Over 35 years of dedicated mortgage expertise with more than $2 billion in successfully funded loans across diverse market conditions.
2
Reputation
Widely recognized throughout the industry as Professional in execution, Personal in approach, and Passionate about finding the perfect mortgage solution for every client.
3
Service Area
Proudly serving the entire North Carolina Triad region with convenient office locations in Winston-Salem and Greensboro, offering flexible appointment options.
Specialized Expertise
First-Time Buyers
Tailored programs with down payment assistance and favorable terms to help you achieve homeownership with confidence.
Medical Professionals
Exclusive financing options designed for physicians and healthcare workers, accommodating student debt and unique career paths.
First Responders
Dedicated mortgage solutions with special benefits for police, firefighters, and EMTs who dedicate their lives to public safety.
Loan Program Variety
Conventional
Traditional financing with competitive rates and flexible down payment options.
Government-Backed
FHA, VA, and USDA loans offering lower barriers to entry and special protections.
Portfolio
Customized solutions for qualified borrowers who fall outside standard guidelines.
Jumbo
Premium financing for luxury properties with loan amounts up to $3 million.
Medical Professional Mortgages
Flexibility
Tailored solutions for medical professionals at every career stage, from residents and fellows to established practitioners with decades of experience.
Special Terms
Customized financing that recognizes student loan debt, delayed income potential, and unique compensation structures common in healthcare professions.
Career Growth
Progressive mortgage options that evolve with your career trajectory, allowing you to secure appropriate housing as your practice develops and income increases.
First-Time Home Buyer Programs
1
Grants
Non-repayable financial assistance specifically designed to help with down payments and closing costs, potentially saving you thousands.
2
Down Payment Assistance
Low or zero-interest loans with deferred repayment options that significantly reduce your initial investment and make homeownership more accessible.
3
Education
Comprehensive homebuyer workshops led by Jill that fulfill program requirements while providing essential knowledge for successful homeownership.
Community Partners Programs
1
Law Enforcement
Exclusive mortgage options with reduced rates and flexible terms for police officers and sheriff deputies.
2
Firefighters
Specialized home loan programs with lower down payments and closing cost assistance for fire service personnel.
3
Educators
Tailored financing solutions with competitive rates and reduced fees for teachers, administrators, and school support staff.
4
Healthcare Workers
Priority financing with unique benefits for nurses, doctors, EMTs, and other healthcare professionals serving our community.
Down Payment Assistance Options
1
1
NC 1st Home Advantage
$8,000 down payment assistance for qualified first-time homebuyers and military veterans in North Carolina.
2
2
Greensboro Housing Connect
Up to $10,000 in forgivable loans for eligible buyers purchasing within Greensboro city boundaries.
3
3
Special $15,000 Program
Limited-time down payment grants of $15,000 for qualifying properties in designated North Carolina counties.
4
4
High Point Programs
City-sponsored incentives up to $5,000 for buyers choosing High Point neighborhoods, with flexible qualification requirements.
Government-Backed Loan Options
VA Loans
Zero down payment and competitive rates for eligible veterans, active-duty service members, and surviving spouses. No PMI required.
FHA Loans
Down payments as low as 3.5% with flexible credit requirements. Ideal for first-time homebuyers and those with limited savings.
USDA Rural Housing
No money down financing for moderate-income buyers in eligible rural and suburban areas. Reduced mortgage insurance costs.
The Jill Difference
1
2
3
1
Personal Touch
I treat every client as an individual, not just another transaction. Your unique needs and goals drive my approach.
2
Navigation Expertise
I guide you confidently through complex mortgage landscapes, anticipating challenges before they arise and ensuring a smooth journey.
3
30 Years Experience
Three decades of successfully handling unusual loan scenarios means I've seen it all and know how to find solutions others miss.
Client Testimonials
"Jill made me feel comfortable from the moment I walked into her office. She was consistently available to answer my questions, no matter how small. Her expertise made the entire mortgage process stress-free and straightforward." - Ken R.
"Working with Jill was the best decision we made in our home buying journey. Her attention to detail and personalized guidance saved us thousands of dollars and weeks of potential delays." - Maria S.
"After struggling with two other lenders, Jill's 30 years of experience made all the difference. She found solutions I didn't know existed and secured our dream home against all odds." - The Johnson Family
Service Areas
Jill's mortgage expertise extends across North Carolina with a strategic focus on the vibrant Triad region.
While primarily serving the North Carolina Triad region (Greensboro, Winston-Salem, and High Point), Jill is committed to helping clients secure their dream homes throughout the entire state and neighboring areas. Her extensive network of financial resources and deep understanding of regional market conditions benefit clients wherever they choose to put down roots.
Frequently Asked Questions
What makes Jill different from other lenders?
With 35 years of industry experience and over $2 billion in successfully funded loans, Jill brings unmatched expertise and a genuine personal touch to every transaction. Her client-centered approach ensures you receive customized solutions tailored to your unique financial situation and homeownership goals.
What areas does Jill serve?
Jill primarily serves the North Carolina Triad region, including Greensboro, Winston-Salem, and High Point. However, her expertise extends to clients throughout North Carolina and neighboring states. Distance is never a barrier to receiving Jill's exceptional service and personalized mortgage solutions.
What types of loans does Jill offer?
Jill offers a comprehensive range of mortgage products to suit diverse needs and financial situations, including: Conventional loans, FHA loans for first-time buyers, VA loans for veterans, USDA loans for rural properties, Jumbo loans for higher-value homes, Portfolio loans for unique situations, specialized Medical Professional programs, and exclusive community partner programs with favorable terms.
Community Involvement
Animal Rescue
Partnering with local shelters to fund adoption events and provide essential resources for abandoned pets in our community.
Homebuyer Education
Hosting free monthly workshops that empower first-time buyers with the knowledge and resources to navigate assistance programs and secure affordable housing.
Development Initiatives
Collaborating with local officials and nonprofit organizations to advocate for affordable housing solutions and revitalize underserved neighborhoods.
Get Started Today
35
Years Experience
Decades of trusted mortgage expertise guiding homebuyers through every step of the process.
$3+B
Loans Funded
Substantial portfolio demonstrating our commitment to helping families achieve homeownership.
30
Minute Consult
Complimentary consultation to understand your needs and create a personalized financing plan.
Ready to make your homeownership dreams a reality? Contact Jill today at (336) 740-9068 or visit mortgagesbyjill.com for expert guidance throughout your home buying journey. NMLS #100425