Best Mortgage Lender Wilmington, NC | FHA, VA Loans

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Branch Production Sales Manager · Wilmington, NC

Your home loan, handled with care.

Your local Wilmington mortgage lender and licensed mortgage broker, serving first-time buyers across North Carolina, Florida, and Virginia.

  • 0% Down Programs Available
  • First-Time Buyer Specialist
Hi, I’m Nana! I believe getting a mortgage shouldn’t feel intimidating or full of confusing jargon. Buying a home is one of the biggest milestones in life, and my goal is to make the financing side feel simple, transparent, and enjoyable. Before becoming a mortgage lender, I was a Realtor, so I understand the home buying process from both sides of the transaction. That perspective helps me work seamlessly with agents, anticipate challenges before they become problems, and guide my clients through every step with confidence. Whether you’re buying your first home, your forever home, or an investment property, I’m here to be the person you can call, text, or lean on whenever you need advice. My goal isn’t just to close your loan—it’s to build a relationship you’ll feel good about long after closing day.
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NANA BENONIS

100%

Client Recommended

14+

Loan Programs

3

States Licensed

7 Days

Phone & Email

What I Stand For

Three things you’ll always get from me.

First-Time Homebuyer Programs

Whether you're just starting your homeownership journey or have questions about the process, our first-time homebuyer programs help you navigate every step with loan options designed specifically for first-time buyers.
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0% Down Financing

Qualified buyers may be eligible for 0 down home loans through state and nationwide programs, making homeownership more accessible than ever. As one of the area's zero down mortgage lenders, I'll walk you through every option.
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USDA Home Loans

Buy a home in eligible rural and suburban areas with USDA loans Wilmington NC buyers rely on for no down payment and flexible financing.
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Down Payment Assistance

Don't let upfront costs keep you from buying a home. I offer access to numerous down payment assistance programs that can help make your purchase more affordable.
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Branch Production Sales Manager · Wilmington, NC

A local lender obsessed with getting you to closing.

Buying or refinancing a home is one of the biggest financial decisions you’ll ever make. I don’t take that lightly. As a Branch Production Sales Manager at Revolution Mortgage and a trusted Wilmington mortgage lender, I treat every file like it’s my own. I take time to listen, ask the right questions, and collaborate with my underwriting and processing team to build the loan that actually fits your life — not just the one that’s easiest to close. You can count on me to pick up the phone, weekday or weekend, and walk you through whatever you don’t understand.

  • VA Loans — 0% down for veterans
  • USDA Loans — 0% down for rural buyers
  • FHA Loans — as low as 3.5% down
  • Conventional — as low as 3% down
  • Down Payment Assistance Programs
  • Heroes Loan Program — extra savings
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0%

Down Payment

For qualified VA & USDA borrowers. Talk to me about which program fits your situation.

Built For First-Time Buyers

You've never bought a home. I do this every day.

First-time home buyer programs that lower your down payment, reduce closing costs, and make owning a home actually possible — not just a dream.

FHA First-Time Buyer

Designed for buyers with lower credit scores and limited savings. As little as 3.5% down with flexible qualifying — one of the most popular fha loans Wilmington NC offers to first-time buyers.

Conventional 97

Just 3% down for first-time buyers. Avoid the long-term cost of FHA mortgage insurance once you have 20% equity.

Down Payment Assistance

State and local grants and second-mortgage programs that can cover your down payment and closing costs — sometimes entirely.

USDA Rural Loans

0 down home loans for buyers in eligible rural and suburban areas. Income limits apply, but the savings are real.

VA Loans for Veterans

A VA home loan means zero down, no PMI, and competitive rates for active-duty, veterans, and eligible surviving spouses.

Heroes Loan Program

Special pricing and credits for teachers, nurses, firefighters, police, and military — because the people who serve deserve a break.

What I Can Help With

Loan programs built around your situation.

Local Wilmington mortgage lender and licensed mortgage broker helping clients in Florida, North Carolina, and Virginia get to closing — smoothly, quickly, and with clear answers along the way. Proudly counted among the best mortgage lenders in Wilmington, NC for first-time buyers, 0% down financing, and down payment assistance.

01 / Purchase

Buying a Home

Flexible programs with low-down-payment options for nearly every borrower.

  • Conventional Loans
  • FHA Home Loans
  • VA Home Loans
  • USDA Home Loans
  • Jumbo & Construction

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02 / Refinance

Refinancing

Lower your rate, shorten your term, or pull cash out — without paying for noise you don’t need.

  • Conventional Refinance
  • Cash-Out Refinance
  • FHA Streamline
  • VA IRRRL Streamline
  • USDA Rural Streamline

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01 / Purchase

Specialty Loans

Smart options when a standard loan isn’t the right fit — including veterans, retirees, and self-employed.

  • Reverse Mortgages
  • HELOC
  • Bank Statement Loans
  • Heroes Loan Program
  • Down Payment Assistance

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See all loan programs →

Let's make moves — get pre-approved in 15 minutes.

0% down options · First-time buyer programs · Licensed in NC, FL & VA
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Frequently Asked Questions

What credit score do I need to buy a home in Wilmington, NC?

Conventional loans typically require a minimum FICO score of 620, while FHA loans allow scores as low as 580. VA and USDA loans also accept scores starting around 580–620, and Nana can help match you to the program that fits your credit profile.

Yes. Qualified veterans and active-duty service members can use VA loans, and buyers purchasing in eligible rural or suburban areas can use USDA loans — both allow 0% down.

Pre-approval can typically be completed in about 15 minutes online, by phone, or in person at the Wilmington branch, giving buyers a pre-approval letter to shop with confidence.

Nana is licensed to originate mortgages in North Carolina, Florida, and Virginia, with her branch based in Wilmington, NC.

Average closing timelines run about 21–30 days from application to closing, though this can vary based on loan type and how quickly documentation is submitted.