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20 agents listed
Updated May 2026
Wilmington, 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 North Carolina before hiring.
Showing 20 mortgage lenders in Wilmington, 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.
1630 Military Cutoff Rd #104, Wilmington, NC 28403
9106853390
Atlantic Coast Financial Services
4520 Fountain Dr, Wilmington, NC 28403
9107911337
Coastline Mortgage Consultants LLC
215 Racine Dr STE 105, Wilmington, NC 28403
9105091561
Kelly Jennings - Senior Mortgage Loan Officer NMLS 2003818 - Lower Local Mortgage
1608 Queen St Office #12, Wilmington, NC 28401
9103636602
Seaside Mortgage Corporation
5653 Carolina Beach Rd, Wilmington, NC 28412
9104520876
Kelly Barnes Southern Trust Mortgage
1630 Military Cutoff Rd #104, Wilmington, NC 28403
9102970448
Union Home Mortgage
1209 Culbreth Dr Suite 201, Wilmington, NC 28405
9103756327
Dale Lacy | Southern Trust Mortgage
1630 Military Cutoff Rd #104, Wilmington, NC 28403
9105240851
Elizabeth Heldreth - Gateway Mortgage
110 S Front St, Wilmington, NC 28401
9107650227
Loansteady Wilmington
301 Government Center Dr Suite 200, Wilmington, NC 28403
9105186245
Wilmington North Carolina offers a variety of mortgage lenders to help you finance a home in the Cape Fear region. North Carolina law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local lenders can guide you through options like conventional loans FHA loans and VA loans for the Wilmington housing market.
What Does a Mortgage Lender in Wilmington Cost?
Typical costs for a mortgage lender in North Carolina include an origination fee of 0.5 to 1 percent of the loan amount and third party fees for appraisal and credit report. Closing costs in Wilmington usually range from 2 to 5 percent of the home purchase price. For a 300000 dollar home closing costs might be 6000 to 15000 dollars. These figures vary by lender loan type and property. This is general information and 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 license does a mortgage lender need in North Carolina?
In North Carolina mortgage loan originators must hold a valid license through the NMLS. They must also complete pre-licensing education and pass a background check. You can verify a lender license on the NMLS Consumer Access website.
Are there down payment assistance programs in Wilmington NC?
Yes the North Carolina Housing Finance Agency offers down payment assistance for qualified buyers in Wilmington. Programs include the NC Home Advantage Mortgage with up to 5 percent down payment help. Eligibility depends on income and purchase price limits set by the program.
What is the typical closing timeline for a mortgage in North Carolina?
A standard mortgage closing in North Carolina takes 30 to 45 days from application to closing. North Carolina is an attorney state so a real estate attorney must handle the closing. Delays can occur due to appraisal or title issues.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, 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 North Carolina.