Charlotte's referral-friendly lending team — local underwriting, real communication. 📞 704-941-3030
For Charlotte-Area Realtors

Instant Loan Scenario Matching for Your Buyers

Test buyer scenarios instantly against our proprietary lending matrix. Get immediate answers, matching programs, and keep your deals moving forward.

Exclusive Partner Tool

Agent Loan Scenario Portal

Enter your buyer's scenario below to reference guidelines and secure your next approval.

Unlock Scenario Search

Please provide your details once to access our live underwriting guideline database.

Test Buyer Scenario

Verified Agent Access Active
Tip: Include credit score estimate, down payment capacity, and employment type for precise guideline matching.

Matching Loan Programs

2 Options Found
FHA 30-Year Fixed (Standard Overlay) 98% Match
Min FICO 580 (3.5% Down)
Max DTI Ratio Up to 48.5% AUS
Turnaround Time 14-Day Clear to Close
Underwriter Note: Borrower credit profile qualifies directly. Gift funds are fully permissible for 100% of the required down payment and closing costs.

Ready to lock this scenario down for your client?

Review the full structured worksheet directly with our senior Loan Officers.

Schedule Scenario Review Call
Why Realtors Partner With Us

Built to make you look good to your clients

We don't just fund loans — we protect your reputation and your timeline.

Speed To Close

Local decision-making and streamlined underwriting keep your deals on schedule — not stuck in a queue.

Direct Line To Your LO

No call centers. You and your buyer get a real loan officer who answers — even after 5pm.

200+ Lender Network

When one lender says no, we shop your buyer's file across 200+ traditional and 3,000+ commercial lenders until we find one that says yes.

Local Market Knowledge

We underwrite for Charlotte, Mooresville, Huntersville, Concord and Fort Mill — not a national call center.

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Buyers I refer over always tell me the same thing — their loan officer actually returned their calls. That's rare, and it makes my job so much easier.

Local Charlotte-Area Realtor Partner

Let's talk about your next 5 deals.

No pressure, no scripts — just a short call to see if we're a fit for how you work with buyers.

On Point Home Loans, Inc. — NMLS #1904069 — Equal Housing Lender
1200 The Plaza, Suite G2, Charlotte, NC 28205  |  704-941-3030