Licensed Across the Southeast

Real people.
Real rates.
Right here
at home.

You find the home. We'll find the loan.
We shop 40+ lenders so you can focus on what matters.

Get Pre-Qualified Today → Meet the Team
A proud Motto Mortgage franchise
Mortgage Calculator

See what your payment could look like.

Estimates only, not a loan commitment
Home Price
$
Down Payment
$ 20%
Interest Rate
%
Loan Term
PMI is included in your estimate because your down payment is below 20%. PMI typically ranges from 0.5% to 1.5% of the loan amount annually and can be removed once you reach 20% equity.
Est. Monthly Payment
$ 2,104
Based on 30-year fixed · $280,000 loan
71% P&I
Principal & Interest $1,498
Property Tax (est.) $321
Insurance (est.) $150
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What's included in this estimate: The monthly payment above includes principal & interest based on your inputs, plus an estimated property tax of 1.10% annually and estimated homeowner's insurance of $150/month. These are reasonable averages for coastal NC, and your actual costs will vary based on your location, property, and insurer. If your down payment is below 20%, a PMI estimate is also included.

This calculator is for illustrative and educational purposes only and does not constitute a loan application, pre-qualification, pre-approval, or commitment to lend. Results are estimates based on the information entered and assumed values; they do not account for your credit score, debt-to-income ratio, property type, loan program, or other factors that affect actual loan eligibility and terms. Rates shown are not guaranteed and are subject to change without notice. Contact a licensed mortgage advisor for an accurate quote. Secure Choice Mortgage · JJFM, LLC · NMLS #2356464 · Equal Housing Lender.

Loan Programs

Every path to a home, covered.

From conventional to government-backed, we compare options across 40+ lenders so you don't have to do the shopping yourself.

Most Common
Conventional
Flexible options starting at 3% down. Works great for buyers with solid credit and stable income.
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Gov't-Backed
FHA Loans
Lower down payments, more flexible credit requirements. A go-to choice for first-time buyers.
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Best Benefit
VA Loans
$0 down for qualifying veterans and active military. One of the best benefits you've earned.
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Zero Down
USDA Loans
100% financing for eligible rural and suburban areas. More areas qualify than most people expect. Worth a quick check.
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High-Value Homes
Jumbo Loans
Financing above conforming limits for high-value primary homes, vacation properties, and investment real estate.
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Save Money
Refinance
Lower your payment, shorten your term, or tap your equity. We compare across lenders to find your best deal.
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Local loan advisors
on your team
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Lenders we shop
on your behalf
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Average client
satisfaction rating
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States licensed &
actively expanding
Why Choose Us

The big-network advantage.
The personal-service difference.

We're part of the Motto Mortgage national network, with more lenders and better rates than any single bank. And unlike the big online lenders, you get a real advisor who picks up the phone.

01
We shop 40+ lenders so you don't have to
Your bank can only offer their own rates. We compare dozens of wholesale lenders to find the program that actually fits your situation, not just what's easiest for us to sell.
Motto Network
02
One advisor, start to close. No runarounds
You'll have a real person's phone number. Not a ticketing system. Not a queue. Your advisor is your single point of contact from first call to closing day.
Personal Service
03
Coastal market expertise, built over years of closed deals
Waterfront properties have quirks most lenders get wrong: flood zones, second home classifications, short-term rental income. We've closed hundreds of coastal deals across NC and beyond, and we know how to get them done.
Market Expertise
04
Apply from your couch, close with confidence
Our digital tools let you apply, upload documents, and track your loan status from your phone, without losing the support of real people just a call away.
Modern Tech
Client Reviews

Don't take our word for it.

Hear from people who've been right where you are.

★★★★★
Paul and his team made the entire process seamless. We were first-time buyers and they walked us through every single step. Closed on time, no surprises. Cannot recommend them enough.
JM
James M.
First-time buyer · Southport, NC
★★★★★
Refinanced with Secure Choice and saved over $300/month. They shopped around and found a rate my own bank couldn't come close to. The whole thing took about 3 weeks.
SR
Sarah R.
Refinance · Oak Island, NC
★★★★★
As a Realtor, I've sent multiple clients to Secure Choice over the last two years. They communicate, they close on time, and they treat my clients like people. That's everything.
TK
Tracy K., Realtor®
Referral partner · Leland, NC
Careers

Loan officers:
come grow with us.

We're one of the fastest-growing Motto Mortgage franchisees in the country. If you want more lender options, better tools, and a team that actually invests in you. Let's talk.

Access to 40+ wholesale lenders through the Motto network
Full tech stack: LendingPad, digital POS, CRM
Marketing and operations support built in
Growing footprint across NC, SC, VA, FL, and TN
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Ready to make
your next move?
See what a career at Secure Choice actually looks like: the tools, the team, and the opportunity.
40+
Lender
options
5
States and
expanding
20+
Advisors on
the team
View Careers →