Get Mortgage Rates for today!
Several factors can affect your ability to get low mortgage rates. Credit score, down payment, the home you want to buy or refinance, the length of the loan, how much you borrow, and even when and where you're borrowing can all have an impact on what sort of home loan interest rates you can obtain.
Finding the lowest mortgage interest rates is only one factor to be considered when shopping for a home loan. Other considerations, such as closing costs and the type of mortgage, will affect your overall costs as well.
Fill out the below Mortgage Rate & Cost Request form to the best of your knowledge and I will get back to you as quickly as possible with an estimated scenario.
101 West Central Ave
Mount Holly, NC 28120
Licensed in: Florida (FL), Georgia (GA), North Carolina (CA), South Carolina (SC)
About Thor Chitow
NMLS ID 920723
As an experienced dedicated lending professional Thor Chitow ensures his clients fully understand the home financing options he can offer them. In a time of automation and virtual platforms it is refreshing to be able reach someone on the phone at all times that will be able to explain things in a way that anyone can understand. Thor will go above and beyond to get things done in a quick and efficient manner.
Thor loves helping people from all walks of life with purchases and refinances. Thor specializes in borrowers with unique situations, such as credit issues, housing challenges, and alternative sources of income. With a huge portfolio of loan products Thor can find a program that caters to each client’s needs.
Originally from South Florida Thor moved to North Carolina following hurricane Wilma to be closer to extended family and has called the Carolina’s home since then. He currently lives in Mooresville, NC with his wife, son, and 2 French Bulldogs. In his spare time Thor enjoys cooking, woodworking, and spending time in the mountains and the beach with family and friends. Thor’s wife works for Johnson & Wales University in Academic Services.
MORTGAGE LOAN PROGRAMS & RESOURCES
USDA RURAL LOANS
FIRST-TIME HOMEBUYER PROGRAMS
DOWN PAYMENT ASSISTANCE PROGRAMS
HOME EQUITY LINE OF CREDIT (HELOC)
MORTGAGE PAYMENT CALCULATOR
MORTGAGE FREQUENTLY ASKED QUESTION (FAQ)
DIY, DESIGN & HOME FINANCE BLOG
What My Clients Say
“Great to work with!”
Thor was great to work with on our 10 year mortgage refinance. We will end up saving close to $40,000....even though we are refinancing our previously low interest rate 15 year fixed mortgage loan. He assured me that he would always be available to me and backed it up by emailing me a reply almost immediately on a Sunday, not even a standard workday for him. We had an unusual circumstance as well for which we had in the past had to provide endless documentation and handwritten letters of explanation but for which this group accepted upon presentation of legal document support. Done...and done! The whole group was easy to work with, knowledgeable and very responsive to questions. Easiest and most enjoyable finance experience ever. We would work with him again and have already recommended Thor to friends and family!
“Closed on time and went smooth!”
My VA loan was processed, approved, and funded in the time originally promised. Everything was done electronically over the internet and the status was continually updated to keep me informed of the progress throughout the system. All this plus the best rate available anywhere.
“I LOVE my new home and can’t thank Thor enough!”
Thor was more than great, as a first time homebuyer I never thought I'd be able to get approved for a loan and this man made it possible! He was fast, reliable and knowledgeable. Would definitely recommend him!