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Dan OpirhoryMortgage Advisor
Loan programs

The right loan for your situation.

Every buyer has a different story — income, credit, timeline, goals. The right mortgage depends on all of it, not just the rate. Here are the programs I work with most often.

First-Time Homebuyer

A hands-on guide through pre-approval, making offers, and closing — explained in plain English.

For buyers with limited savings, newer credit, or a first mortgage.

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Conventional Loans

Competitive fixed and adjustable-rate loans for buyers with solid credit and stable income.

For move-up buyers, investors, and strong financial profiles.

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FHA Loans

Flexible credit and down-payment requirements that work for a wide range of buyers.

For buyers rebuilding credit or working with a smaller down payment.

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VA Loans

Zero-down financing for veterans and active-duty service members — with no private mortgage insurance.

For eligible military buyers who want to maximize their benefit.

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USDA Loans

Zero-down financing in qualified rural and suburban areas across North Carolina.

For moderate-income buyers in USDA-eligible neighborhoods.

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Jumbo Loans

Financing for higher-priced homes above the conforming loan limit.

For move-up buyers, luxury purchases, and high-cost markets.

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DSCR / Investor Loans

Qualify off property cash flow instead of personal income — built for real estate investors.

For portfolio investors, self-employed buyers, and STR operators.

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Relocation to NC

A remote-friendly process built for out-of-state buyers moving to the Carolinas.

For transplants, corporate relocations, and military PCS moves.

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The process

Four steps. No surprises.

  1. 01

    Conversation

    We talk through your goals, timeline, and budget. No pressure.

  2. 02

    Pre-Approval

    A rigorous pre-approval that realtors and sellers take seriously.

  3. 03

    Strategy

    We review program options and choose the right loan for you.

  4. 04

    Closing

    Disciplined execution so we close on time — every time.

Common questions

Answers before you ask.

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How much can I afford?
Affordability isn't one number — it's a range shaped by your income, debts, down payment, and the monthly payment you're actually comfortable with. We walk through the real numbers together before you start shopping, so you make offers with confidence.
What credit score do I need?
There are programs across a wide credit spectrum, starting around 580. The bigger question isn't the minimum — it's which program gives you the best terms for your specific profile. I'll walk you through the options once I've seen the full picture.
How long does the process take?
Most purchase loans close within 21–30 days of a ratified contract, assuming a clean file and responsive communication from everyone involved. Pre-approvals are usually turned around within 24 hours.
Can I buy from out of state?
Yes. Relocation buyers are a core part of my practice, and the process is built to work smoothly from anywhere. We handle documents electronically and coordinate with your realtor so you can focus on the move, not the paperwork.

Have a question about your situation?

Straightforward answers, no pressure. Usually a reply within one business day.

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