Charlotte Mortgage Broker Serving North Carolina and South Carolina
Personalized mortgage guidance for first-time buyers, move-up buyers, relocating families, investors, self-employed borrowers, and homeowners throughout the Carolinas.
I’m Paul Mattos with Refine Mortgage. As a local mortgage broker licensed in North Carolina and South Carolina, I help buyers and homeowners compare options from dozens of wholesale lenders and build a financing strategy around their goals.
Whether you are buying your first home, relocating to the Charlotte area, purchasing new construction, moving into a larger home, or dealing with a more complicated income situation, I will help you understand your options before you make an offer.
Paul Mattos | Refine Mortgage | NMLS# 2339069 | Licensed in NC & SC
Helping Homebuyers Across North Carolina and South Carolina
Buying a home is a major financial decision, but the mortgage process should not feel confusing or impersonal.
I work closely with my clients from the initial strategy call through closing day. That includes reviewing income, credit, assets, monthly payment goals, available cash, and long-term plans before recommending a loan structure.
The closing photos below represent real buyers, real families, and real estate professionals I have had the opportunity to work with throughout the Carolinas.
Moving Back to Charlotte!
Time to Move in!!!!!
Celebrating with Realtor Alan Sussman and the team at Brady & Kosofsky.
Celebrating a home closing with Realtor Josie Roth
Homebuyers celebrating closing day with Realtor Angie Douglass!!!!
Celebrating a home closing with Realtor Mary Beth Cogswell of the Launch Team at Keller Williams SouthPark.
First-time homebuyer celebrating closing day with Realtor Bettina Rappaport
Relocated from out of state celebrating closing day with Realtor Sia Small
Ready to Move Into the new home with Realtor Shameka Hentz!!!
Its CLOSING DAY!!!!
Ready for the Next Home next home celebrates closing day with her Keller Williams agent, Rachel
Homebuyer relocating from up north to Charlotte, NC, celebrating outside the home with Realtor Sia Small
First-time homebuyer celebrating closing day with Realtor Ashley Calla
Closing Day!!
Moving Day with Realtor Sia Small
Happy Homeowner with Realtor Shirley Ghorshi!
Moving Time with Paracle Realtor Hiwot (Tina) Mulugeta
NEW HOME TIME with Realtor Ashley Calla
Closing Day with Realtor Brad!
At the Closing Table with Realtor Vivian Knight
New Homeowner!!
VA Homeowner at Closing with Realtor Vivian Knight
At the Closing Table with Realtor Jordy Romero of Henderson Properties
Closing time with Realtor Noah Morris with Compass
At the Closing Table with Realtor Dalice Estes
New Homeowner with KW Realtor Rachel
Closing with Realtor Tiffany Lee of Go Carolina Realty
New Homeowner!
At the Closing Table
First-Time Homebuyers from Cali moving to Charlotte with the Help of Realtor Kuang Matter of Matter Realty
Find the Right Home Loan
There's no single mortgage program that works for every buyer. As a mortgage broker, I compare options from multiple wholesale lenders instead of one bank's products. Start with the group that fits you:
Home Loans
Conventional, FHA, VA, USDA, first-time homebuyer programs and jumbo loans. Most buyers start here.
Specialized Loans
New construction, renovation and HELOC options for building, fixing up or using your home's equity.
Self-Employed and Non-QM Loans
Bank statement, 1099, P&L, asset-based and interest-only options when your tax returns don't show your full income.
Investment Property Loans
Conventional and DSCR loans for rentals, house hacking and short-term rentals.
Every program has its own requirements, costs and trade-offs. My job is to explain those differences clearly so you can make an informed decision.
Who I Help
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Relocating involves more than getting approved for a mortgage. You may need to coordinate a new job, sell or rent your current home, compare communities, calculate property taxes, and understand how your new Carolina housing costs will affect your budget.
I help buyers moving from other states prepare early, understand their purchasing power, and create a financing plan before they begin touring homes.
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You do not necessarily need a 20% down payment to purchase your first home. Depending on your qualifications, you may have access to conventional low-down-payment loans, FHA financing, USDA loans, VA loans, or down payment assistance.
I will help you understand the full cost of buying, including the down payment, closing costs, prepaid expenses, mortgage insurance, property taxes, homeowners insurance, and estimated monthly payment.
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Buying a new home while owning another property can require careful planning. We can evaluate potential proceeds from your sale, whether you need to sell before purchasing, possible bridge strategies, and whether rental income from a departing residence may be usable.
The goal is to structure the move without leaving you unnecessarily cash-poor or putting your current home sale under avoidable pressure.
See can I buy a house before selling mine? and Fannie Mae’s departing residence rental income rule.
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Business owners, commission earners, contract workers, retirees, investors, and other borrowers with nontraditional income may have more options than they realize.
Depending on the situation, we can explore traditional financing, bank statement programs, asset-based qualification, DSCR loans, and other specialized mortgage products.
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Builder incentives can be valuable, but the builder’s preferred lender is not automatically the best overall financial choice.
I help buyers compare the interest rate, lender fees, closing-cost credits, temporary or permanent buydowns, and long-term cost of each option. I can also help buyers explore construction-to-permanent financing when they are building on their own land.
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If you own a home, you may have more options than you think: a HELOC for a project or for paying down debt, a renovation loan, a refinance or removing PMI. I’ll compare keeping your current mortgage with other options.
See HELOC options, renovation loans and should I refinance my low-rate mortgage to pay off debt?
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Whether it's your first rental or your tenth, I compare conventional and DSCR financing on the same property, including LLC ownership, short-term rentals and cash-out refinances.
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VA loans offer no down payment and no monthly mortgage insurance for eligible buyers. I'll also explain NC and SC property tax benefits for qualifying disabled veterans.
Why Work With a Local Mortgage Broker?
More Options
I work with a broad network of wholesale lenders, giving us the ability to compare multiple loan programs and structures.
Detailed Mortgage Comparisons
I provide clear estimates and personalized video explanations so you can understand the payment, cash required, rate structure, mortgage insurance, and overall cost.
Strong Preapprovals
A useful preapproval requires more than entering numbers into an online calculator. I review the details of your situation and identify potential issues before you are under contract whenever possible.
Local Experience
I'm a Carolina native with more than a decade across real estate, on-site new-construction sales and mortgage, so I understand how builders, agents and lenders work together to get a deal to closing.
Communication Through Closing
My team and I stay involved throughout the transaction and communicate proactively with you and the real estate professionals involved.
Areas I Serve
I help homebuyers and homeowners throughout North Carolina and South Carolina, with a particular focus on the greater Charlotte region, including:
North Carolina
Charlotte
Matthews
Mint Hill
Indian Trail
Waxhaw
Monroe
Concord
Harrisburg
Huntersville
Cornelius
Davidson
Mooresville
Ballantyne
SouthPark
South Carolina
Greater Charlotte Region
Lake Norman
York County
Lancaster County
Union County
Cabarrus County
I can also assist qualified buyers purchasing elsewhere in North Carolina or South Carolina.
Frequently Asked Mortgage Questions
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The amount depends on the loan program, purchase price, closing costs, available seller credits, and your qualifications. Some programs allow down payments as low as 0%, 3%, or 3.5%, but every transaction is different.
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No. Your options depend on your complete financial profile, including your credit history, income, debts, assets, property type, and loan program. If you are not ready today, we can identify what may need to improve.
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Getting preapproved early can help establish a realistic price range, estimate your payment and cash requirements, and identify potential financing issues before you make an offer.
Read: How to Get Pre-Qualified and Pre-Approved for a Home Loan in Charlotte
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Yes. The lender may need to confirm that your income and employment will continue after the move. Remote employees, transferring employees, and buyers starting new jobs can have different documentation requirements.
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Yes. Some self-employed borrowers qualify using tax returns, while others may benefit from bank statement, asset-based, DSCR, or other specialized programs. The appropriate option depends on how your income is earned and documented.
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Yes. Send me the official Loan Estimate or detailed written proposal. I can help compare the interest rate, points, lender fees, credits, mortgage insurance, cash required, and long-term cost.
Let’s Build Your Home-Financing Plan
You do not need to know which mortgage program you want before contacting me.
We can start with your goals, review the numbers, and determine which options deserve consideration. Whether you are purchasing soon or preparing for a future move, an early conversation can help you avoid surprises.