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Find Mortgage Lenders Near You in Southern Pines, NC
Looking for a mortgage lender in Southern Pines? Review the directory below to compare your options.
16 agents listed
Updated June 2026
Southern Pines, NC
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of North Carolina before hiring.
Showing 16 mortgage lenders in Southern Pines, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Bill Mecklenburg at Prosperity Home Mortgage - Southern Pines
Mortgage lenders in Southern Pines, North Carolina help home buyers and refinancing homeowners secure loans for residential properties. North Carolina law requires lenders to be licensed through the Nationwide Multistate Licensing System and to follow state-specific disclosure rules. Local lenders understand the Southern Pines real estate market and can guide you through the process of buying a home in Moore County.
What Does a Mortgage Lender in Southern Pines Cost?
Typical costs for a mortgage in North Carolina include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance costs of 500 to 1,500 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. North Carolina also charges a mortgage tax of 0.15 percent on the loan amount. Note that this is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Southern Pines?
You typically need recent pay stubs, tax returns, bank statements, and proof of identification. North Carolina lenders also require a signed authorization to check your credit report. Having these documents ready can speed up the application process.
Are there North Carolina-specific rules for mortgage lenders?
Yes, North Carolina requires all mortgage lenders and brokers to be licensed under the North Carolina Secure and Fair Enforcement Mortgage Licensing Act. Lenders must provide a Good Faith Estimate and a Truth in Lending disclosure within three business days of your application.
How long does a mortgage approval take in Southern Pines?
A typical mortgage approval in Southern Pines takes 30 to 45 days from application to closing. North Carolina law allows a three-day rescission period for refinances but not for purchase loans. Delays can occur if appraisals or title searches take longer.
Get matched with agents in Southern Pines who handle your type of case.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the State Mortgage Licensing Authority of North Carolina.