Business Details
Your Trusted Mortgage Partner in Davidson, NC
At States Mortgage, we are dedicated to helping clients achieve their homeownership goals through personalized mortgage solutions. With over two decades of experience in the mortgage industry, our team has navigated market fluctuations and developed a deep understanding of the complexities involved in securing financing. We prioritize speed, customer service, and education, ensuring clients receive individualized attention rather than being treated as mere loan numbers. Our founding principles of honesty, integrity, grit, and determination guide every interaction, fostering trust and long-term relationships. We specialize in a wide range of loan programs, including 100% financing, cash-out refinancing, debt consolidation, and options for self-employed individuals or those with unique financial situations.Our loan officers and processors work collaboratively, providing transparent communication and step-by-step guidance throughout the mortgage process. We take pride in our ability to assist clients through challenging circumstances, such as bankruptcy or poor credit, by connecting them with tailored solutions. Our commitment to excellence is reflected in client testimonials praising our expeditious service, patience, and dedication to meeting individual needs. As a family-oriented business, we treat every client with the same care and commitment we would extend to our own family members. Our goal is to make homeownership dreams a reality while maintaining the highest standards of professionalism and integrity.
Services
100% Financing
Cash Out Refinancing
Debt Consolidation
Home Improvement Loans
Home Equity Lines of Credit
Self-Employed Loans
No Income Verification
Bankruptcy Assistance
Highlights and features
- We offer personalized mortgage solutions tailored to unique financial situations.
- Our team has over 20 years of experience navigating complex mortgage markets.
- We prioritize transparent communication and client education throughout the process.
- We treat every client with the same dedication as our own family members.
- We specialize in loan programs for challenging scenarios like bankruptcy or self-employment.
What people say
Excellent job
Recommend to everybody
Bent over backwards
Very expeditious
Totally satisfied
Services
100% Financing
Our 100% financing program eliminates the need for a down payment, making homeownership accessible for qualified buyers. This option is ideal for first-time homebuyers or those with limited savings. We guide clients through eligibility requirements and help secure competitive rates without compromising financial stability.
Cash Out Refinancing
The cash-out refinancing program allows homeowners to leverage their property's equity for major expenses. We help clients evaluate loan-to-value ratios and structure withdrawals that align with long-term financial goals. Our team ensures clear understanding of repayment terms and interest rate implications.
Debt Consolidation
Our debt consolidation solutions combine multiple high-interest obligations into a single manageable mortgage payment. We specialize in simplifying complex financial situations while maintaining favorable loan terms. Clients receive personalized counseling to prevent future debt cycles and improve credit health.
Home Equity Lines of Credit
HELOC programs provide flexible access to home equity funds for renovations, education, or emergency expenses. We offer competitive variable rates and draw period options tailored to individual cash flow needs. Our advisors explain risks and benefits to ensure responsible borrowing.
Bankruptcy Assistance
We offer specialized mortgage programs for clients rebuilding credit after bankruptcy. Our team explains waiting period requirements and helps document financial recovery. We partner with lenders who consider extenuating circumstances while promoting sustainable homeownership.
People
Brenna Olberding
President
As President of States Mortgage, Brenna Olberding leads with over 20 years of industry experience. She ensures operational excellence while maintaining the company's founding values of integrity and client-focused service.
Gus Olberding
Senior Loan Officer
Senior Loan Officer Gus Olberding specializes in complex refinancing solutions. With decades of experience, he provides personalized guidance to clients navigating financial challenges and has earned recognition for exceptional service.
Jordan Golob
Loan Officer
Loan Officer Jordan Golob assists clients with patient, thorough support through the mortgage process. His approach emphasizes clear communication and tailored solutions for first-time buyers and refinancers alike.
Sean Williams
Senior Loan Officer
Senior Loan Officer Sean Williams leverages extensive market knowledge to help clients achieve homeownership goals. He specializes in conventional and government-backed loan programs while maintaining a client-first philosophy.
Daniel Formeck
Loan Officer
Loan Officer Daniel Formeck provides daily progress updates and personalized support during the loan process. His attention to detail and responsiveness have earned consistent client satisfaction across diverse financial scenarios.
Questions
How do I know if I qualify for a mortgage?
Contact our loan officers for a personalized assessment. We'll review your financial situation and help determine your eligibility for various programs.
When can I refinance my home?
Refinancing timelines depend on your loan type and goals. Our team will analyze your situation to identify the optimal timing and strategy.
What loan types do you offer?
We provide FHA, VA, conventional, USDA, HELOC, reverse, and non-QM loans. Our experts will help you find the best option for your circumstances.
Can I get a mortgage with poor credit?
Yes. We work with lenders who specialize in helping clients rebuild credit or overcome past financial challenges through tailored loan programs.
How does the debt consolidation process work?
We combine your debts into a single mortgage payment with favorable terms. Our team explains requirements and ensures you understand all aspects of the new loan.
What documents are needed for pre-approval?
Basic financial documentation including income verification, asset statements, and credit history. Our loan officers will guide you through the specific requirements.
