Ready To Buy
Your
First Home or
Next Home?
Know exactly what you can afford before You start searching for a home.
The Pathway to Owning a Home
Mortgage Home Purchase Loans – Simple, Fast, and Stress-Free
Looking for the right financing for your new home or real estate investment? At Top Home, we help you find loan solutions that align with your goals—without the stress.
We make the home loan journey easier with expert guidance and smart tools, starting with a free pre-approval letter request to give you a strong start.
Whether you're a first-time homebuyer or a returning buyer, we’ll help you understand your options and compare loan programs clearly—so you can choose what’s best for your future.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
AM I ELIGIBLE?
To be eligible for a mortgage, lenders usually require a debt-to-income ratio of “43/49.” This signifies that no more than 43% of your gross monthly income should be dedicated to your new mortgage payment, while a maximum of 49.99% can be allocated to your total monthly debt, which includes the mortgage payment. Furthermore, VA and FHA loans may allow for higher debt ratios on a case-by-case basis.
Fixed-Rate Mortgage
Adjustable-Rates Mortgage (ARM)
Conforming Loans
Jumbo & Super Jumbo Loans
FHA, VA & USDA Loans
Terms from 5 to 30 Years
Work with a Local Team who truly cares.
Experience real people, real support, and real results — right here in your community.
At Top Home Mortgage Group, we are more than just mortgage providers; we are your trusted partners in homeownership. Whether you're buying your first home or expanding your investments, we offer customized mortgage solutions to fit your unique needs.
Ready To Buy Your Dream Home?
Secure your home loan with today’s competitive rates and make your dream home a reality. Get started with a free, no-obligation pre-approval letter!
What Clients & Partners Say About Us?
🗣️ "They really care." -
Sarah L., Wilmington
“What impressed me most was how tailored the service was. They didn’t just treat me like a number—they understood my financial goals.”
🗣️ "Smooth, stress-free process!" - Michael D., Charlotte
“I was nervous about refinancing my home, but the team walked me through every step. Clear communication, fast approval, and a great rate!”
🗣️ "Great support for first-time buyers!" - Huy Pham, Charlotte
“As a first-time homebuyer, I had tons of questions. The team answered them all patiently and helped me secure my dream home.”