Conventional Loans
Competitive fixed and adjustable-rate financing — often with as little as 3% down. Down Payment Assistance Programs are available for eligible borrowers.
Clear guidance · Confident homebuying
Mortgage guidance worth the trust you place in it.
I'm Tina Black — Sr. Mortgage Loan Advisor and Homes for Heroes Specialist. Whether you're buying, refinancing or building, you get straight answers, fast pre-approvals and a lender who answers the phone.
NMLS #84718 · Licensed in CA · DC · GA · FL · MD · NC · OH · TX · VA
Award-winning
UWM Pro Elite & Top 20 Purchase LO for NC, 2025.
Certified credit specialist
NAMB certified — we fix the score before we shop the rate.
Open 9 AM–9 PM
Six days a week, because offers don't wait for business hours.
What I finance
Loan programs for every path home
FHA Loans
Flexible credit guidelines with a standard minimum down payment of 3.5% for eligible borrowers. Down Payment Assistance Programs are available for eligible borrowers.
VA Loans
Zero-down financing with no monthly mortgage insurance for veterans, active duty and eligible spouses.
USDA Rural Housing
100% financing for qualifying homes in eligible rural and suburban communities.
Bank Statement Loans
Qualify on 12 or 24 months of business or personal deposits instead of tax returns — built for self-employed borrowers.
Non-QM Loans
Alternative documentation and jumbo options for borrowers whose income doesn't fit traditional underwriting boxes.
Recognition
Honored for service, not just volume
- 2025 Homes for Heroes QUARTZ Circle of Giving Award Recipient
- UWM 2025 Pro Elite Award Recipient
- UWM 2025 Top 20 Purchase Loan Officer for North Carolina
- NAMB Certified Credit Specialist
From the blog
Notes on financing
5 min read
Four Steps to a Strong Mortgage Pre-Approval
Pre-approval is more than a number on a letter — it is the leverage that gets your offer taken seriously.
4 min read
Homes for Heroes: How the Savings Actually Work
Firefighters, nurses, teachers, law enforcement and military members earn real money back at closing. Here is the breakdown.
6 min read
Buying a Home When You Are Self-Employed
Write-offs that help at tax time can hurt at underwriting. Bank statement and non-QM programs solve for that.
Let's talk about your numbers.
Pick a time that works, or call me directly at (252) 590-4334.
Book an appointment