National Home Finance

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Wilmington, NC
National Home Finance

National Home Finance is a Wilmington, NC based mortgage brokerage and mortgage lenders company. We serve North Carolina, Florida and Virginia.

National Home Finance: Your Personal Mortgage Lenders

Our philosophy is simple: treat our customers as we wish to be treated. We take a consultative approach instead of pushing everyone into a cookie-cutter loan; we will find the type of mortgage loan that is best for you and we’ll take the time to explain everything. A Local Mortgage Home Loan Team with National Partnerships

Our team is made up

of many smaller teams tailored to give personalized service so our customers can always feel like they are working with friends. We have formed and partnered with an array of mortgage servicers that focus on different types of home loans so that we may find you the very best loan and the lowest mortgage loan rates available anywhere. Being able to broker/shop your loan gives you the advantage of saving a great deal over the life of the mortgage loan. We can help you with any type of home loan including:

• Conventional
• Jumbo
• Fixed rate
• Adjustable
• Reverse
• Refinance
• Federal home loan programs, like FHA & VA

09/02/2026

A great mortgage experience takes a great team behind it!

Our team brings years of experience, industry knowledge, and a commitment to taking care of our clients from the first conversation all the way through closing.

We work together to answer your questions, explain your options, keep the process moving, and make sure you always know what comes next. When you’re making a decision as important as financing a home, the people in your corner matter.

Ready to make your next move? Our dream team is ready to help! Call us at 910-332-4040 or visit our website at NationalHomeFinance.com today!

Joe Rumora NMLS #117426
Marty DeJoseph NMLS #1132915
Sherry Schaeffer NMLS #117413
National Home Finance NMLS #1099098

08/31/2026

Once your mortgage application is submitted, the process officially starts moving!

Your lender will review the information you provided, including your income, assets, debts, credit history, and other financial details. From there, you may be asked to provide supporting documents such as pay stubs, bank statements, tax documents, or identification so everything can be verified.

Once your information has been reviewed, your lender can help you understand the loan programs and financing options you may qualify for. If you’re purchasing a home, this is also where pre-approval can become an important part of preparing to make an offer.

And the communication doesn’t stop after you hit “submit.” As your loan moves through processing and underwriting, there may be additional questions or documents needed along the way. That’s where having an experienced lender in your corner can make the process feel a whole lot easier.

Ready to get started? Give our team a call at 910-332-4040 or visit our website at NationalHomeFinance.com and we’ll walk you through what comes next!

National Home Finance NMLS #1099098

08/28/2026

Did you know that mortgages aren’t one-size-fits-all?

Your unique circumstances call for a tailored approach. Whether it’s your first home, second home, or your next investment, the right loan makes all the difference.

Want to learn more? Reach out today!

Give us a call at 910-332-4040 or visit our website at NationalHomeFinance.com!

National Home Finance NMLS #1099098

08/26/2026

Thinking about purchasing a home or possibly refinancing your existing mortgage? Contact us for a FREE, no-obligation consultation. Even if you're not ready, we can help advise you to get you where you need to be when you are.

Want to learn more? Give us a call at 910-332-4040 or visit our website at NationalHomeFinance.com to speak with one of our loan officers! Consultations are always free and without obligation.

National Home Finance NMLS #1099098

08/24/2026

A cash-out refinance can give homeowners a way to access some of the equity they’ve built in their home.

Here’s how it works: you replace your current mortgage with a new, larger loan. The new loan pays off your existing mortgage, and you receive a portion of the difference in cash at closing.
Homeowners may use those funds for things like home improvements, consolidating higher-interest debt, education expenses, or other major financial needs.

There’s an important tradeoff to consider. A cash-out refinance changes your mortgage balance and may also change your interest rate, monthly payment, loan term, and closing costs. It makes sense to look at the full financial picture before deciding if it’s the right move.

Curious how much equity you have or what a cash-out refinance could look like for you? Give our team a call at 910-332-4040 or visit NationalHomeFinance.com and we can walk you through your options!

Joe Rumora NMLS #117426
910-352-6189

National Home Finance NMLS #1099098

08/21/2026

Your credit score can play an important role when it comes time to apply for a mortgage, and the habits that help strengthen it often start well before you’re ready to buy a home.

Here’s why these five habits can make a difference:

🔶 Pay your bills on time - Your payment history is a major factor in your credit score, so consistently making payments by their due dates can help build a positive credit history.

🔶 Keep credit card balances low - Lower balances can help keep your credit utilization down, meaning you’re using less of the total credit available to you.

🔶 Keep older accounts open - When it makes financial sense, maintaining older accounts can help preserve the length of your credit history.

🔶 Limit applications for new credit - Applying for several new accounts in a short period can lead to multiple hard inquiries and may temporarily impact your score.

🔶 Check your credit reports for errors - Reviewing your reports can help you catch inaccurate balances, unfamiliar accounts, or other errors that may be affecting your credit.

If buying a home is in your future, taking care of your credit now can help you prepare for the mortgage process later. Have questions about getting mortgage-ready? Our team is here to help!

Call us at 910-332-4040 or visit NationalHomeFinance.com today!

National Home Finance NMLS #1099098

08/19/2026

This is the kind of feedback that means so much to our team!

Buying a home comes with a lot of moving pieces, and having someone in your corner who takes the time to explain the process, answer your questions, and work alongside your real estate agent can make all the difference.

Amanda, thank you for trusting us with such an important milestone. We’re grateful we could help make the experience a positive one for you and your husband, and we’ll be ready to help again when the next home comes along!

910-332-4040
NationalHomeFinance.com

Marty DeJoseph NMLS #1132915
910-620-3407

National Home Finance NMLS #1099098

08/17/2026

Mortgage rates can change from one day to the next, and there’s a lot happening behind the scenes that can influence where they move.

Inflation, employment data, Federal Reserve policy, the overall economy, and activity in the bond market can all influence mortgage rates, which is why rates can move from day to day as new economic information comes in.

And the rate available to you has another layer: factors like your credit score, loan type, down payment, and overall financial profile can affect the options you qualify for.

There’s a lot more to mortgage rates than one number you see in the headlines. Our team is here to help you understand what the market means for your specific homebuying plans and talk through your options.

Have questions about today’s mortgage market? Give us a call at 910-332-4040 or visit NationalHomeFinance.com today!

National Home Finance NMLS #1099098

08/14/2026

Serving those who serve our country is something we are incredibly proud to do.

For eligible service members, veterans, and surviving spouses, VA loans can offer valuable home financing benefits, including the possibility of 0% down, no monthly private mortgage insurance, and competitive interest rates.

We work with military families throughout Eastern North Carolina and understand that military life can come with unique timelines, PCS moves, deployments, and plenty of questions along the way. Our team is here to help you understand your VA loan benefits and guide you through the process from pre-approval to closing.

You’ve served our country. We’d be honored to help serve you on your path to homeownership! Visit NationalHomeFinance.com or call us at 910-332-4040!

National Home Finance NMLS #1099098

08/12/2026

A lower monthly payment can give you more breathing room in your budget today, while paying your mortgage off sooner can reduce the amount of interest you pay over the life of the loan and help you build equity faster.

The right choice comes down to your financial goals, your monthly budget, and how long you plan to stay in the home! For some homeowners, keeping the monthly payment manageable is the priority. For others, putting more toward the principal and shortening the life of the loan makes more sense.

Which do you prefer?

There are several ways to structure a mortgage, and understanding how those options affect both your finances now and your long-term costs can make a big difference. Have a goal in mind? Talk with the team at National Home Finance and let’s look at what could work for you!

NationalHomeFinance.com
910-332-4040

Joe Rumora NMLS #117426
910-352-6189

Marty DeJoseph NMLS #1132915
910-620-3407

National Home Finance NMLS #1099098

Address

3205 Randall Pkwy, Ste/211
Wilmington, NC
28403

Website

http://nationalhomefinance.com/

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