Consultation & Options

Take a few minutes to talk to one of our mortgage professionals. We need to understand what you want to accomplish and where you are in the process. Together we will tailor an option to best meet your goals while also remaining realistic to your individual situation. We will not set you up to fail.

Review & Process

After you have completed the Application we can lock your loan and order your appraisal. Although you are not required to lock-in your rate at this time we highly recommend it. It is one less variable to deal with during the process.

Underwriting & Closing

Your file will be submitted to our Closing Department as soon it has been cleared by Underwriting. There are very specific Disclosure Rules we must follow to be compliant and because of this it is very important to sign any preliminary closing documents as soon as we send them to you. Unfortunately, failing to do say can delay your closing.

What Do You Need Help With?

VA Mortgage

VA Purchase

Cash-Out Refinance

Mortgage Refinancing

Steve Doherty NMLS # 1769285

Loan Officer

more than just VA lending professionals

Advantage Lending is your one stop shop for all your home financing needs. We are locally owned & operated with all aspects of the mortgage process handled in-house. We control the process from beginning to end making our service unmatched.

  • VA Mortgages & Loans

  • VA Interest Rate Reduction Refinance (IRRRL)

  • VA Cash-Out Refinance

Get Started Today!


A streamline refinance is a special type of refinance that requires less documentation, but must adhere to strict rules. FHA, VA & USDA programs all offer a streamline option with varying benefits.


A VA loan is a top benefit of military service for eligible veterans, service members, and surviving spouses. It allows you to qualify for a low-cost mortgage when you’re looking to purchase or refinance, even if your credit isn’t perfect.


We are here to make sure your home financing needs are covered. Please don't hesitate to ask us questions!

Hear From Our Clients


I can not say enough about Steve and the others at Advantage Lending. The absolute greatest group of honest hardworking people I have ever had the pleasure to meet! I do not believe the homebuying experience can be done any better than this group. I would recommend them to ANYONE ANYWHERE!!!

James Marshall


As first time home buyers, my wife and I were a little nervous about the whole process. Steve and his team did a great job easing our concerns, educating us on the lending process, and answering all the questions we had. Steve's proactive communication and prompt response times helped make the whole process flow seamlessly. We would absolutely work with Steve and Advantage Lending again in the future.

David Jones


Steve is top-notch. He was able to answer all of our VA Loan questions and provide valuable insight, while remaining positive and available for us during time sensitive situations. His assistance allowed us to make the best decisions for our family, and I would recommend him to any of my friends or family. Thanks Steve!!

John Bailey

Frequently Asked Questions

What does a successful VA loan recipient look like?What does a successful VA loan recipient look like?

Veterans and service members will need to meet credit, income and other requirements set by the VA and the lenders that actually make these loans. There’s a range of steps veterans can take to put themselves in great position to maximize their VA loan benefits.

Can I buy a house with my VA loan if I'm overseas?

Yes, you can purchase a home using your VA loan benefits while overseas. Keep in mind there are some regulations in place to protect your personal information. Providing a power of attorney that can manage your home purchase while you’re away can help streamline the process.

Can I refinance my VA loan?

Yes, of course you can refinance your VA loan! There are several VA loan refinance programs available, including the cash out refinancing program as well as the streamline refinance option.

What is the monthly payment on a VA home loan?

Your VA loan monthly payment will vary depending on home purchase price, interest rate, down payment, credit score and even home location.


We are here to make sure your home financing needs are covered. Please don't hesitate to ask us questions!

NMLS # 1769285

7521-101 Mourning Dove Road, Raleigh, NC, United States, 27615

© Copyright 2023. Steve Doherty. All rights reserved.