CHARLOTTE MORTGAGE EXPERTS

Here at On Point Home Loans, you don’t just get a mortgage- you get a trusted partner dedicated to helping you achieve your homeownership dreams with confidence. We are local mortgage brokers with nationwide access to 150+ lenders and 40+ loan programs, ensuring you get the best possible rate and terms for your mortgage. Instead of spending hours shopping banks, we do the heavy lifting—saving you time, stress, and money. We would love to chat and earn your business!

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What Is a Fix and Flip Loan?

A Fix and Flip Loan is a short-term real estate financing option that provides investors with the funds to purchase, renovate, and resell properties for profit. Unlike traditional mortgages, which are designed for long-term homeowners, Fix and Flip Loans in Charlotte NC focus on the property’s after-repair value (ARV) rather than the borrower’s income alone.

These loans are ideal for real estate investors, contractors, and developers who need fast, flexible capital to move quickly on opportunities in Charlotte’s competitive housing market. Whether it’s a cosmetic remodel or a full renovation project, fix and flip financing helps investors turn distressed homes into high-value resale properties.

With On Point Home Loans, you gain access to fast approvals, flexible draw schedules, and competitive investor rates—empowering you to manage renovations efficiently and scale your investment business.

How Fix and Flip Loans Work in Charlotte, NC

Fix and Flip Loans in Charlotte NC are designed for real estate investors who need short-term, project-based financing to acquire and renovate properties for resale. These loans emphasize the after-repair value (ARV)—the estimated worth of the property once renovations are complete—rather than the borrower’s personal income.

Here’s how the process works:

Property Evaluation – The lender assesses the property’s current value and projected after-repair value (ARV) based on your renovation plans.
Loan Approval and Funding – Once approved, funds are issued quickly—often within 7–14 days—to help investors act fast on property purchases.
Draw Schedule Setup – Funds for renovation are released in stages (draws) as work progresses and inspections confirm project milestones.
Interest-Only Payments During the Term – Borrowers only pay interest on the amount drawn, reducing upfront financial pressure during construction.
Sale or Refinance Upon Completion – Once the property is renovated, you can sell for profit or refinance into a long-term mortgage to retain it as a rental asset.

With Charlotte’s strong housing demand and growing investment opportunities, a fix and flip loan from On Point Home Loans gives you the leverage and speed needed to turn projects into profitable returns.

Is a Fix and Flip Loan Right for You?

A Fix and Flip Loan could be the right financing solution if you’re an investor who wants to quickly acquire, renovate, and sell properties for profit in Charlotte, North Carolina. Unlike conventional loans, these programs focus on the project’s potential—not just your credit or income—making them ideal for experienced and new investors alike.

You might find a Fix and Flip Loan in Charlotte NC ideal if you:

Regularly buy and renovate residential properties to resell at a higher value.
Have an eye for undervalued homes in Charlotte’s fast-growing real estate market.
Want flexible financing that allows fast closings and staged renovation draws.
Need a short-term funding solution without traditional income documentation.
Prefer working with a local lender who understands North Carolina’s property trends and investor needs.

Fix and Flip Loans provide the agility and financial backing needed to move quickly in today’s competitive real estate landscape—helping you maximize returns and scale your investment portfolio.

You May Be a Great Fit for a Fix and Flip Loan If You

Invest in Residential Real Estate in Charlotte NC

You focus on buying and renovating single-family or small multifamily properties in Charlotte’s competitive housing market.

Have Experience in Property Renovation or Construction

You’re an investor or contractor familiar with budgeting, managing timelines, and overseeing renovation projects.

Need Fast Access to Capital

You want quick funding and flexible draw schedules to start your flip project without delays.

Focus on Short-Term Projects with High ROI

You plan to renovate and resell properties within 6–12 months, maximizing profits and reinvesting quickly.

Prefer Interest-Only Payments During the Loan Term

You value lower monthly payments while your funds are tied up in property improvements.

Work with Local Experts Who Understand Charlotte’s Market

You want guidance from On Point Home Loans, a Charlotte-based fix and flip lender that knows regional pricing, permitting, and investment trends.

Explore how the numbers add up.

Use our online resources below and explore more.

What our clients say

"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.

"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!"

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