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North Carolina · Powered by Loan Factory
Jerry Kindig is licensed in North Carolina. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in North Carolina.
Licensed in North Carolina
NCLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this North Carolina license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in North Carolina.
Loan Factory, Inc. license in North Carolina, from our state license list:
Mortgage Broker License
License#: B-194058
Licensed by North Carolina Commissioner of Banks Office
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
North Carolina has about 11.2 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in North Carolina (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 12 largest North Carolina cities and towns by population. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in the Charlotte region, in the Triangle, on the coast, or in the mountains, we work with borrowers throughout North Carolina and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city and town population estimates · NC Historic Sites, State Capitol · NPS Guilford Courthouse · Duke University · Wake Forest University · East Carolina University · NPS Blue Ridge Parkway · Visit NC regions.
A few facts worth knowing before you buy in North Carolina.
Sources: NCDOR, tax rate schedules · NCDOR, current sales and use tax rates · NOAA NCEI 1991-2020 climate normals (Raleigh-Durham, Asheville) · NOAA National Hurricane Center · U.S. DOT time zone map · NIST, daylight saving time · U.S. Army, State of Fort Bragg 2026 · MCB Camp Lejeune · MCAS Cherry Point · Seymour Johnson AFB.
Visit NC divides the state into the mountains, the Piedmont, and the coast, which has 300 miles of barrier island beaches. Here are six places to explore.
Straddles the North Carolina-Tennessee border. The NPS calls it America's most visited national park.
A 469-mile scenic drive through the mountains of the Appalachian Highlands.
Barrier islands, salt marshes, and the Cape Hatteras Lighthouse.
Where Wilbur and Orville Wright made the first successful airplane flights on December 17, 1903.
Remote barrier islands three miles offshore, reached by boat, with horse watching and a lighthouse.
Site of the March 15, 1781, battle that changed the course of the Revolution's Southern Campaign.
Sources: Visit NC · NPS Great Smoky Mountains · NPS Blue Ridge Parkway · NPS Cape Hatteras · NPS Wright Brothers · NPS Cape Lookout · NPS Guilford Courthouse.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.
Yes. Jerry Kindig (NMLS #2397823) is licensed in North Carolina, and Loan Factory, Inc. (NMLS #320841) holds North Carolina Mortgage Broker License B-194058 from the North Carolina Commissioner of Banks Office. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in North Carolina and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
Yes. North Carolina has a flat individual income tax rate of 4.25% for tax year 2025 and 3.99% for tax year 2026, according to the North Carolina Department of Revenue.
The general state rate is 4.75%. With local and transit taxes, county totals range from 6.75% to 8.25%, according to the North Carolina Department of Revenue.
The Atlantic hurricane season runs from June 1 to November 30, according to NOAA's National Hurricane Center.
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