USDA Loans
USDA loan is special type of a zero down payment mortgage that eligible homebuyers in rural and suburban areas can get through the USDA Loan Program
Top Quality Mortgage Services
Using A Broker Makes A Big Difference
Why work with big banks and corporations when independent mortgage professionals provide faster closings, better service and lower rates?
We move faster so you can, too
Come home to the experts. We close on most home loans in 20 days or less. Give Edgewater Residential Capital a call today, Your NC & SC mortgage broker.
6 things not to do when applying for a mortgage
When lenders review your application, they like to see consistency in your finances, Give Edgewater Residential Capital a call today, Your NC & SC mortgage broker.
Mortgage Rate Buy Down
Did you know that seller concessions can mean a much smaller mortgage payment? Call ERC TodayUs them toward a temporary rate buy down
Jumbo Loans
Dream Big Jumbo loan gives your customers the ability to borrow more than the traditional loan amounts with a lower down payment
Build With Confidence
Our One-Time Close New Construction loans secure financing before you build starts, which means you don't need to front the money
Top Ten thing to do when buying
#1 Call Edgewater Capital Residential (we'll handle the other nine). Looking for a fast and easy loan to purchase your home? Call ERC Today
Buying A Home Vs Renting
Save more than $500 a month when you buy vs. rent, Purchase a $145,000 home with just 3% down, Pay yourself instead of your landlord. Call ERC Today
1% Down when purchasing
Don't have a BIG down payment? Purchase your home with 1% down. You put 1% own and your lender pays an additional 2%, for a total of 3% down
A Mortgage Lender You Can Trust
We understand that every borrower is different and we are committed to helping you find the right mortgage product for your needs.
EDGEWATER Residential Capital offers a variety of products from the most competitive lenders to meet your individual requirements. We specialize in Conventional, Jumbo, Super Jumbo, ARMS, VA, Refinance FHA, USDA loans and we offer 100% financing on USDA and VA loans.
Before you begin the process of applying for a mortgage, you may want to learn a little more about the different ways of finding a home loan. While some borrowers opt to work with the lenders at their bank or get financing through large mortgage companies, many other borrowers choose to work with mortgage brokers, instead.
We service the greater Lake Norman area including Mooresville, Davidson, Cornelius, Huntersville, Charlotte, and Mecklenburg County.
Mortgage Broker in North Carolina and South Carolina.
North Carolina and South Carolina’s #1 solution for mortgage loans. Our mortgage brokers in the Carolina’s are working hard to get you qualified and approved for your dream home!
NC and SC Mortgage Broker Makes It Easy To Get Approved For a Mortgage Loan.
Edgewater Residential Capital is connected to a nationwide mortgage lender network, offering prospective buyers access to conventional, FHA, VA, and USDA loan programs. We also connect buyers with down payment assistance programs and provide guidance on first-time home purchasing and loan refinancing.
It is finally time to own your own home in the Carolina’s beautiful scenic beaches and mountains and safe neighborhoods. Our loan programs for first time homebuyers in NC & SC make it easy to afford your down payment and move into a new home now.
Getting approved for a mortgage loan in NC & SC isn't difficult!
We service North & South Carolina located in the Lake Norman area including Mooresville, Davidson, Cornelius, Huntersville, Charlotte, and Mecklenburg County.
Looking for a Mortgage Loan in Lake Norman / Mecklenburg area?
Mortgage Loan Options
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Conventional
Conventional loans to 95% loan-to-value (LTV) – not us. A 97% LTV is just one of the things that make Newrez’s conventional loans a better choice
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Jumbo Loans
Big Jumbo loan gives your customers the ability to borrow more than the traditional loan amounts with a lower down payment requirement.
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ARMS
An adjustable-rate mortgage (ARM) is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan.
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VA Loans
The Federal Housing Administration and the Department of Veterans Affairs have increased loan limits - meaning you can now finance more
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Refinance Loans
Refinancing is the replacement of an existing debt obligation with another debt obligation under different terms.