Your home journey,
guided by people who care

The mortgage process
should feel like a milestone,
not a headache.

Twenty-Three Years, And I Still Answer My Own Phone I have spent more than 23 years in the mortgage business. In my first full year originating, I closed $37 million and finished ranked #13 in the country among rookie loan officers. A few years later I was profiled in Billion Dollar Agent: Lessons Learned, a book built from interviews with the highest-producing real estate and mortgage professionals in the nation. I hold a BS in Finance from Clemson University and an MBA from UNC Charlotte, and I have run my own branch of American Financial Network since 2015, serving buyers, homeowners, and investors across North Carolina and South Carolina from Charlotte. None of that matters much to you at 8:00 on a Tuesday night when you have a question about your rate lock. What matters is that when you call my cell, I pick up. Not a voicemail tree, not a junior associate, not a chatbot. Me. Every Loan Type, One Phone Call I originate virtually every residential program available today: • Conventional and Conforming — structured and priced with attention to the details that actually save money • FHA, VA, and USDA — including IRRRLs, cash-out, and streamlines for those who have served • Jumbo and Non-QM — bank statement, asset depletion, and profit-and-loss programs for self-employed borrowers • DSCR and Investment — qualifying on property cash flow instead of personal income, with no limit on how far you scale • HELOCs, bridge, construction, and creative structures — for the deals that do not fit a checkbox I also specialize in no-cost refinances, where I structure lender credits to cover your closing costs so the savings start on day one with nothing out of pocket. A Correspondent Lender With Broker Reach We are a correspondent lender, which means we underwrite, close, and fund loans in-house with our own money. Fewer handoffs, faster decisions, and closing dates that hold, because the people making the call are under our roof. We are also not locked into our own product menu. When a scenario prices better or fits better somewhere else, we broker the loan out to a nationwide lender network — hundreds of programs across conventional, government, jumbo, non-QM, DSCR, portfolio, and specialty products. One lender saying no does not end the conversation. It just means the file gets placed where it works. Why My Real Estate Background Makes Me a Better Lender I have been a licensed North Carolina real estate broker since 1999, and I have been buying and holding real estate for my own portfolio for more than 25 years — foreclosures, rentals, renovations, and everything in between. To be clear about what that is and is not: I am not looking for your listing and I am not competing with your agent. My real estate activity is my own investment portfolio. What it means for you is judgment you cannot get from a loan officer who has only ever seen a rate sheet. I read a purchase contract, an appraisal, and a title commitment the way an investor reads them, because I have been on that side of the table for two decades. I can tell you whether a deal makes sense, not just whether it qualifies. When a client needs real estate guidance mid-transaction, I can give a straight answer or point them to the right agent instead of a shrug. And when an appraisal comes in low or a title issue surfaces two weeks before closing, I have seen it before and I know what to do about it. How I Work Tell people the truth early. Quote what is actually real, not a number designed to win the call. Communicate before the client has to ask where things stand. Most of my business has come from referrals for twenty years, and that only happens one way. Let’s Talk Whether you are buying your first home, refinancing to cut a payment, or financing your fiftieth investment property, I am easy to reach. Call or text my cell directly at 704-965-1777. No gatekeepers, no runaround. Larry Thompson | Branch Manager Venture Home Lending, a DBA of American Financial Network, Inc. NMLS #69261 | AFN NMLS #237341 | NC Broker #177333 | Licensed in NC & SC 10610 Metromont Pkwy, Suite 201, Charlotte, NC 28269 Cell: 704-965-1777 Equal Housing Lender

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”