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Home Financing
Charlotte, NC
Home Financing

Mattamy Home Funding LLC is a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with competitive rates, terms and costs - to meet our clients' unique needs.

By clicking on the link below, I acknowledge that Mattamy Homes and Mattamy Home Funding LCC have an affiliated business agreement.

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Why use Mattamy Home Funding

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Smooth & Seamless Process

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Competitive Rates

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Easy Pre-Qualification & Approval

Mortgage Calculator

Explore your options quickly and easily with this helpful tool.

*The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a Mortgage Loan Consultant or financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.
Year Principal Interest Total Payment Balance Loan Paid To Date
Time Period Principal Payments Interest Payments Total Payments
The Mortgage Process

Here's a step-by-step explanation of a typical home mortgage process used by most lenders. While there is a lot of information here, remember, your Mattamy Home Funding Loan Consultant is always available to answer your questions and guide you through every step.

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Step 1
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Before the actual home loan process begins, we gather information about your income and liabilities then calculate how much you can afford to borrow. Be aware, there are many different programs available, which can result in different prequalification loan amounts. We'll help you pick the ones that best fit your situation. We'll also order a credit report and run your home loan through an automated underwriting system.

Loan Application

Once you're prequalified we'll prepare a formal loan application, verify employment, income, assets, and gather any other documents needed for processing. This process may be done in-person with your Loan Consultant, and also by email or certified mail.


We review your credit reports and verify your liabilities and payment histories. If there are late payments, collections for judgments, or other concerns, we'll request a written explanation from you, which may resolve any of these issues. We then order the appraisal and review for value. Title insurance and homeowner's insurance is ordered. A complete package is assembled for final approval.


Underwriting is where we ensure your home loan package meets all lender requirements. At this point, we have usually gathered all the information necessary. In some instances, however, we may require additional information and will contact you quickly to be certain approval happens on time.


If your down payment is less than 20%, all lenders require Private Mortgage Insurance (PMI) to insure the loan in case of default. PMI is typically paid monthly, but can sometimes be financed with your loan or paid upfront at closing.


Your home loan has been approved, the package completed, and a closing date and time are scheduled. Construction of your home is complete. The closing typically takes place at the closing attorney's office, or at the title or escrow company.

FAQ’s & Tips

Find more answers to questions you may have on financing your new home along with tips and glossary of terms to help ensure a smooth application process.

View FAQ’s & Tips

Charlotte Home Financing

Mattamy Home Financing

Charlotte Online New Home Specialist

Closing Support

Mortgage and Financing

Mortgage and Financing

Mortgage and Financing

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