs. To those potential clients, just talk with him a bit you'll understand what I mean quickly. Matt, we'll be in touch brother, be good!Adam Aris2024-03-13Matt and his team were wonderful to work with. They were very helpful throughout the process. Everyone in the team is professional, on the ball, taking great care in their work. Our closing costs were less expensive compared to other lenders we researched and the overall experience was great through it all. I felt safe and taken care of.Michael McGinnis2024-03-12I have not used Foundation Home Loans personally, but I wanted to speak to the integrity of these folks. You will not work with more honorable, caring people in this industry, and that is a fact! As a new company, I have not needed their services, but will definitely use them for future loans. MikeDr. Tommy Bischoff2024-03-12Matt is a wonderful person- passionate, kind, and full of positive energy. He looks out for the people with whom he works. Highly recommend him and his team.
Stay Informed and Empowered in Your Home Financing Journey
We offer a variety of loan options including Conventional, FHA, VA, USDA, Non-QM, and Down Payment Assistance programs. Our goal is to find a mortgage solution that fits your unique needs.
Choosing the right loan depends on several factors like your credit score, down payment, income, and financial goals. Our experienced loan officers can help you assess your situation and recommend the best option for you.
The mortgage application process involves several steps: pre-qualification, loan application, documentation submission, loan processing, and finally closing. We guide you through each step to ensure a smooth experience.
The required down payment varies depending on the loan type. For instance, conventional loans typically require 5-20%, while FHA loans can go as low as 3.5%. We also offer down payment assistance programs to help make homeownership more accessible.
Yes, refinancing is a great option to consider for lowering your interest rate, reducing monthly payments, or tapping into home equity. We can evaluate your current mortgage and goals to determine if refinancing is right for you.
On average, the mortgage process takes about 30-45 days from application to closing. However, this timeline can vary based on individual circumstances and the specifics of your loan.
Absolutely. We have programs specifically designed for first-time buyers, including educational resources and special loan options to help make your first home purchase a success.
Have any questions? Don’t hesitate to reach us.
Ready to Get Started?
Our team at Foundation Home Loans is dedicated to providing you with all the information you need to make informed decisions about your mortgage. Don’t hesitate to reach out for more personalized assistance.