Preferred NC Housing Finance Agency loan officer for Greensboro and the Triad
Greensboro Mortgage Lender
Buying a home in Greensboro usually comes down to two questions: which loan fits, and how much help is available for the down payment. Jill Burgess has originated mortgages since 1990, answering both for Triad buyers. As a preferred NC Housing Finance Agency loan officer, she works with the state and city assistance programs every week, and she teaches the homebuyer education classes many of those programs require.
Meet in person at the Greensboro office by appointment, or start with a phone call.
How to compare Greensboro lenders
No agency ranks mortgage lenders in Greensboro, and no list can tell you which one fits your loan. What you can do is check each lender the same way. Here's how.
1. Look up the loan officer on NMLS Consumer Access
Every mortgage loan officer has an NMLS ID. Search it on NMLS Consumer Access to confirm the person's registration or state license status, see which company they work for, and check where they can lend. Ask for the name and NMLS ID of the person who will actually handle your file, not just the company.
2. Read HMDA volume tables for what they are
Some lender lists you'll find online rank companies by how many loans they made. Those tables come from Home Mortgage Disclosure Act (HMDA) data. HMDA requires many mortgage lenders to report their applications and loans for each calendar year, and the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC) publish the data. (CFPB HMDA page)
Keep three things in mind:
- Public HMDA data is organized by company, not by loan officer. Lenders report each loan's loan officer ID, but that field is removed from the public data. A loan officer's loans count under their bank or lender. Jill Burgess's loans, for example, count under Ameris Bank.
- It looks back. Lenders report each calendar year's loans by March 1 of the next year, and the public data comes out later. The 2025 data was released June 23, 2026. Tables show past years, not this month.
- Loan count isn't fit. Volume shows how busy a company is. It doesn't show who will answer your calls, whether they know Housing Connect GSO and NC Housing Finance Agency programs, or what your costs will be.
3. Ask for Loan Estimates from more than one lender
After you apply, the lender must give you a Loan Estimate within three business days (CFPB; 12 CFR 1026.19(e)). Every lender uses the same standard three-page form, so you can lay them side by side. Generally, your loan can't close until at least seven business days after you get the Loan Estimate, and you must receive your Closing Disclosure at least three business days before closing. To compare fairly:
- Ask each lender for the same loan type, price, down payment and date.
- Compare the Loan Terms, Closing Costs and Cash to Close sections line by line.
- Look at Services You Can Shop For and ask who the lender usually uses.
4. Confirm the lender can use your assistance program
Down payment assistance (DPA) is a loan, not a grant, and only certain lenders can offer it. The City of Greensboro says, "To apply for homebuyer assistance, contact your approved lender." For Housing Connect GSO, ask whether the lender is on the current Housing Consultants Group (HCG) Participating Lender List. For NC Home Advantage programs, ask whether the lender appears in NCHFA's Find a Lender search.
5. Choose the person who explains the tradeoffs
Pick the loan officer who walks you through each estimate, tells you what they need and when, and stays with your file through closing.
Jill Burgess, NMLS #100425, is an NMLS-registered loan officer and VP, NC Mortgage Production Manager at Ameris Bank (NMLS #408099). Ameris Bank is the lender; Mortgages By Jill is Jill's educational and marketing site. Equal Housing Lender. Member FDIC. Down payment assistance is a loan, not a grant. This page is general information, not a commitment to lend or an approval for any program or funds. All loans are subject to credit approval and program guidelines. Program details change; figures are as of 2026-10-18. Phone: (336) 740-9068.
Choosing a mortgage lender in Greensboro: how to compare, and how Jill Burgess checks out
No agency ranks Greensboro lenders, so the fair test is the same checklist for everyone. Here's how Jill Burgess, an NMLS-registered loan officer (NMLS #100425) at Ameris Bank (NMLS #408099), measures up on it. For a Loan Estimate you can compare with others, call (336) 740-9068.
What to compare, and where to check it
| Criterion | Where to check it | How Jill answers it |
|---|---|---|
| NMLS record | NMLS Consumer Access | NMLS #100425, NMLS-registered, Ameris Bank (NMLS #408099) |
| Who handles your file | Ask for the loan officer's name and NMLS ID | Jill, by name |
| Costs | Loan Estimates, side by side (CFPB Loan Estimate explainer) | Ask for one at (336) 740-9068 |
| Assistance programs | HCG Participating Lender List, NCHFA Find a Lender | On the HCG 2026-2027 list and in NCHFA Find a Lender (ZIP 27408), as of October 18, 2026 |
| Reviews | Third-party review sites | 4.9/5 from 190+ verified reviews on Experience.com (checked 2026-10-18) |
This table compares criteria, not lenders. Use the same questions with every lender you talk to.
What clients say about Jill Burgess
Jill Burgess has 4.9/5 from 190+ verified reviews on Experience.com (checked 2026-10-18). Read every review on Experience.com.
Greensboro lender questions
Does anyone officially rank mortgage lenders in Greensboro?
No. No agency ranks mortgage lenders in Greensboro. The lists you see online usually rank companies by how many loans they made, using public HMDA data. That shows volume, not fit or service. To compare lenders fairly, check each loan officer's NMLS record and compare Loan Estimates for the same loan.
What is HMDA data, and why do lender lists use it?
HMDA is the Home Mortgage Disclosure Act. It requires many mortgage lenders to report their applications and loans for each calendar year, and the CFPB and the FFIEC publish the data. Lender lists use it because it's public. Public HMDA data is organized by company, not by loan officer, and it looks back: the 2025 data was released June 23, 2026. It shows volume, not fit or service.
How do I look up a loan officer's NMLS ID?
Search the loan officer's name or NMLS ID on NMLS Consumer Access, the free public lookup at nmlsconsumeraccess.org. The record shows their registration or license status, the company they work for and whether they're authorized to do business. Jill Burgess is an NMLS-registered loan officer, NMLS #100425, at Ameris Bank (NMLS #408099).
How many Loan Estimates should I get, and how do I compare them?
Get Loan Estimates from more than one lender. After you apply, each lender must give you one within three business days, and every lender uses the same standard three-page form. Ask each lender for the same loan type, price, down payment and date. Then compare the Loan Terms, Projected Payments, Closing Costs and Cash to Close sections line by line.
Can my lender use Housing Connect GSO or NC Home Advantage down payment assistance?
Only certain lenders can. For Housing Connect GSO, ask whether the lender is on the current Housing Consultants Group Participating Lender List. For NC Home Advantage programs, ask whether the lender appears in NCHFA's Find a Lender search. Jill Burgess is on the HCG 2026-2027 Participating Lender List (updated September 22, 2026) and in NCHFA's Find a Lender search for ZIP 27408, both checked October 18, 2026.
Is down payment assistance a grant?
No. Down payment assistance is a loan, not a grant. It's usually a 0% deferred or forgivable second mortgage. Each program sets its own terms, so ask your lender to explain when the loan is repaid or forgiven before you count on it.
How do I get a Loan Estimate from Jill Burgess?
Call Jill Burgess, NMLS #100425, Ameris Bank, at (336) 740-9068. Tell her the loan type, price range and down payment you have in mind, and whether you plan to use assistance. After you apply, you'll get a Loan Estimate you can compare with others.
Get a Loan Estimate you can compare
Call Jill Burgess, NMLS #100425, Ameris Bank, at (336) 740-9068, or start your application online: Apply Now.
Sources
- NMLS Consumer Access: Jill Burgess, NMLS #100425
- Ameris Bank, NMLS #408099
- CFPB: Home Mortgage Disclosure Act (HMDA); FFIEC HMDA platform
- CFPB: What is a Loan Estimate?; CFPB Loan Estimate explainer
- City of Greensboro Homebuyer Assistance Program (Housing Connect GSO)
- Housing Consultants Group 2026-2027 Participating Lender List
- NCHFA Find a Lender; NCHFA Lender Awards
- Jill Burgess on Experience.com
Program list status checked October 18, 2026. Related: Housing Connect Greensboro · Triad Down Payment Assistance Guide 2026
Jill Burgess, NMLS #100425 | Ameris Bank, NMLS #408099. Ameris Bank is the lender; Mortgages By Jill is Jill's educational and marketing site. Equal Housing Lender. Member FDIC. All loans are subject to credit approval and program guidelines. This page is general information, not a commitment to lend. Down payment assistance is a loan, not a grant. 3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103 | (336) 740-9068.