We're all about adding value!
Some call it going above and beyond. Others say they give 110%. At Nations Lending, going beyond our stakeholders’ expectations is just the way we do business. Adding real value to our partnerships, customer experience and community engagement is the cornerstone of Nations Lending. With the full support and resources of Nations Lending’s corporate office, we can grow our businesses together, as partners.

Why Jeff?

For over 23 years, Jeff has served the mortgage needs of North Carolina. Through the decades he’s gained valuable experience dealing with traditional loan types (Conventional, FHA, VA, and USDA) as well as niche scenarios like: Non-QM loans such as bank statements and Tax ID loans. When he’s not tailgating at NC State games he’s spending time at the beach with his dog Caesar and wife of 24 years.

Wow.!!! Jeff really went above and beyond with his services. He literally made the process so easy and stress free. He was very professional and always answered all my many questions, responding back immediately, even on the weekends when on the beach. 😉 I most definitely would use him again. God bless you Jeff and your staff. Be safe and keep up the good work!

- Lisa

My experience working with Jeff Williams has been amazing. I felt like I was cared for as a person, always received quick responses, Jeff was always willing to answer question and always explain all my options and provided accurate information to help me make the best decision. Thank you Thank you!!

– Taneka

Jeff and his team made the mortgage process really easy. They were very clear with what they needed from me and made it easy for me to get it to them. They were fast, responsive and did a good job of finding lower rates when available. If I ever need to buy or refinance again, I'll definitely reach out to Jeff and his team again.


Jeff and his team did an exceptional job. We were in a pinch as a prior big bank lender dropped the ball. Jeff was on it and got us closed in just over 2 weeks. A miracle in these times. If you are looking for a professional lender with experience and expertise, Jeff is your guy.

- Janice

We're licensed in all 50 states

• We’re a direct seller to Fannie, Freddie and Ginnie
• We service 96% of the loans we originate. We own the experience.
• In-house underwriting for 203K renovation loans and robust portfolio of Non-QM products, including Bank Statement Loans, Foreign Nationals, Asset Depletion and Non-Warrantable Condos*

National Products Mix

Our Product line includes:


Conventional Agency Loans, including:

• HomeReady/Home Possible – 3% down – income limits
• HomeOne/Standard 97 – 3% down – no income limits
• HomeStyle Energy
• HomeStyle Renovation
• RefiNow at Nations

FHA Loans, including:

• FHA – 3.5 down – no income limits
• FHA 203K Renovation loans
• VA Loans, including
• VA 100% - no down payment required – no income limits
• VA Jumbo loans
• VA New Construction
• VA Joint Loans

USDA Rural Development:

• USDA 100% - no down payment required – no income limits

Jumbo Loans, including:

• LTV’s as high as 89.99% with No Mortgage Insurance
• Loan amounts up to $5 Million

Access to over 80 state specific bond and housing programs across the country:

• Includes the Chenoa Fund serving all 50 states w/ DPA assistance at 3.5% to 5%

Platforms built with you in mind.

Your Property Website

Leveraging our technology, we will create a single, co-branded website for every listing, with the push of a button. Choose your favorite look and feel from seven different website templates. Got a video tour of your listing somewhere else on the web? Easily add it to your single property site in one simple step.

See Example

Custom Flyers

Need to create community flyers based on floor plans, events, or loan program flyers? We have your marketing covered.

Flyer ExampleInfographic

Digital Open-House Sign in Sheet

Real Estate agent partners can bring their Open Houses into the 21st Century with this dynamic, handy tool. By signing in digitally, each Open House attendee can easily be placed on lead capture email journeys and slotted for other follow-up communications. The best part? Total Expert automates the communication and encourages the lead to contact the real estate agent, to keep agents from constantly playing follow-up with cold leads.

Lead Capture Tools:

The Marketing tools in Total Expert are so much more than just pretty pictures. Provide home real time valuations for prospective sellers. It's just another way that Total Expert and your partners at Nations Lending are working to add real value to your business.

Realtor Support

Realtors love our marketing assistant program because they can rely on our LOMAs to consistently provide marketing materials for each for their listings. From new listing kits, open house marketing kits, social media posts, to property websites we’ve get them covered. Our LOMA service can even help realtor partners drive new leads by giving them lead generation tools they can use.

expand your influence

expand your influence

expand your influence

expand your influence

expand your influence

Within our community

With our Nations Lending team generating additional leads and distributing them to your team of Realtors, you will have a recruiting advantage within your market. 80% of these exclusive, pre-approved leads DO NOT have an established relationship with a realtor. Our marketing team then customizes ads targeting these leads and people like them, which can be based on your listings. Nations Lending acquired 2.3 million of these leads across the company in 2020.

Within your industry

Our industry is changing quickly. Even quasi-partners like Zillow have started to encroach on our core business model of Real Estate Agency and Mortgage Lending. Zillow and others, like Lending Tree, will be direct competitors in the future. So, why not partner with a local entrepreneur who is engaged and invested in our community, and is fully backed by a lender that is positioned to continually invest heavily in technology/marketing? Partner with a local entrepreneur who understands that 95% of buyer journeys start online. But perhaps most importantly, partner with a local entrepreneur who cares enough to give your Realty team the service and attention you deserve and should expect, so we both grow, as partners.

Nations Lending fosters relationships like this one through paid search, social media ad buys and other avenues. We are ready to commit to a partner with whom we will share our resources and knowledge-base

Buyer Seminars will also be a great educational asset for your clients, whether they’re first-time homebuyers or real estate investors. But why stop there? Let’s combine forces to build both brands around town with co-sponsored community events. The sky is truly the limit with this potential partnership.

Your Client Portal

Nations Lending employs the industry-leading Blend Point-Of-Sale system, which makes the digital application and loan milestone process faster and easier than ever. We share the app with our realtor partners, and borrowers receive a simple link to the client portal, where they’ll start the loan process. Transparent communication means you stay informed on the client’s loan application every step of the way. Borrowers can simply snap photos of documents and upload them directly from their smartphone, and you’ll be notified at every loan milestone.