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Connect with our expert loan advisors

Take that first step by speaking to one of our loan advisors and get that expert advice that will help you through the loan process.

Our On Point Process puts you in control.

Convenient online access makes it easy to achieve
your financial and homeownership goals.

1. Fill Out The Online Form

Our quick and easy application is all you will need to get started and one of our Loan Advisors will connect with you promptly.

2. Get Approved

Determine your max pre-approval, receive a personalized offer that best fit your purchase or refinance needs. Think of us as your perfect matchmaker!

3. Close Your Loan

Verify and finalize your information with your loan advisor and proceed to closing stress-free.

4. Let Us Do The Rest

Make online payments with your servicer and put your mortgage to work.

Explore how the numbers add up.

Use our online resources below and explore more.

Purchase

Whether you’re a first time or experienced home buyer, the options can be overwhelming. Our expert loan officers will guide you through the different programs and payment options available to keep you at ease. We are dedicated to finding the best loan and rate for each client every time.

Explore your options

Refinance

Interest rates are the lowest they’ve been in years, making it a great time to drop your monthly payment, remove your monthly mortgage insurance, or tap into your home’s equity. There are all kinds of reasons for refinancing your home, and our experienced team will ensure you understand all of your options.

Explore your options

Build/Renovate

Building a new home from scratch or a big renovation can be daunting even to the most experienced homeowner. Let us help crunch the numbers and find the best loan so you can focus on designing a home you’ll love. We’ll take the stress out of financing and provide you with a smooth closing.

Explore your options

Apply Now and discover the lowest rates.

Your On Point experience starts here.

With more than 30 years of experience, our team has the knowledge and expertise to provide professional, accurate, high-quality service

Expertise that serves your needs

Our clients are some of the happiest in the industry.
Here’s What they’re saying.

"Rebecca helped me with my first mortgage. The was a big step for me and Rebecca made me feel confident with choosing her to help with my loan. She was extremely helpful and quick to respond with any questions I had. I would 100% recommend working with Rebecca to anyone. She is also very professional and down to earth at the same time with her communication. 10/10 would work with again!"

Levi worked with us for over of year giving us all the information we needed for our first home. He made it all seem easy even though we weren’t. Can’t thank him enough.

"Levi and his team did a superb job! All aspects of my refinancing were smooth and quick and so easy. I highly recommend them based on my very good experience."

Working with Scott was a dream. There was frequent communication, he provided an organized list of items needed, was very polite, friendly, and patient with me in my first-time home buying experience. Thank you!

"David and the On Point team are absolutely amazing! I thought for sure that the loan process would be the most inconvenient part of our home buying process, but thanks to On Point Home Loans, it was the easiest part! There were so many times I called David with questions or to ease my concerns, and he was there for me each time. David is so knowledgeable and it was truly a pleasure working with him. I knew that he had our best interest at heart and we’re very grateful for all of the hard work that David & the On Point team put in to make this process as smooth as possible for us! Thank you!"

Levi was friendly and knowledgeable from the start of my loan process. There was constant, open communication and I didn’t stress about my loan approval or the loan closing process.

"Hands down, the best experience I've ever had with a mortgage lender! I had a very tight time frame for closing and Scott and his team delivered on every promise on time and with a smile. Great team with fast and friendly service. I highly recommend Dejuan and his team. I promise you won't be disappointed!"

Our Promise

There isn’t a “one size fits all” in mortgages and we all have different goals when it comes to the place we call home. From your very first mortgage consultation to the closing table, our home loan experts are here to give you an on point experience that’s customized to you and your unique goals.

We promise to be there each step of the way providing you with the resources to make informed decisions and confidently choose the best mortgage, whether you’re buying your first house or refinancing your forever home.

After years of working for large banks and retail lenders, the founders of On Point saw that a considerable amount of time and money was invested into expensive advertising and elaborate corporate structures, which often resulted in loans that were highly overpriced.

Recent Google Reviews

“Levi was so much help. Purchasing your first home is no small task, and there are a ton of moving parts. With Levi’s help, however, the process was very smooth and painless. He was very organized and actually cared about me and my situation! There were multiple times I needed questions answered well after business hours, but that was never an issue – he made sure he always took the time to make sure I was taken care of no matter the time of day. Thank you Levi!!!”

“Rebecca was amazing. She really knows her job in/out. She treated me like family. Every question I asked Rebecca answered and gave me such reassurance that everything will be ok. As a first time home buyer moving to Charlotte not knowing any one and dreaming for a home, Rebecca made me feel so much at ease. With Gods blessings I would love to purchase another home in the future and Rebecca with be the only one getting my business. I have no regrets but tears of joy for what this young lady has done for me and my family. I love her to pieces. God bless you Rebecca.”

“I had a horrible experience with another lending company and Levi stepped in, gave me an honest assessment with all the options I had available and made it happen! I can’t thank him enough for everything he did to find the right loan for us with time to spare. He took customer service to the next level. I appreciate your patience and your diligence to get the loan done. Thank you again!”

Mission Statement

Here at On Point Home Loans we aspire to positively impact the people we work for, the people we work with and the communities we live in.

An On Point

Lending Experience

Connect with our expert loan advisors