Business Details
21 Years
experience
Your Trusted Mortgage Partner in Charlotte, NC
East Coast Mortgage Lending has been a trusted partner in the mortgage industry since 2005, dedicated to helping families and individuals achieve their homeownership goals. Our team of seasoned professionals specializes in purchase loans, refinancing, debt consolidation, commercial financing, and construction loans across North and South Carolina. With decades of combined experience, we leverage deep local market knowledge to provide tailored solutions that meet each client's unique financial situation. Our commitment to transparency, ethical lending practices, and personalized service has earned us a strong reputation through repeat customers and referrals. We utilize advanced digital tools to streamline the loan process while maintaining the human touch that ensures clients feel supported at every stage.Our NMLS-licensed team members bring specialized expertise in navigating complex mortgage products, including Homestyle Renovation Loans and credit score optimization strategies. By maintaining partnerships with major lenders and staying current with regulatory changes, we deliver reliable guidance that protects our clients' interests. Our track record of successfully closing thousands of transactions demonstrates our operational excellence and dedication to customer satisfaction. We prioritize ongoing education through informative blog content and video resources that empower clients to make informed decisions. This combination of technical proficiency, community focus, and client-centric values positions us as a leading mortgage provider in the Carolinas.
Services
Purchase Loans
Refinance Loans
Debt Consolidation
Commercial Loans
Construction Loans
Details
- Year established: 2005
Highlights and features
- We have 18 years of experience serving the Carolinas mortgage market
- Full-service provider for residential and commercial mortgage needs
- 95% of business comes from repeat customers and referrals
- Local market experts with in-depth knowledge of NC/SC property landscapes
- Secure online application streamlines the loan process
What people say
Knowledgeable team
Efficient process
Personalized guidance
Successful transactions
Strong recommendations
Services
Purchase Loans
Our purchase loan services help first-time buyers and seasoned homeowners finance new property acquisitions. We offer competitive rates and flexible terms for primary residences, investment properties, and second homes across North and South Carolina. Our team guides clients through every step from pre-approval to closing.
Refinance Loans
We specialize in mortgage refinancing solutions to help clients reduce monthly payments, shorten loan terms, or access home equity. Our experts analyze current market conditions and individual financial situations to determine optimal refinance strategies including rate-and-term and cash-out options.
Construction Loans
Our construction loan program supports custom home building projects with specialized financing that converts to permanent mortgages upon completion. We provide phased funding disbursements and work closely with builders and homeowners throughout the construction process in both Carolinas.
Commercial Loans
We offer commercial mortgage solutions for investors purchasing office spaces, retail centers, and industrial properties. Our services include loan structuring for multi-family housing, mixed-use developments, and income-producing real estate with tailored repayment terms.
Debt Consolidation
Our debt consolidation services help clients simplify finances by combining multiple high-interest debts into a single mortgage payment. We offer cash-out refinancing options that leverage home equity to pay off credit cards, personal loans, and other obligations.
People
Rob Franek
President/Co-Owner
Rob Franek co-founded East Coast Mortgage Lending with 20+ years mortgage industry experience. He oversees operations and client relations, ensuring the company maintains its commitment to personalized service and community-focused lending practices across the Carolinas.
Brian Maguire
Vice President/Co-Owner
Brian Maguire brings extensive mortgage expertise as Vice President and co-owner. He specializes in loan program development and maintains key lender relationships that help clients access competitive financing options throughout North and South Carolina markets.
Paula Maguire
Senior Loan Officer
Paula Maguire serves as Senior Loan Officer with specialized knowledge of first-time buyer programs and government-backed loans. Her 15+ years in mortgage lending focus on guiding clients through complex financing scenarios with clear, straightforward advice.
Trevor Maguire
Sales Manager, Loans
Trevor Maguire leads loan sales operations, helping clients understand mortgage options. He specializes in matching borrowers with appropriate loan products while ensuring compliance with all state and federal lending regulations.
John W. Thompson
Senior Loan Officer
John W. Thompson provides expert mortgage guidance as Senior Loan Officer. He focuses on credit optimization strategies and loan structuring, helping clients achieve favorable terms through his deep understanding of underwriting requirements and market trends.
Questions
What mortgage products do you offer?
We provide purchase loans, refinancing options, construction financing, commercial mortgages, and debt consolidation solutions across North and South Carolina.
How can I start the mortgage process?
Begin with our secure online loan application or contact our Charlotte office to speak with a licensed loan officer about your specific needs.
Do you serve areas outside Charlotte?
Yes, we serve all major markets in North and South Carolina including Raleigh, Greenville, Columbia, and Charleston.
What credit score do I need for a mortgage?
Minimum credit score requirements vary by loan type, but we work with clients to improve credit profiles and explore all available options.
Can I refinance my current mortgage?
Yes, we offer rate-and-term refinancing and cash-out options to help reduce payments, shorten loan terms, or access home equity.
Are there first-time homebuyer programs available?
We offer specialized programs for first-time buyers including low down payment options and down payment assistance programs.
Videos
