An On Point

Lending Experience

Use one of our quick tools to find out what type of loan you quality for.

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.








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.


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.


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.

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.

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

– TJ Lynch – Charlotte, NC
Helpful, responsive, awesome!
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“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!!!”
– C.M.L. Yogi – Matthews, NC
Rebecca is the bomb
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“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.”
– A.P. Canty – Charlotte, NC
Second to none
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“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.


Give you an on point experience that’s customized to you and your unique goals.


Work to empower personal and professional growth for all of our employees


Here at On Point Home Loans we make it a point to give back to our community through our Give On Point philosophy.

We Are Licensed In

Currently Licensed In

Coming Soon

Hannah Marie
Hannah Marie
If you are looking for a loan company, run, don't walk to set up a consultation with Ana Rodriguez. She was the absolute best loan officer I could have asked for. Very responsive and made my first experience buying a home very pleasurable! She was always on top of her game and very knowledgeable. Looking forward to working with her again in the future!
Bobbie Calabrese
Bobbie Calabrese
Anna and Melissa were great to work with. they made the process seamless and easy. Great working with them!
Casey Burke
Casey Burke
I was in the market for a quick refinance on my house, and Eli Langford and his team of professionals helped me achieve this in the fastest I've ever heard of. Eli and Melissa were able to close my loan refinance in a matter of literally 14 days after starting my official application! That was tremendous for me and my family. My spouse had a surgery coming up and we needed a payout included in my refinance and they were able to close it with absolutely no hiccups in 14 days...that was 14 - 31 days sooner than any other competing company had offered me. All I had to do was be quick and diligent with the information they needed from me and they executed the rest for me. It was all very hassle free, and a lot less stressful than the first time I bought my house. This company and their professionals are easy on the customer and their needs. They had no problem answering any of my million questions I had for them, nor minded to repeat themselves, or explain in a different way, when I asked the same questions multiple times throughout the process. Both Eli and Melissa were willing to work late (past 5pm) each day; if I needed them for anything specific or even just more questions I may have had. I really felt they were in MY corner the whole time, and they made this whole experience a true Breeze for me and my family. I cannot recommend this company or their highly trained professionals enough! Do yourself a favor and give them a try for any of your home loan needs.
Chad Hawley
Chad Hawley
A huge Thank you to Levi and his team. They provided a great client experience from start to finish. Melissa was there every step of the way with relevant updates and communication throughout the process. I highly recommend On Point Home Loans for your mortgage needs. Thank you all again!
Brian Tubbs
Brian Tubbs
This was the second refi I have done and I was blown away by how quickly the team of Henrique, Ana and Eli got this done. They had to compete for my business with three other companies and they beat them on all front; responsiveness, professionalism and of course value (i.e. lowest rate). Thanks for making this my best and likely last refi for this property.
Lane Sulhan
Lane Sulhan
Levi and Jennifer knocked it out of the park for me. They were responsive and on top of all the details. Closed out my refi quickly and at a great rate. I wouldn't hesitate to recommend them again.
Jerry Li
Jerry Li
If I could give 6 stars I would. Michael and co. were awesome and very helpful. Super patient with my questions and worked with me through the entire steps of my refinancing process. I highly recommend him and On Point Home Loans, and will be looking to use them for any of my financing needs in the future.
Nahir Habet
Nahir Habet
We had an absolutely great experience with the loan application and closing process. Eli and Melissa were attentive and responsive; they kept us well informed and up to date on deadlines and next steps. With such a big decision, it was important to be supported by qualified individuals who cared.
Aaron Shreve
Aaron Shreve
Levi was great to work with. He was very knowledgeable about different ways we could do the home loan and fully explained what my options were. Highly recommend to anyone who’s in the market. The rates offered were also much better then larger banks would offer. Looking forward to doing business with Levi here in the future!