Most popular
Conventional
As little as 3% down for qualified buyers. Great for strong credit and stable income.
Learn moreLicensed in North Carolina · NMLS #2701087
Your home loan, guided by the coast.
From the Blue Ridge Mountains to the Crystal Coast — I'm here to help North Carolina families find the right mortgage with patience, transparency, and the personal attention only a small practice can give.
- 1:1
- personal service
- 24h
- callback promise
- 100%
- transparent pricing
Blue Ridge Mountains to the CoastEqual Housing LenderAll in on you
Loan programs
The right loan for every chapter.
I work with a broad lender network so you get the program — and the pricing — that actually fits your situation.
First-time friendly
FHA
Flexible credit and 3.5% down — a strong path for first-time buyers across NC.
Learn moreFor those who served
VA
0% down, no PMI, and competitive rates for active-duty service members and veterans.
Learn moreRural NC
USDA Rural
0% down financing in eligible NC communities outside metro areas.
Learn moreUp to $3M
Jumbo
Loans above conforming limits for high-value homes in Charlotte, Raleigh, and the coast.
Learn moreRate · Cash-out
Refinance
Lower your rate, tap equity, or shorten your term with a streamlined refi.
Learn moreHow we work
A calmer way to get a mortgage.
You'll always know where your file stands, what's next, and why.
- 01Conversation
A 15-minute call about your goals, timeline, and budget. No credit pull, no pressure.
- 02Pre-approval
We tighten the numbers and issue a pre-approval letter you can shop with confidently.
- 03Loan structure
I shop programs and lenders to match your scenario — and explain trade-offs in plain English.
- 04To the closing table
Weekly updates, clear next steps, and a smooth signing day. Most files close in 21–28 days.
Blue Ridge Mountains to the Crystal Coast
About Samuel
New to the industry. All in on you.
I'm Samuel Johnson — a newly licensed North Carolina Mortgage Loan Originator (NMLS #2701087) based on the coast. I built this practice on a simple promise: every client gets my full attention, honest answers, and the kind of follow-through that's hard to find at a big bank.
Being new means I have the time — and the hunger — to truly earn your trust. I'm backed by experienced mentors and a strong lender network, so you get the personal touch of a small practice with the resources of a much larger one.
License
NC I-235513
NMLS ID
#2701087
Quick estimate
See your monthly payment in seconds.
Adjust the sliders for a quick principal & interest estimate. For a full quote including taxes, insurance, and HOA — let's talk.
Estimated P&I
$2,149/mo
Loan amount: $340,000
My promises
What you can count on from day one.
Building a reputation one client at a time — starting with yours.
01
I answer my own phone.
No call centers, no being passed around. When you call or text, you reach me directly — usually same day, always within one business day.
02
Plain-English everything.
Mortgage paperwork is dense. I'll walk you through every line, every fee, and every option until it actually makes sense.
03
Your time, respected.
I prep before our calls, send clear next steps after, and keep your file moving. You'll never wonder what's happening with your loan.
FAQ
Common questions, honest answers.
What credit score do I need to get a mortgage in NC?+
Most conventional loans want a 620+ score, FHA can go to 580 (and sometimes lower with compensating factors), and VA loans are flexible. I'll review your full picture, not just a number.
How much do I need for a down payment?+
It depends on the program. VA and USDA can be 0% down. FHA is 3.5%. Many conventional loans are 3–5% down for qualified buyers. I'll help you weigh the trade-offs.
Do you only serve certain parts of North Carolina?+
I'm licensed throughout North Carolina — Raleigh, Charlotte, the Triad, Asheville, Wilmington, and everywhere between.
How long does the mortgage process take?+
Most purchase loans close in 21–28 days from a complete application. Refinances are typically 18–30 days.
Is there a cost to get pre-approved?+
No. Pre-approval is free and there's no obligation to use me as your lender.
Ready when you are.
Send a quick note — I'll reach out within one business day to set up a no-pressure conversation.
(910) 375-0124
samueljohnsonmtg@gmail.com
Coastal Carolina — Serving All of North Carolina