Want great rates and hassle-free local processing from application to closing? The home mortgage experts at Cunningham & Company in Asheville, North Carolina can help. Whether you’re buying your first home, moving up, downsizing or want to refinance your current mortgage to a lower rate, we have a wide range of mortgage loans to meet your needs. We’ll do a total cost analysis to help you decide which home loan is best for you.

  • Fixed-rate loans: For those who need a predictable monthly payment, we offer a variety of options for fixed-rate mortgages.
  • Adjustable-rate mortgage: For some, an adjustable-rate mortgage is a more beneficial solution in the long term, and your Loan Officer can help you find the one that's right for you.
  • VA loans: If you're a veteran or currently serving in the military, you can qualify for a zero-down-payment home loan.
  • First-time home buyer programs: You may qualify for programs that offer lower-than-market interest rates and down payment assistance for qualified buyers, including North Carolina bond programs, NC Home Advantage Mortgage or the Mortgage Credit Certificate program.
  • USDA or Section 502 loans: US Department of Agriculture loans are an excellent mortgage product for those who don’t have money for a down payment but do have acceptable credit ratings.
  • HUD 184 programs: Native American borrowers can qualify for affordable down payment options.
  • Jumbo/non-conforming loans: If your loan exceeds conforming limits, we can still offer you a fixed- or adjustable-rate home loan.
  • Construction loans: Building the home of your dreams is simple with our one-time-close, construction-to-perm loan.
  • Rehab and FHA 203(k) loans: If you need to purchase a home and begin repairs or remodels upon closing, a rehab or FHA loan can help.

Find a Licensed Home Loan Expert to Get Started

Your hometown Cunningham & Company loan expert will be at your side throughout the entire loan process – backed by the strength of a leading mortgage company.

For over 25 years, Cunningham & Company has been providing our friends and neighbors with affordable home loans. Now one of the largest independent mortgage lenders, we loan over $1 billion in mortgages annually. We may be bigger after over a quarter century, but our values remain the same – what's important to you is important to us.

20 Town Mountain Rd
Ste 100
Asheville NC 28801
Phone: (828) 258-1290
Toll Free: (800) 332-5590

Licensed by the North Carolina Banking Commission, License Number L-165098, NMLS# 1405533
Cunningham & Company is a trade name for First Mortgage Company, L.L.C., NMLS 2024.