Frequently Asked Questions

Conventional loans through Minted Capital Mortgage are best suited for borrowers with solid credit (typically 620+), stable income, and a moderate to strong down payment. These loans are not backed by a government agency and often come with lower interest rates and fewer fees if you meet the requirements. Private Mortgage Insurance (PMI) can often be waived once you reach 20% equity.

Yes. FHA loans from Minted Capital Mortgage are designed for buyers with lower credit scores or limited savings for a down payment. You can qualify with a credit score as low as 580 and a 3.5% down payment. It’s an excellent program for first-time homebuyers or anyone recovering financially.

VA loans from Minted Capital Mortgage offer zero-down financing, no PMI, and highly competitive interest rates for eligible service members, veterans, and surviving spouses. They also have more lenient credit and income requirements than conventional loans. Minted Capital Mortgage makes the VA loan process smooth, fast, and fully transparent.

Jumbo loans from Minted Capital Mortgage are used when your loan amount exceeds the conforming loan limits (typically $766,550 or more, depending on the county). These loans are perfect for high-value or luxury properties and require strong credit and income documentation. Minted Capital Mortgage offers competitive jumbo financing for primary homes, vacation homes, and investment properties.

A HELOC (Home Equity Line of Credit) from Minted Capital Mortgage gives you access to revolving credit using your home’s equity—ideal for ongoing expenses or flexible borrowing needs. A home equity loan, by contrast, offers a lump sum with fixed payments and interest. Both options are great for renovations, large purchases, or consolidating high-interest debt.

A Rate and Term Refinance from Minted Capital Mortgage allows you to replace your current mortgage with a new one that has better terms—such as a lower interest rate or a different loan duration. You won’t receive cash at closing, but you can lower your monthly payment or pay off your home sooner. It’s one of the most popular ways to save on interest over time.

A Rate & Term Refinance through Minted Capital Mortgage changes your loan terms, while a Cash-Out Refinance lets you borrow more than your current loan balance and take the difference in cash. Cash-out loans are a smart way to access home equity for big expenses like renovations, education, or debt payoff. Both options are available through Minted Capital Mortgage depending on your equity and goals.

Yes, Minted Capital Mortgage offers financing for investment and rental properties, including single-family homes, multi-units, and short-term rentals. Investment property loans typically require higher credit scores and larger down payments, but the rental income can help offset your debt-to-income ratio. Minted Capital Mortgage helps you structure these loans for maximum ROI.

Reverse mortgages allow homeowners aged 62 and older to convert a portion of their home equity into tax-free income, with no monthly mortgage payments required. The loan is repaid when the homeowner sells, moves out, or passes away. Minted Capital Mortgage provides educational support and guidance to help seniors evaluate if this solution aligns with their retirement plans.

No, VA loans are only eligible for primary residences. However, Minted Capital Mortgage can help you use a VA loan to purchase a multi-unit property (up to 4 units) if you occupy one of the units as your primary residence. For true investment purchases, Minted Capital Mortgage recommends our investor loan programs.

FHA loans through Minted Capital Mortgage can be used to purchase or refinance single-family homes, townhomes, and some approved condos. The property must be your primary residence and meet FHA appraisal standards. Manufactured homes may also qualify under specific guidelines.

Minted Capital Mortgage is currently licensed in North Carolina, South Carolina, and Florida. Our mortgage experts have in-depth knowledge of the regulations, housing markets, and borrower assistance programs in each of these states. We’re continually expanding our footprint to help more families achieve their homeownership and refinance goals.

Minted Capital Mortgage provides a full range of financing solutions in North Carolina, including Conventional Loans, FHA and VA Loans, Jumbo Loans, HELOCs, and Reverse Mortgages. We serve buyers across the state—from Raleigh to Charlotte to Wilmington—and help first-time buyers access down payment assistance programs available at the county or state level.

In South Carolina, Minted Capital Mortgage offers a complete lineup of loan programs including VA, FHA, Conventional, Jumbo, Investment Property Loans, Reverse Mortgages, and more. Whether you’re purchasing in Charleston, Columbia, or Greenville, our local expertise ensures you receive customized guidance. We also help South Carolina buyers understand state-specific property taxes and insurance guidelines.

In Florida, Minted Capital Mortgage offers home purchase, refinance, and equity loan programs tailored to your unique property type and location. Whether you’re buying a second home in Orlando, refinancing a primary home in Tampa, or investing in a rental in Miami, we provide expert guidance. Our team ensures compliance with Florida-specific flood, wind, and insurance regulations.

Most loans can close within 21 to 30 days, depending on your loan type and the complexity of your financial situation. Minted Capital Mortgage provides fast pre-approvals and digital applications to keep things moving. Our streamlined process ensures quick turnarounds without sacrificing personal service.

You can start by applying online, scheduling a free consultation, or calling Minted Capital Mortgage directly. Our team will review your financial profile, discuss your goals, and recommend the best loan options for your situation. From pre-approval to closing, Minted Capital Mortgage is with you every step of the way.