Downtown Wilmington home loans, HELOCs & investor financing
Wilmington's historic district along the Cape Fear River — Riverwalk, Front Street, and the surrounding 18th- and 19th-century homes. A strong move-up market and a top STR district during festival weeks, weddings, and film/TV production. Renovation, jumbo, and DSCR loans are the heavy hitters here.
What Downtown Wilmington buyers and investors come to Tom for
Downtown Wilmington HELOCs
Soft credit pull, no in-person appraisal, and 5-day funding. Keep your low first-mortgage rate and tap your Downtown Wilmington home's equity for renovations, debt consolidation, or the next deal.
Downtown Wilmington DSCR loans
Qualify on the rent — not your tax returns. Strong fit for Downtown Wilmington investors stacking long-term rentals or coastal STRs.
Conventional, FHA, VA, USDA, Jumbo
Tom does the full menu of programs across Downtown Wilmington and New Hanover County. Whichever product fits your scenario, Tom shops it across multiple lenders.
All loan programs available in Downtown Wilmington
HELOC
Tap up to 85% of your home's equity in days. Soft pull, no in-person appraisal, fund in as little as 5 days.
DSCR Investor Loan
Qualify on the property's rent — not your tax returns. 30-year fixed, LLC-friendly, no portfolio limits.
Conventional
The classic 30-year fixed, with competitive rates for buyers with strong credit and predictable income.
FHA
Low 3.5% down payment, flexible credit guidelines, and great for first-time buyers.
VA
Zero down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses.
USDA
Zero-down financing in eligible rural and suburban areas of North Carolina.
Jumbo
Financing above the conforming loan limit for higher-value homes — common in Wilmington's coastal markets.
Non-QM
Bank-statement, P&L, and asset-depletion loans for self-employed buyers and investors.
Construction & Renovation
One-time-close construction loans and renovation financing for major remodels.
Ready to talk Downtown Wilmington home financing?
Or email Tom directly at thomas28403@gmail.com