Your local leader in no-closing cost financing
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We understand that taking out a mortgage loan or refinancing your home can often be a complicated (ok, let's be honest...pretty painful) task. But that's exactly why our company was started. Our goal is to cut the confusion, minimize the frustration, and give you a few more reasons to smile as you figure out which loan or refinancing option is best for you.

Have questions? Be sure to check out our FAQ section.

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The No-Closing Cost Financing Leader

Neighborhood Lender is the leader in No-Closing Costs financing. We help borrowers in North Carolina, South Carolina, Virginia, Maryland, Tennessee and Ohio finance thousands of home loans. And we save them a ton of money.

Who We Are

Let's face it...nothing about home mortgages is simple - until you have someone on your side who understands the process inside and out. Here at Neighborhood Lender we take what is typically an overwhelming and complex process, and transform it into an easy, straightforward (and dare we say... enjoyable) experience.

How do we do it? By hiring world-class mortgage consultants who train rigorously all year long. These people are serious about saving you money, frustration and painful head banging. We focus on sound underwriting principles, and dedicate ourselves to working with only the most qualified borrowers. And because of all that, we've been able to save clients more than $5 million in closing costs - now that's a lot of extra cash!

Our Approach

Closing costs average $3,350, and that hefty sum typically comes straight from your pocket. We don't really think that's fair, which is why we decided to start doing things a little differently. In fact, we pay your closing costs (go ahead and read that line's for real). So whether you’re financing your primary residence, a vacation home, or an investment property, the closing costs are on us. Wondering how we do that? It's simple - we leverage the relationships we've built with our lending partners, and we take the time to think just a little bit outside the box.

Our Service Locations

Neighborhood Lender works with residents in North Carolina, South Carolina, Virginia, Maryland, Tennesee and Ohio for all their home mortgage and home refinancing needs. If you live — or plan to live — in one of these states, we would love to talk to you. We promise it won't be painful - we just want to see how we can help.

Our Licenses

  • Maryland Commissioner of Financial Regulation License #20076
  • North Carolina Commissioner of Banks License #B-141368
  • Ohio Department of Commerce Division of Financial Institutions #MB.804099.000
  • South Carolina Commissioner of Banking License #MB-0915500-0915501
  • Tennessee Department of Financial Institutions #69349
  • Virginia Bureau of Financial Institutions #MC-5553
  • NMLS Broker #69349

Neighborhood Lender Locations

  • Meet Bo

    First Time Home Buyer

    I had an awesome experience with Neighborhood Lender! Their associates worked very hard to help me get the best rate and closing cost for me. Throughout the process they managed and communicated with everyone professionally which resulted in the wonderful house I currently live in. Neighborhood Lender's associates were very professional, friendly and most importantly responsive to any issues or questions I had.

  • Meet Montell & Emily

    First Time Home Buyers

    Going into the loan process as a first time home buyer, we were unaware of what to expect. Our mortgage officer at Neighborhood Lender quickly eased any concerns we had about the home loan process. From start to finish, Neighborhood Lender made the entire experience simple, painless, and they were informative every step of the way. I would recommend all of my friends and family to Neighborhood Lender for any future home purchases.

  • Meet Matt & Bianca

    Home Refinance

    We can't thank Neighborhood Lender enough for all of their assistance with the re-finance. Their team made it unbelievably easy and painless--miles away for our previous experiences.

Be Prepared

See our step-by-step guide, and loan checklist to help you through the process.