Western North Carolina Mortgage Lender | Judi Melton
Local Mortgage Guidance. Financing for Life’s Next Chapter.
Buying a home, building a new house, or investing in real estate is a big decision. Having the right mortgage professional can make the process easier to understand and help you move forward with confidence.
Your Local Mortgage Lender
My office is located in Swannanoa, right between Asheville and Black Mountain. While I’m proud to serve my local community, my mortgage lending services extend throughout Western North Carolina and every corner of the state.
Whether you’re buying in a familiar neighborhood or exploring a new community in the mountains or foothills, you can work with a mortgage professional who understands the region and takes the time to walk you through the financing process.
Communities We Serve
The Swannanoa Valley and Beyond
While I’m proud to serve my local community, my mortgage lending services extend throughout Western North Carolina, across the state, and beyond.
Areas I Serve in Western NC
I work with buyers and homeowners in these communities and everywhere in between.
Buncombe County
Black Mountain, Swannanoa, Asheville, Weaverville, Fairview, Leicester, Candler, Arden
McDowell County
Marion, Old Fort, Little Switzerland
Yancey and Mitchell Counties
Burnsville, Spruce Pine, Bakersville
Madison County
Marshall, Mars Hill, Hot Springs
Henderson County
Hendersonville, Fletcher, Flat Rock, Mills River, Gerton, Bat Cave
Polk County
Saluda, Tryon, Columbus
Rutherford County
Lake Lure, Chimney Rock, Rutherfordton, Forest City
Haywood County
Canton, Waynesville, Maggie Valley
Transylvania and Burke Counties
Brevard, Morganton
Don’t see your town? No problem, just reach out.
Mortgage Programs for Different Needs
Every buyer’s situation is different. Here are some of the loan options I can help you explore.
Home Purchase Loans
For first-time buyers, repeat buyers, and anyone moving to Western North Carolina.
Construction Loans
Build a new home with your builder, including on land you already own.
Manufactured Home Loans
Options for eligible manufactured homes and land-and-home purchases.
Conventional, FHA, VA and USDA
Programs with different down payment and eligibility rules, including loans for veterans and eligible rural areas.
Self-Employed and Bank Statement Loans
For business owners whose income doesn’t fit a traditional application.
Investment and DSCR Loans
Financing for rental properties, with options based on the property’s rental income.
Renovation and Refinance
Update your home, lower your payment, or take cash out for your next project.
Reverse Mortgages
For homeowners 62 and older who want to use their home’s equity, such as to stay in their home longer.
All loans are subject to credit approval. Not all applicants will qualify. Program terms, rates, and availability may change without notice.
Judi Melton NMLS #2178010 | All Western Mortgage, Inc. NMLS #14210 | Equal Housing Opportunity
Program availability and qualification requirements vary. I’ll help you understand which options are worth exploring for your situation.