7 Locks Lending — Mortgages & Refinancing

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    Mortgage Brokers

    Cary, NC

    7 Locks Lending, led by mortgage advocate Steve Wingerter, specializes in home purchase mortgages and refinancing throughout North Carolina. They offer a comprehensive range of loan programs including conventional, VA, FHA, USDA, Jumbo, and non-traditional options (bank statement loans), plus first-time buyer programs with down payment options as low as 1% with grants. Beyond mortgages, 7 Locks connects clients with trusted local professionals including financial advisors, CPAs, realtors, and home service providers, and provides ongoing support through annual reviews, refinancing opportunities, and PMI removal strategies.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes

    Ideal for: First-time homebuyers, self-employed and non-traditional income borrowers, refinancing homeowners, investors seeking investment property financing

    Service area: Cary, NC and throughout North Carolina

    What Sets 7 Locks Lending — Mortgages & Refinancing Apart

    Multiple Lender Access: Works with top-tier wholesale lending partners to shop the market on your behalf, securing competitive rates and loan programs tailored to your specific needs rather than forcing you into limited options.

    Low Down Payment Options: Offers down payment solutions as low as 1% with grant programs and 3% conventional options, making homeownership accessible to first-time buyers who don't have 20% saved.

    Long-Term Partnership Approach: Stays connected with clients through annual reviews, proactive refinancing opportunities, and connections to trusted local professionals—treating the relationship as ongoing guidance rather than a one-time transaction.

    First-Time Buyer ProgramsRefinancingVA LoansFHA LoansJumbo LoansFast Pre-ApprovalAccess to Multiple Lenders
    Mortgage BrokerHome PurchaseRefinancingFirst-Time BuyersVA/FHA Loans
    Google Rating
    5.0 ★ (78 reviews)
    Phone
    (919) 412-5375

    Location

    Address: 15000 Weston Pkwy, Cary, NC 27513

    Phone: (919) 412-5375

    Website: 7lockslending.com

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    Last updated April 16, 2026

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