πŸ“ž (727) 515-3839 βœ‰οΈ Brandon@LunaLending.com πŸ“ Wake Forest, NC Β· Serving all of North Carolina
🏠

Home Purchase Loans

From pre-approval to closing day, Brandon secures the best available rate for your home in Wake Forest or anywhere in North Carolina, and keeps the process clear and on schedule.

Get pre-approved β†’
πŸ”„

Refinance

Lower your rate, shorten your term, or change loan type. A quick refinance analysis shows whether the numbers make sense for you.

See my savings β†’
πŸ’°

Cash-Out Refinance

Tap your home's equity for renovations, debt consolidation, or major expenses while potentially improving your rate.

Explore cash-out β†’
⭐

FHA Loans

Low down payments (as little as 3.5%) and flexible credit guidelines β€” a popular path for first-time buyers across NC.

Check eligibility β†’
πŸ‡ΊπŸ‡Έ

VA Loans

For eligible veterans, active-duty service members, and surviving spouses: zero down payment and no monthly PMI.

Use my benefit β†’
🌾

USDA Rural Loans

Many communities near Wake Forest qualify for 100% USDA financing for eligible buyers and properties.

Check USDA β†’
πŸ’Ž

Jumbo Loans

Financing for higher-value homes above conforming limits, with competitive rates for well-qualified borrowers.

Get a jumbo quote β†’
πŸ“ˆ

Conventional 15/30-Yr

Classic fixed-rate loans with as little as 3% down for qualified buyers, and the ability to drop PMI over time.

Compare options β†’
🧾

Non-QM / Self-Employed

Bank-statement and investor programs for self-employed borrowers and unique income situations.

Talk options β†’
FAQ

Loan questions, answered

What is the minimum down payment in North Carolina?
It depends on the program β€” VA and USDA can be 0% down, FHA as low as 3.5%, and conventional from 3% down for qualified buyers.
Can I get an FHA loan with a lower credit score?
Often yes. FHA is built for flexible qualifying and can work for buyers with lower scores or limited down payment. Brandon can review your situation and lay out the options.
Do USDA loans work near Wake Forest?
Many communities around Wake Forest and across NC fall in USDA-eligible zones with 100% financing for qualified buyers. Brandon can check a specific address.
What is a non-QM loan?
A non-qualified mortgage uses alternative income documentation such as bank statements β€” useful for self-employed borrowers and investors who don't fit conventional guidelines.

Not sure which loan fits?

That's exactly what Brandon is here for. Tell him about your goals and he'll recommend the right program β€” at no cost.