A local lending expert with a passion for North Carolina

He was responsive and knowledgeable about the process and did not hesitate to answer every one of my (many) questions. He was professional and kind and as a bonus, was able to offer me the lowest rate of any lender."

— Angela K.

As first-time home buyers, we were nervous and had many questions but Steve quickly became a trusted advisor throughout the mortgage process. We could not have asked for a better person to work with and have already recommended 7 Locks Lending to a couple of family members.”

— Kristian V.

Steve was great to work with! He was able to help my wife and me with finding a lender who would accept my wife's income since she is a traveling nurse. We truly appreciate Steve and all his efforts in making sure that we'd be able to secure our dream home!

— Travis T.

Always responded to my endless emails and phone calls even in the early evening. Found us a mortgage when my first broker told me that I will not be approved. Found us cheaper insurance. Very knowledgeable. Made the whole process less stressful. Was always looking for ways to lower the rates. I really recommend Steve and 7 Locks Lending.

— Nick M.

He was very responsive and always made time to ensure we understood everything throughout the entire process. Would highly recommend him!

— Zach B.

Steve made this ordeal progress smoothly with his communication, information, and reassurance. The rate he secured was the best out there, (I looked at many). I highly recommend Steve.

— Michael B.

Stephen locked me in for a much lower rate than I could find elsewhere and responds to both emails and calls within minutes, very pleased with the entire experience and will definitely work with you again. THANK YOU!!!

— Michael S.

He was a pleasure to work with — extremely responsive, knowledgeable, and proactive. We closed on time and without any issues. We have worked with several lenders over the years and Steve has been our best experience.

— Vikas J.

Let's face it, shopping for a mortgage is like car shopping. 7 Locks Lending cuts out the game playing. Stephen works with lenders, but work's for you. He takes the time to provide insight, education, all while providing a great service and finding, you, the best deal. I'd refer to my own mother.

— Greg and Beth P.

As a realtor, when I refer a client to Steve, I know they will be in good hands. He is patient and professional with my clients, and always keeps me informed. I know we won't have an issue in closing on time. Having a good lender/broker is so important in ensuring a smooth transaction.

— Judy W.

Steve made our first home buying experience really easy and stress-free. His rates were the best, and he was very informative of our options. We were grateful for his guidance.

— Danielle M.

Steve is extremely helpful and the most responsive broker I have ever worked with. He is very knowledgeable about the options available and found a better solution than we had anticipated. I would highly recommend him to anyone who is looking for a new mortgage or refinance.

— Sean E.

Throughout the entire process, Steve provided the very best up-close and personal services, and I always felt I was in good hands. In addition, Steve always made himself available for any questions that I had, and it was just comforting to go through the whole mortgage process with transparency and detailed understanding. Thank you!!!

— Joon K.

Steve made it easy and painless, going above and beyond, assisting me with another bank when I was trying to obtain a Home Equity line, and was always friendly, super-responsive. He obtained a better rate (after we had locked). A super approachable and great guy all around, I would not hesitate to work with Steve again!

— Maureen B.

Steve is the best! He is able to guide and give direction while still being able to answer all questions and explain every question you might have! He takes the time to explain everything very thoroughly but still makes everything easy to understand. From the moment we spoke on the phone I felt Steve had my best interest and I could trust him. 100/10 would recommend Steve and I personally do not want to work with anyone else!!

— Robert M.

My husband and I had such a pleasant experience working with Steve and his team. Steve was always available to answer our frequent questions and was incredibly timely with moving our lending process along. A day before our closing there were a few unforeseen roadblocks that occurred and Steve made sure to look out for us, have our best interest in mind, and ensure that we close on our house on time.

— Rebecca and Daniel G.

Steve was great to work with. He was engaged throughout the entire process and was always quick to respond to my questions and requests. I really appreciated his knowledge of the business and his ability to guide me on the best decisions for my situation.

— Derek S.

Steve was such a help with our home buying experience. He took the time to explain everything for us and answer all of our questions. He was readily available whenever we called or messaged and provided email reminders. I am so glad to have had him throughout the process. I would highly recommend using him!

— Hannah K.

Took me step by step through the refinance process. He was patient while we worked through everything; answered all my questions and kept all entities to task. Could not have asked for better assistance. Highly recommend 7 Locks Lending!

— Amy C.

Steve helped us refinance our house. During Covid times, the process was a lot more of a pain than it normally would have been. However, throughout the process, Steve was very responsive, honest, and super helpful. I would highly recommend Steve to anyone looking to refinance or get a new mortgage!

— Justin B.

Steve was absolutely amazing. I was referred to him by a colleague and I can’t say enough good things. From the start of the process, Steve was in constant communication with me. It was a 6 month ordeal and he always responded to my texts and picked up the phone. He went out of his way to make sure I got the best terms, the best deal, and to make sure I knew exactly what was going on. If you want someone who will actually provide value and be proactive, and give you that 1 on 1 boutique experience, than looking no further than Steve.

— Tim L.

Steve always had my best interest at heart. I couldn’t have made it through this entire process without him. So grateful for his knowledge, guidance, and support. Thank you, Steve, for everything

— Dracena Z.

We worked with Steve for home refinancing and were thoroughly impressed by the overall experience. Everything was very smooth; Steve was very knowledgeable and open to answering any questions we had. He helped us every step of the way and made everything as easy as possible. We definitely recommend working with Steve!

— Matthew R.

Stephen and his team have been very supportive both during and after (even a year later) the purchase of my home. Great resource and person/team!

— Brian H.

My wife and I could not have asked for a better experience working with Steve and his team. He was fully available to us and in constant communication throughout the entire process to answer questions, provide advice, and made us feel very confident that we were in good hands. He went out of his way to ensure that we got the best rate possible and that we were comfortable with all of the terms.

— Tyler F.