We provide the full spectrum of mortgage loans for customers in North Carolina and Tennessee. We are fully licensed by the NC Banking Commission and the Tennessee Department of Financial Institutions. Founded with the belief that not all people "fit into the box" Southeastern Mortgage Solutions excels at placing our customers with the right loan program for their needs.

Many mortgage seekers are often denied by large banks and don't know where to turn. It is common for these customers to complete loans with high interest mortgage companies, often paying interest rates which are 4-12% more than the lowest rate they qualified for.

Why does this happen? Simply put, money. The large financial institutions spend extraordinary amounts of money on marketing and advertising in order to attract large numbers of customers. Naturally these costs are passed on to the consumer in the form of higher rates and because of their size, less personal attention.

Due to federal regulations, Southeastern Mortgage Solutions has access to the same interest rates and programs as the large financial institutions. Because we have a regional focus we do not spend large sums of money on expensive national television commercials and flashy, full color magazine advertisements. What does this mean for you? The result is that as a percentage our expenses are considerably lower than larger nationally-based banking institutions and finance companies. This allows us to pass the savings along to the consumer in the form of lower rates and more flexible lending programs. Furthermore, large companies base their pricing on a national level, this takes into account higher cost areas of the country where higher rates are needed to be profitable. Because we operate only in the southeast we are able to offer programs that better reflect the housing market and interest rates where our customers live.

We are committed to excellence in providing the right loan, at the right time and at the right price for our customers. At Southeastern Mortgage Solutions saving you money is our only interest.