From Rent to Own NC

From Rent to Own NC This is designed to help renter become potential homeowners. It has info in regards to credit, down

Cardinal Financial Company, Limited Partnership NMLS 66247

Ben Ingle | NMLS 58197

Producing Branch Manager - Loan Originator

Equal Housing Opportunity

For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247

Cardinal Licensing: cardinalfinancial.com/nmls-licensing

Four Programs. One Dream. One Closing Table.No two homebuyers are the same, so why settle for a one-size-fits-all constr...
09/02/2026

Four Programs. One Dream. One Closing Table.
No two homebuyers are the same, so why settle for a one-size-fits-all construction loan?
At On Q Home Loans, we offer FOUR One-Time Close Construction Loan options, giving you the flexibility to build your dream home with the program that fits your goals.
VA - 0% Down for eligible Veterans and Active-Duty service members
USDA - 0% Down for qualified properties
FHA - 3.5% Down payment options with flexible credit guidelines
Conventional - As little as 5% Down payment options for qualified buyers with strong credit
· One Loan
· One Closing
· One Simple Path from Dirt to Dream Home
Whether you already own land or you're starting from scratch, we'll guide you every step of the way-from finding the right financing to handing you the keys.
Ready to build? Let's find the construction loan that's right for you!


https://www.onqhomeloans.com/locations/ben-ingle/

Build your dream home with as little as 5% down payment options!Think construction loans are only for buyers with huge d...
08/22/2026

Build your dream home with as little as 5% down payment options!
Think construction loans are only for buyers with huge down payments? Think again! With On Q Home Loans' Conventional Construction Loan, you could build the home you've always envisioned with as little as 5% down payment options for qualified borrowers.
· Flexible credit score options
· Available for primary residences AND second homes
· One-time close means less hassle and a smoother building process
Whether you're dreaming of a lake house, mountain retreat, or your forever home, we are here to guide you from blueprint to move-in day.
Ready to break ground? Let's talk about your construction loan options today!


https://www.onqhomeloans.com/locations/ben-ingle/

Build your dream home with as little as 3.5% down!Think building a new home is out of reach? Think again! With an FHA On...
08/21/2026

Build your dream home with as little as 3.5% down!
Think building a new home is out of reach? Think again! With an FHA One-Time Close Construction Loan, qualified buyers can build a brand-new home with as little as 3.5% down.
· As little as 3.5% down payment options
· 580 minimum credit score
· One loan. One closing. One simple process.
· Perfect for buyers looking for flexible credit guidelines
From purchasing the land to handing you the keys, On Q Home Loans is here to guide you every step of the way. No construction experience? No problem. We'll walk you through the entire process!
Ready to stop dreaming and start building? Let's talk about your FHA Construction Loan options today!


https://www.onqhomeloans.com/locations/ben-ingle/

Attention Veterans! Build the home you've always wanted, with NO down payment!Why settle for someone else's dream home w...
08/20/2026

Attention Veterans! Build the home you've always wanted, with NO down payment!
Why settle for someone else's dream home when you can build your own? With On Q Home Loans' VA Construction Loan, eligible veterans could finance up to 100% of the cost to build their new home!
· Up to 100% financing (no down payment options for qualified borrowers)
· Builder pays the interest during construction
· One-time close available
· Start with land you already own or find the perfect lot together!
You've served our country. Now let us help you build the home you've earned.
Message me today to learn how easy it is to get started!


https://www.onqhomeloans.com/locations/ben-ingle/

Your dream home-site may qualify for 100% financing!When most people hear USDA, they think farms. The truth? Many commun...
08/19/2026

Your dream home-site may qualify for 100% financing!
When most people hear USDA, they think farms. The truth? Many communities just outside city limits qualify-and you might be surprised how close "rural" really is!
With On Q Home Loans' USDA One-Time Close Construction Loan, you could build your dream home with NO down payment if you qualify.
· 100% Financing for eligible buyers
· No Down Payment options available
· Finance your land and new construction with one loan and one closing
· Available in eligible USDA areas (income and property requirements apply)
Whether you're dreaming of a quiet country home, a few acres for the kids to play, or your forever home away from the hustle and bustle, we are here to make it happen!
Curious if the land you're looking at qualifies? Send me a message, and I'll check it for you!


https://www.onqhomeloans.com/locations/ben-ingle/

From Dirt to Keys... with ONE Loan and ONE Closing!Building a home shouldn't mean jumping through hoops or paying closin...
08/18/2026

From Dirt to Keys... with ONE Loan and ONE Closing!
Building a home shouldn't mean jumping through hoops or paying closing costs twice. That's why our One-Time Close Construction Loan makes the process simple from start to finish!
· One loan from construction to permanent financing
· One closing-no need to refinance when your home is complete
· One appraisal
· One set of closing costs
· Don't own your lot yet? You could finance the land purchase, too!
Whether you're starting with a piece of land or searching for the perfect lot, The Ingle Team at On Q Home Loans is here to guide you every step of the way-from breaking ground to getting your keys.
Ready to build your dream home? Let's make it happen!


https://www.onqhomeloans.com/locations/ben-ingle/

Wondering how a construction loan actually works? It's simpler than you think!One of the biggest misconceptions about bu...
08/17/2026

Wondering how a construction loan actually works? It's simpler than you think!
One of the biggest misconceptions about building a home is that you have to pay the full mortgage before the house is finished. That's not how it works!
Here's what happens:
Lot - Purchase the land
Foundation - Funds are released after inspections
Framing - Another draw is issued as work is completed
Finish - Final construction stages are funded
Keys - Your dream home is complete!
During construction, funds are released in draws as each phase is completed and inspected. That means you're only making interest-only payments during construction, not a full mortgage payment on a home that isn't finished yet.
At On Q Home Loans, we'll walk you through every step of the process so you know exactly what to expect from groundbreaking to move-in day.
Ready to build your dream home? Let's talk about your construction loan options today!


https://www.onqhomeloans.com/locations/ben-ingle/

Before you sign with a builder... let's make sure you're set up for success!One of the biggest mistakes I see is buyers ...
08/16/2026

Before you sign with a builder... let's make sure you're set up for success!
One of the biggest mistakes I see is buyers signing a construction contract before they know which loan program fits their goals.
Here's a better plan:
· Bring me the lot.
· I'll bring the loan options.
With nearly 30 years of mortgage experience, I'll review:
The lot address
· Your estimated build budget
· Your financial goals
Then I'll match you with the construction loan that makes the most sense-whether it's:
· VA
· USDA
· FHA
· Conventional
In most cases, I'll let you know the same day which option is the best fit.
Don't guess. Don't sign first. Let's build your financing plan before you build your home.
Send me the lot address and your estimated build cost today, and let's get you on the path from blueprint to closing table!


https://www.onqhomeloans.com/locations/ben-ingle/

Address

Kings Mountain, NC
28086

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17048130839

Website

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