Beautiful home at dusk

Mortgage Lender in Charlotte, NC

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Whatever your goals are we are here to help!
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Welcome To Ram Mortgage, LLC

Ram Mortgage, LLC (NMLS #2301828) is a mortgage lender based in Charlotte, NC. We help Charlotte-area homebuyers and homeowners with purchase loans, refinancing, FHA loans, conventional loans, and first-time home buyer programs, and we can walk you through mortgage pre-approval before you start shopping for a home.

At Ram Mortgage, LLC, we treat every client as an individual, not a number. We understand that every borrower has unique financial goals and circumstances, which is why we take a personalized approach to helping clients navigate the mortgage process. Our experienced team works closely with borrowers to identify mortgage solutions that best fit their needs. We are committed to providing exceptional service, competitive financing options, and guidance throughout every step of the loan process.

We offer a wide range of residential mortgage programs, including Conventional, Jumbo, VA, Adjustable-Rate Mortgages (ARMs), Home Equity products, investment property financing, and other specialized loan solutions. Whether you are purchasing a home, refinancing an existing mortgage, or investing in real estate Ram Mortgage, LLC is dedicated to helping you achieve your financial objectives with professional service and customized lending solutions.

Our Satisfied Clients

Awesome! Our funding experience with Ram Mortgage, LLC was beyond my expectations! As a first time home-owner everything was new to me. But they had amazing communications (even though I did most of it online). And I got a better rate than my bank quoted me!

- Jill and Andrew Miles

Charlotte, North Carolina

Latest Blog Posts

Purchasing

We work conforming and non-conforming real estate loans.

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Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

$2,528

Your estimated monthly payment

$2,528

Monthly payment

How is my monthly payment calculated?

Principal & interest$2,528
Homeowner's insurance+
$
Property tax+
$
HOA fees+
$
Total monthly payment=$2,528

* Please note: this calculator is for illustration payments and actual payments may vary.

The Ram Mortgage, LLC Advantage

House

Local Knowledge

We know the area and the market and we're part of your community, not a bot on the net :)

Calendar

Fast Processing

We work to close your loan as quickly as possible. We can even hit curveballs!

Smartphone in hand

Best Service

We treat every client like family. Questions get answered fast, and we're with you from application to closing, not just another file number.

Smartphone

Utilizing Technology

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

The Ram Mortgage, LLC Address

Contact Us:

Office Hours:

  • Monday–Friday: 9am to 5pm ET
  • Saturday–Sunday: Closed

Refinance

We can help you lock in a long term fixed rate and get out of your ARM.

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Mortgage refinance consultation at Ram Mortgage, LLC Charlotte NC

Refinance with Historically Low Rates!

Lower Monthly Payment

Take advantage of today's historically low rates, a lower payment can provide security in uncertain times.

  • Good For
  • Extra Monthly Money
  • Retirement Savings!
Reduce My Payment

Get Cash Out

If your house has increased in value, you can use that equity to get cash-out, for whatever you need!

  • Good For
  • Home Improvement
  • Paying high-interest debt
Use My Equity

Shorten Your Loan Term

Rates on 15 year mortgages can make the payment similar but the pay-off years sooner!

  • Good For
  • Lower money towards interest
  • Paying off the home sooner!
Shorten My Term

Apply Now

Get started with our easy online application.

CLICK HERE TO GET STARTED

Calculate Monthly Payment*

Mortgage payment calculator Charlotte NC
TermRateAprPayment
30 Yr Fxd6.511%6.52%
30 Yr Fxd FHA5.812%5.82%
15 Yr Fxd5.925%5.944%

*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.