01
Purchase Loans
Conventional, FHA, and low down payment options built for first-time and move-up buyers. Get pre-approved before you tour.
HomeSimply · Charlotte5.0/5
The mortgage that fits the life you're building.
I'm Scott Sopko — a Senior Mortgage Consultant who treats your loan like it's my own. Clear answers, competitive pricing, and a close that stays on schedule.
No credit pull to get started · The first call is always free.
- Avg. rating
- 5.0
- Down on VA
- $0
- Cash close*
- 7-Day
- States
- 50
Avg. rating
Down on VA
Cash close*
States
Loan Options
The right structure for where you are right now.
First home, refinance, or a competitive cash offer — we'll match the loan to your goal, not the other way around.
02
VA Loans
No down payment required, with special terms for veterans, active duty, and members of the Guard or Reserve.
03
Refinance
Lower your rate, shorten your term, or tap equity. We'll run the numbers so the math actually works in your favor.
04
ARM Mortgages
Lower introductory rates and payments for an opening period — a smart fit when you don't plan to stay forever.
05
15-Year Fixed
Pay your home off faster and save on interest, with a fixed payment you can plan your life around.
06
Cash Offer
Make a true cash offer that isn't contingent on financing — and close in as little as seven days.*
Pathway to Homeownership
Up to $6,000 toward your first home — and it's not a loan.
Qualified first-time buyers in select areas can receive down payment assistance that never has to be repaid. It can often be stacked with other programs to stretch your budget even further.
$6,000
In assistance · No repayment
How It Works
Three steps, no guesswork.
1
Talk it through
A quick conversation about your goals, timeline, and budget — no pressure, no jargon.
2
Get pre-approved
We verify your numbers and hand you a real pre-approval so you can shop with confidence.
3
Close on time
An elite Charlotte team of underwriters and funders keeps your loan moving to the closing table.
“Very easy to talk to and ask whatever questions you have — friendly the whole way through.”
Get Started
Let's get your pre-approval started.
Tell me where you are in the process and I'll map out exactly what's next. The first call is always free.
Call (704) 650-8155