Jeff & Amy Reeves — a husband-and-wife team locally based in the NC High Country. We live here, work here, and know this market. Mountain properties come with unique challenges, and we know what it takes to get them closed.
Second Homes
High Country Roots
Mountain Living
Investment Properties
All Four Seasons
About Jeff & Amy Reeves
Jeff Reeves is the branch manager and a top producer at Fairway Home Mortgage, working alongside his wife and partner Amy. Together, they've built their practice around one thing: knowing what it takes to get loans closed in this market.
High Country properties come with situations that lenders from outside this area simply aren't prepared for — spring-fed wells, shared wells, private road maintenance agreements, round houses, POA structures, and unique short-term rental properties. These are everyday here. Lenders without local experience will often deny a perfectly good loan just because they don't know what they're looking at.
Jeff and Amy have closed loans on all of it. That experience is what gets deals to the closing table that other lenders can't figure out.
Meet the Team
A husband-and-wife team backed by an experienced support staff — committed to getting your loan closed the right way.
Loan Solutions
Whether you're buying your primary home, a second home in the mountains, or an investment property — Jeff & Amy have options built to fit your situation, not the other way around.
Conventional, FHA, VA, and USDA loans for the home you'll call home. Flexible programs and straightforward process.
Financing the mountain cabin or vacation retreat you've been dreaming about. Jeff & Amy know High Country properties inside and out.
Grow your portfolio with the right financing — including DSCR loans that qualify based on property cash flow, not your personal income.
Navigating your first purchase is easier with a local specialist. Jeff & Amy walk you through every step and maximize every program available to you.
If your income doesn't fit a standard W-2 box, there are still great loan options. Bank statement loans and Alt-Doc programs available.
Lower your rate, reduce your term, or tap equity you've built. Jeff or Amy will run the numbers and tell you if it makes sense — straight up.
First-Time Homebuyer Programs
North Carolina has one of the best first-time buyer programs in the country — and Jeff & Amy are preferred lender. Here's what's available to you right now.
The NC Home Advantage Mortgage™ provides eligible first-time and move-up buyers with stable, fixed-rate mortgages and down payment assistance of up to $15,000. Jeff & Amy are preferred NCHFA lender — he knows this program inside and out.
Buying your first home doesn't have to be overwhelming. Here's the simple version of how it works with Jeff & Amy:
Takes about 30 minutes. Jeff or Amy reviews your full picture and tells you exactly what you qualify for.
Shop with confidence knowing your budget and your approval letter is ready to go.
Jeff and Amy handle the details. You'll always know where things stand, no surprises.
Investor & Non-Traditional Lending
Not every borrower — and not every deal — fits a conventional loan box. That's where Jeff & Amy specialize. High Country investors and self-employed borrowers have options.
Debt Service Coverage Ratio loans qualify based on the property's rental income — not your personal tax returns. Perfect for investors who own multiple properties or whose income doesn't reflect their actual cash flow.
The High Country short-term rental market is strong. If you're buying a cabin to rent on Airbnb or VRBO, a DSCR loan may be your best path.
Own your own business? Your tax returns may show far less than you actually earn — by design. Bank statement loans use 12 or 24 months of deposits to qualify instead.
Jeff & Amy have access to flexible bank statement programs and know how to structure these loans to get to the closing table.
Mortgage Tools
Get a quick estimate of your monthly payment. Then call Jeff or Amy — they'll give you the real number with actual current rates.
The calculator above gives you a ballpark. For a real number with today's actual rates, your credit profile, and the right loan program for your situation — call or text Jeff at (336) 554-5009 or Amy at (704) 614-5727 directly.
Jeff or Amy will walk through your full picture and tell you exactly what you can expect at closing.
Payment estimates are for illustration only and do not constitute a loan commitment or guarantee of any rate or terms. Actual payment will vary based on credit score, loan program, property type, and current market rates. Contact Jeff or Amy Reeves for an official loan estimate.
Frequently Asked Questions
Straight answers to the questions Jeff & Amy hear most.
Usually same day or next business day once we have your application and supporting documents. The actual pre-approval conversation takes 30 minutes or less. They'll tell you your number, your payment range, and what programs you qualify for — right then.
It depends on the loan type. FHA loans typically require a 580+ score with 3.5% down. Conventional loans usually start at 620. VA loans are flexible. And Non-QM/bank statement programs have their own requirements. If your score isn't where it needs to be, Jeff or Amy can connect you with resources to get there.
Less than most people think. VA loans require zero down for qualified veterans. USDA Rural loans are also zero down in eligible areas. FHA requires 3.5%. Conventional loans have 3% options. And the NCHFA program can provide up to $15,000 in down payment assistance for first-time buyers. Your situation determines the best path.
Yes — and Jeff & Amy do these regularly. Second home financing in the High Country involves understanding things like shared wells, POA structures, and unique mountain property types. He's done hundreds of these and knows the quirks that trip up lenders from outside the area.
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income of the property you're buying — not your personal income or tax returns. If the property can generate enough rent to cover the mortgage payment, you may qualify. It's ideal for investors, especially those buying short-term rentals in the High Country.
Absolutely. Jeff & Amy have specific programs for self-employed borrowers, including bank statement loans that use 12-24 months of deposits to qualify instead of tax returns. If you've been turned down elsewhere because of write-offs or business income complexity, there's likely a better option available.
Jeff & Amy's primary focus is the NC High Country — Boone, Blowing Rock, Banner Elk, West Jefferson, Jefferson, Newland, Sparta, Beech Mountain, Sugar Mountain, and all the surrounding mountain communities. He's also licensed in South Carolina, Virginia, Tennessee, Georgia, and Florida, so he can help if you're looking outside the mountains too.
Jeff and Amy are in this market every day. They know the realtors, the properties, the quirks, and the local programs. When a deal gets complicated — and mountain deals sometimes do — Jeff & Amy don't disappear. They've been the team who stepped in when another lender couldn't close. They're responsive, direct, and won't waste your time.
Client Reviews
Real feedback from real High Country homebuyers and investors.
Jeff took my call on a weekend and had me pre-approved that same day. That kind of responsiveness made all the difference when we were trying to move fast on a property.
This was a fairly complex transaction and Jeff and Amy made it feel manageable every step of the way. They kept us informed and found a solution when we needed one most.
Jeff and Amy were wonderful from start to finish of my home-buying journey. Very knowledgeable, always responsive, and genuinely invested in getting us to closing.
Very easy to work with as a first-time homebuyer. They explained everything clearly and never made me feel like I was asking too many questions.
Jeff and Amy both worked hard to find a solution when things got complicated. Quick responses, great communication, and they genuinely know this market.
Great communication throughout the entire process and always available when I had questions — even during late hours. Highly recommend Jeff and his team.
Named among the nation's elite originators by Scotsman Guide — the mortgage industry's most respected ranking.
.png)
Get in Touch
Call, text, or email Jeff or Amy directly. You'll get a real person — not a call center — and a straight answer about what you qualify for.
Ready to apply? Start your secure online application through Fairway's platform.
Apply NowBy entering your contact information, you are providing express written consent for Fairway Independent Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
Our Community
Proud members of the communities we serve.
*VA: A down payment is required if the borrower does not have full VA entitlement or when the loan amount exceeds the VA county limits. VA loans subject to individual VA Entitlement amounts and eligibility, qualifying factors such as income and credit guidelines, and property limits.
*USDA: USDA Guaranteed Rural Housing loans subject to USDA-specific requirements and applicable state income and property limits.
*Down Payment Assistance: Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits.
