# QC Lending > Official QC Lending business agent. QC Lending is a Charlotte, North Carolina mortgage broker that helps homebuyers and homeowners across multiple states… ## Ask it a question QC Lending answers for itself at https://api.hailera.com/mcp/qclending. A client that speaks MCP can connect to that address; the tool is ask_qclending and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## About QC Lending Who we are QC Lending is an independent mortgage company based in Charlotte, North Carolina. The team has over 120 years of combined experience helping customers purchase homes and refinance existing mortgages. Our mission is to serve customers with honesty, integrity and competence. Our goal is to provide home loans while working to secure competitive interest rates and closing costs, and to help borrowers overcome roadblocks that can arise while securing a loan. QC Lending began as a two-person shop in Charlotte and has grown to serve customers in 12 states across the country. The company has helped many homebuyers and homeowners purchase or refinance their homes. How QC Lending works - QC Lending is a mortgage broker, not a single bank. - The company works with more than 20 lenders and compares multiple options on a borrower's behalf. - Competing lenders may offer different rates and terms for the same borrower; QC Lending uses this competition to seek better overall loan options for each client. - Because QC Lending has access to many lenders, it can offer a wider range of loan programs than a typical single "big bank." Service approach - You reach a real person when you call; QC Lending emphasizes live, one-on-one service rather than automated call trees. - A loan officer works with you from the first conversation through closing. - QC Lending aims to build long-term relationships for both purchase and refinance needs. Who QC Lending serves QC Lending helps: - Homebuyers, including first-time buyers - Homeowners looking to refinance to reduce payments, change terms, or access equity - Borrowers who may need help navigating underwriting or other obstacles in the loan process For current details on licensing and the states QC Lending serves, please contact the office directly. Source: https://qclending.com ## Where QC Lending works Lists Charlotte, Douglas, and Martinez as a location. Names North Carolina and Charlotte as a service area. Areas beyond these are not published. ## Hours and contact Main office Business name: QC Lending, LLC Office address: 301 S McDowell St, Suite 205, Charlotte, North Carolina Main phone: (980) 224-5468 General email: info@qclending.com Website: https://www.qclending.com Company NMLS ID: 998768 (see nmlsconsumeraccess.org for details) Note: The website shows different ZIP codes for the office address on different pages. For the most accurate, up-to-date mailing details, please confirm with the QC Lending team when you contact them. Loan officers The QC Lending team includes the following loan officers: Douglas Shaffer - Role: Loan Officer - NMLS#: 89991 - Email: doug@qclending.com - Phone: (980) 224-5468 Anthony Bent - Role: Loan Officer - NMLS#: 1747588 - Email: anthony.bent@qclending.com - Phone: (813) 565-8598 Robert Long - Role: Loan Officer - NMLS#: 223633 - Email: robert.long@qclending.com - Phone: (813) 886-1141 Michele Martinez - Role: Loan Officer - NMLS#: 1613284 - Email: michele.martinez@qclending.com Chris Moss - Role: Sr. Loan Officer - NMLS#: 1575852 - Email: chris.moss@qclending.com - Phone: (980) 221-0435 Donald Burch - Role: Sr. Loan Officer - NMLS#: 89992 - Email: don@qclending.com - Phone: (980) 321-9469 Accessibility QC Lending provides an accessibility widget on its website to help make online content easier to use for people with disabilities. If you experience any difficulty using the website or need accessibility assistance, you can email info@qclending.com during normal business hours for support. Source: https://qclending.com ## Mortgage FAQs and loan application checklist This document summarizes key information from QC Lending's FAQ page. It is general educational information and not individualized financial advice. When does it make sense to consider refinancing? - Refinancing can be worth exploring when current mortgage rates are meaningfully lower than the rate on your existing loan. - The FAQ notes that many borrowers start looking when rates are about 2 percentage points lower, but refinancing may still make sense with a smaller difference depending on your loan amount, budget and how long you plan to keep the loan. - Any reduction in rate can reduce your monthly principal and interest payment, but total finance charges over the life of the loan may still be higher depending on term and costs. What are "points" on a mortgage? - One point equals 1% of the loan amount (for example, 1 point on a $100,000 loan is $1,000). - Points are fees paid to the lender as part of getting the mortgage under certain terms. - Discount points are paid upfront in exchange for a lower interest rate over the life of the loan. Should I pay points to lower my rate? - Paying points can make sense if you plan to keep the loan for at least a few years, because the lower monthly payment may eventually outweigh the upfront cost. - If you expect to sell or refinance again in a short time, the savings may not be enough to recover what you paid for points. What is APR? - APR (Annual Percentage Rate) is a yearly rate that reflects the cost of a mortgage, including interest and certain loan fees. - APR is often higher than the simple interest rate because it includes items such as points, some lender fees, and required mortgage insurance, where applicable. - APR is designed to help borrowers compare the overall cost of different mortgage offers. - Your monthly payment is still based on the interest rate and loan term, not the APR. What does it mean to "lock" an interest rate? - Mortgage rates can change during the application process. - A rate lock is a commitment from the lender to hold a specific interest rate for a set period (often 30–60 days, sometimes for a fee). - Locking a rate helps protect you if market rates rise before your loan closes. Documents commonly needed for a mortgage application Every situation is unique, but you should expect to provide documentation in the following categories: Property information (for a purchase) - Signed purchase contract and any riders - Verification of your earnest money deposit - Contact information for your real estate agent, builder, insurance agent and attorney - Listing sheet and legal description (and condominium documents, if applicable) Income and employment - Recent pay stubs (covering at least 30 days) - W-2 forms for the past 2 years - Names and addresses of employers for the last 2 years - Explanations for any significant gaps in employment - Work visa or green card, if applicable If self-employed or if you receive commission, bonus, interest/dividend or rental income: - Full personal tax returns for the last 2 years (all schedules and statements) - Business tax returns and K-1s where you own a significant share of a partnership or corporation - Year-to-date profit and loss statement if required If using alimony or child support to qualify: - Divorce decree or court order stating the amount - Proof of receipt of funds for the past year If receiving Social Security, disability or VA benefits: - Award letter or benefit documentation Assets and source of funds - Recent bank statements (typically last 2 months) for checking, savings or money market accounts - Statements for investment or retirement accounts that will be used for the transaction - Documentation for any funds from the sale of another property - Gift letter and proof of receipt if part of your funds to close are a gift Debts and obligations - List of all current debts including names, account numbers, balances and minimum payments - Recent statements for mortgages, auto loans, student loans, credit cards and other obligations - Documentation for alimony or child support you pay, if applicable Additional documentation may be required based on your specific situation and what appears on your credit report. How do lenders evaluate my credit? - Lenders often use credit scores (such as FICO) plus a review of your credit report. - Credit scores reflect factors such as payment history, amounts owed relative to credit limits, length of credit history, types of credit and recent applications for new credit. - A higher score generally indicates lower risk to the lender. What can help improve a credit profile over time? While every scoring model is different, common steps that may help include: - Paying bills on time - Reducing balances relative to credit limits - Avoiding opening multiple new accounts in a short period - Maintaining older, well-managed accounts to build length of history For specific actions, consult directly with a loan officer or financial professional. What is an appraisal? - An appraisal is an independent estimate of a property's fair market value, usually performed by a state-licensed appraiser. - Lenders typically rely on appraisals to help ensure the loan amount is appropriate relative to the home's value. What is PMI (Private Mortgage Insurance)? - PMI is insurance required on many conventional loans when the down payment is less than 20% of the purchase price. - PMI protects the lender if the borrower defaults; it does not protect the borrower. - Borrowers can often avoid PMI by making a larger down payment or using certain loan structures where eligible. What is 80-10-10 (or 80-15-5) financing? - These are examples of combined first and second mortgage structures designed to reduce or avoid PMI. - In an 80-10-10 structure, a first mortgage covers 80% of the purchase price, a second mortgage covers 10%, and the borrower makes a 10% cash down payment. - Similar logic applies to 80-15-5 (80% first mortgage, 15% second mortgage, 5% down). - Because these options involve multiple loans and different risk levels, fees and interest rates can differ from standard single-loan financing. What happens at closing? - Closing (or funding) is when ownership of the property is formally transferred to the buyer and the mortgage is finalized. - Closing may involve the buyer, seller, real estate agents, attorneys, and title or escrow company staff. - In some states, much of the process is completed through a title or escrow company that handles document signing and disbursements. - Buyers typically complete a final walkthrough before closing to confirm agreed-upon repairs and that included items remain with the home. If you have questions about your specific situation, a QC Lending loan officer can walk you through how these concepts apply to your loan. Source: https://qclending.com ## What QC Lending has not published yet These are things people ask QC Lending that its published information does not yet cover. - prices - interest rates - loan approval or eligibility - availability of specific loan programs - closing times or time to close - guaranteed savings or outcomes - contract terms or legal advice - tax advice Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from https://qclending.com