When looking for a home loan, mortgage brokers can often help by offering you a competitive range of mortgages and home equity loans from a number of different banks. In North Carolina, any mortgage lender can act as a mortgage broker. However, all mortgage brokers must also be licensed as a loan officer in order to do business in North Carolina. All brokerage activity is overseen by the North Carolina Commissioner of Banks. Furthermore, mortgage brokers in North Carolina must maintain a principal office in the state. This does not limit the types of loans that a mortgage broker can offer consumers—for example, a mortgage broker in North Carolina can get you a loan from an out-of-state lender.
In addition to meeting state requirements, North Carolina mortgage brokers must be licensed through the National Mortgage Licensing System. Requirements for this license include ongoing education as well as pre-licensing courses on federal mortgage law, unconventional mortgages, ethics in lending and other state-specific laws and issues.
To find a mortgage broker in North Carolina who can best serve your needs, we recommend contacting two or more brokers and getting quotes from each. You can see a list of established North Carolina mortgage brokers by clicking the locations below. We’ve included an overview of the types of loans offered by each brokerage firm as well as contact information, business hours and office locations. |
