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I’m looking for a HELOC

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5-Day HELOC, No Appraisal Needed

HELOCs & Home Equity Loans

Low Rates & Fees, Fast Closings

Variety of Closing Options, Low Credit Scores

DSCR/Investments, No Income Doc Loans

Variety of Closing Options, Low Credit Scores

Government FHA and VA Loans

Variety of Closing Options

Commercial Loans & Investment Properties

DSCR/Investments, No Income Doc Loans

Welcome to Minted Capital Mortgage — Where innovation meets expertise in home financing.

From FHA and VA loans to Jumbo, Conventional, and Non-QM solutions, we offer a full suite of lending options built to match your unique goals, lifestyle, and timeline. Whether you’re buying your first home, upgrading, or refinancing, we bring precision, speed, and clarity to every step.

Personalized service, sharp industry insight, and a commitment to getting it done right the first time.

The Future of Home Financing Starts Here.

Conventional Loans

FHA Home Loans

VA Loans

HELOC / Equity Loans

Serving Homeowners in 3 States

North Carolina

South Carolina

Florida

Loan Solutions Tailored to Your Goals

Home Purchase Loans

Secure the financing you need to buy your dream home with competitive rates, low down payment options, and personalized loan programs that fit your budget and lifestyle.

Refinance Loans

Lower your monthly payment, reduce your loan term, or switch to a fixed-rate mortgage to gain more financial stability and potentially save thousands over the life of your loan.

Equity Loans

Tap into your home’s built-up value with a one-time lump sum loan—ideal for large expenses like renovations, debt consolidation, or educational costs.

HELOCs

Access a revolving line of credit based on your home equity, giving you the flexibility to borrow as needed for ongoing projects or unexpected expenses.

Investment Property Loans

Build wealth through real estate with financing options designed for single-family rentals, vacation homes, and multi-unit investments—backed by strategic expertise.

Jumbo Loans

Jumbo loans are used to finance homes that exceed conforming loan limits, offering flexible terms and competitive rates for high-value property purchases.

Benefits of Owning Real Estate

1. Build Long-Term Equity

With every mortgage payment, you gain more ownership of your property. Over time, this equity can be leveraged for future investments or financial needs.

2. Appreciation of Property Value

Real estate historically appreciates in value. Owning property allows you to benefit from market growth, increasing your net worth over the years.

3. Stable Housing Costs

Unlike rent, which can increase unpredictably, a fixed-rate mortgage offers consistent monthly payments, giving you better control over your finances.

4. Tax Advantages

Homeowners may be eligible for various tax deductions, including mortgage interest, property taxes, and some closing costs—helping you save more each year.

5. Personal Freedom & Security

Owning your home allows you to personalize your space and make upgrades that reflect your lifestyle—while also giving you stability that renting cannot match.

6. Access to Equity for Major Goals

As your home builds value, you can tap into that equity through refinancing, HELOCs, or equity loans—unlocking funds for investments, emergencies, or life milestones.

Hear From Our Customers

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Kim Garrison profile picture
Kim Garrison
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jaime Deming is the best. If you need a loan call her. Jaime is professional, patient, very helpful and kind. My loan was quite a challenge, but she never gave up trying to find a loan for my needs. Jaime will be my go-to from here on out. Give her a call today!
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Jazmin Escaffi profile picture
Jazmin Escaffi
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have had the pleasure of meeting the team running the show at Minted Capital, and am so impressed with how high level these loan officers and loan processors are. I have recommended so many people to Minted and will continue to recommend anyone looking to buy a home or step into real estate investing. Keep up the amazing work!
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Byron Medina profile picture
Byron Medina
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Valeria was absolutely amazing to work with! From start to finish, she made the entire loan process smooth, transparent, and stress-free. She took the time to explain every detail, answered all our questions, and went above and beyond to make sure we got the best possible rate. Thanks to her hard work and professionalism, we were able to close on our new home without any hiccups. We couldn’t have asked for a better broker — highly recommend Valeria to anyone looking to finance their dream home!
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Lindsay Palmowski profile picture
Lindsay Palmowski
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Have purchased multiple properties, and Jaime is by far the best. She was incredibly responsive, kind, and knowledgeable throughout the entire process. Jaime made this process smoother than any before. Highly recommend!
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T.Wallace profile picture
T.Wallace
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Minted Capital is the BEST. The team really made the buying process so easy. They explain and walk you through every step of the way in the process. They also take time to make sure you understand everything.
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Golanda Govan profile picture
Golanda Govan
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Minted Capital was an outstanding experience from start to finish. Their team communicated clearly and consistently, providing detailed updates every step of the way. They worked quickly and efficiently while managing multiple transactions simultaneously — and still ensured that every closing happened right on schedule. What truly stood out was their professionalism, responsiveness, and commitment to getting things done right the first time. Minted Capital went above and beyond to make sure every detail was handled seamlessly. I highly recommend them to anyone looking for a knowledgeable, dependable, and truly exceptional mortgage broker.
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Jeffrey Austin profile picture
Jeffrey Austin
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Taylor and his team were great to work with. Taylor was knowledgeable and very helpful in getting me what I needed for my specific financial need.
Posted on Google Google
pang moua profile picture
pang moua
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had an exceptional experience working with Jaime and Tara! From the very beginning, they were incredibly attentive and took the time to answer all of our questions thoroughly. Their guidance throughout the process was truly invaluable. As first-time homebuyers, we especially appreciated how knowledgeable and supportive they were — explaining each step clearly and making sure we felt confident in every decision. Their professionalism, responsiveness, and genuine care made the entire process seamless from start to finish. Highly recommend!
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pat collins profile picture
pat collins
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
So awesome to work with. Gave me the best package and rates I could have wished for. Friendly staff and very efficient in getting me pre approved. All I had to do was find the house I wanted and it was a done deal. I would highly recommend this group. I would have given it 10 stars but they only allow five. Forever grateful. Pc
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Kevin Sinkler profile picture
Kevin Sinkler
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I highly recommend using this company!! Awesome and helpful staff that provide great communication throughout the entire process. 10/10.

Speak With an Expert and Learn How to
Put Your Home Equity to Work so You Can Design Your Own…!

Equity Playbook

Equity Playbook

Speak with an Expert at 704-227-0102

Mortgage Financing FAQs

What types of mortgage loans do you offer?

We offer Conventional, FHA, VA, Jumbo, HELOC, HELOAN, DSCR, and ITIN loans. Whether you’re a first-time buyer or a seasoned investor, we can help.

How quickly can I get pre-approved?

Our streamlined process allows many clients to get pre-approved within the same day—often within a few hours. Our digital application is quick, easy, and secure. If you prefer to talk it through, our team is always a call away.

How does Minted Capital offer more lending options?

We partner with a wide network of trusted lenders, giving you access to more loan programs, better rates, and flexible terms. Instead of pushing a single product, we shop around to find the option that’s the best fit for your goals—not just the most convenient for us.

What’s the difference between a HELOC and a HELOAN?

A HELOC is a revolving credit line secured by your home’s equity, while a HELOAN is a lump-sum loan with fixed payments. We’ll help you determine which is right for you.

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