Greensboro Mortgage Lender

FHA loans — Lower down payment and more flexible credit guidelines. A common fit for first-time buyers, and one of the loans most often paired with down payment assistance.

VA loans — For eligible veterans, service members, and surviving spouses. No down payment required for eligible borrowers.

USDA loans — No down payment for eligible buyers in qualifying areas, which in Guilford County generally means locations outside Greensboro city limits.

Conventional loans — For buyers with steadier credit who want flexibility on property type and mortgage insurance.

Jumbo loans — For purchases above the conforming loan limit.

Medical professional mortgages — Built for physicians and other medical professionals early in their careers.

Most Greensboro buyers qualify for more help than they expect. Jill starts every conversation by checking which programs you're eligible for, then builds the loan around them.

Housing Connect GSO — The City of Greensboro's homebuyer assistance program, offering up to $25,000 toward down payment and closing costs for buyers purchasing a primary residence inside city limits. It's generally open to first-time buyers and anyone who hasn't owned a home in the past three years, with income limits and a homebuyer education requirement. Assistance must be used with a city-approved lender, and Jill is on the approved lender list. She also teaches the Housing Connect homebuyer education class, so one person guides you through both the class and the loan.

NC Home Advantage Mortgage — The NC Housing Finance Agency's statewide program, pairing a 30-year fixed mortgage with down payment assistance. Available to first-time and move-up buyers who meet income and purchase price limits.

NC 1st Home Advantage Down Payment — Up to $15,000 for first-time buyers, military veterans, and buyers in targeted areas who qualify for an NC Home Advantage Mortgage. Structured as a deferred, forgivable second mortgage.

Some of these can be combined. Which ones stack depends on your income, the home's location, and the loan type — that's the part Jill works out with you on the first call.

See all Greensboro assistance programs

Buying with down payment help? Start with the Triad Down Payment Assistance Guide 2026.

Many assistance programs require a homebuyer education class before closing. Jill teaches the class for Housing Connect GSO, the City of Greensboro's program, so Greensboro buyers who work with her complete the requirement with the same person handling their loan. The class covers budgeting, the loan process, what happens at closing, and what it takes to keep a home once you own it.

Ask about upcoming class dates

• 30+ years originating mortgages in North Carolina
• More than $2 billion in mortgage loans originated
• Six consecutive Ameris Bank Mortgage President's Club awards (2020–2025)
• 2025: recognized as a top originator for the North Carolina Housing Finance Agency
• Preferred NC Housing Finance Agency loan officer
• Approved lender for Housing Connect GSO, and teaches its homebuyer education class
• Works directly with Greensboro real estate agents to keep assistance-backed offers on schedule

What clients say on Experience.com

"I always refer my clients to Jill when I can. Jill and her team do excellent work and always close on time! Jill teaches the down payment program classes and has extensive experience she can lean on in any situation." (Evan E R, Sept. 2026)

"They made my home financing experience very straightforward and efficient. They answered all of my questions and provided excellent information regarding my options." (Diane B, Aug. 2026)

4.94 average · 194 reviews on Experience.com (as of Sept. 30, 2026) → Read all reviews

Read client reviews

Jill Burgess, NMLS #100425 · Mortgages By Jill · Ameris Bank, NMLS #408099

Rated 4.94 out of 5 from 194 reviews on Experience.com, where she's in the Top 5%.

Greensboro (by appointment)

2711 Pinedale Rd, Suite A
Greensboro, NC 27408

Winston-Salem (main office)

3500 Vest Mill Road, Suite 1
Winston-Salem, NC 27103

(336) 740-9068
jill.burgess@amerisbank.com

Hours: Monday–Saturday 9:00 AM–7:00 PM · Sunday Closed · By appointment only. Greensboro office by appointment.

Also serving: Winston-Salem and High Point. High Point buyers: see High Point mortgage lender.

Do I have to be a first-time buyer to get down payment assistance in Greensboro?

Not always. Most programs count you as a first-time buyer if you haven't owned a home in the past three years, and some programs waive that requirement for veterans or homes in certain areas.

Can I use down payment assistance with an FHA or VA loan?

Often, yes. NC Home Advantage assistance can be paired with FHA, VA, USDA, and conventional loans. City programs have their own rules. Jill confirms what combines for your situation before you make an offer.

Does the home have to be inside Greensboro city limits?

For Housing Connect GSO, yes. State programs like NC Home Advantage are available statewide, so they can help if the home is elsewhere in Guilford County.

Who teaches the Housing Connect homebuyer class?

Jill does. If you're using Housing Connect GSO assistance, you can take the required class with her and have her handle your loan. Ask about the next class date when you call.

Do I need to be pre-approved before I start looking at homes?

It's a good first step. A pre-approval tells you your price range and which assistance programs you qualify for, which real estate agents will want to see before you make an offer.

Will using assistance make my offer weaker?

It doesn't have to. Assistance programs add steps, and a loan officer who uses them regularly keeps those steps on the seller's timeline.

One call covers your loan options and every assistance program you're eligible for.

Call (336) 740-9068 · Schedule a call

This page is for educational purposes only and is not a commitment to lend. Program availability, amounts, and eligibility requirements are set by the administering agencies and are subject to change. All loans are subject to credit approval.

Jill Burgess, NMLS #100425 | Ameris Bank, NMLS #408099 | Equal Housing Lender | Member FDIC. Mortgages By Jill is Jill Burgess's marketing and educational website; loans are made by Ameris Bank. Educational only, not a commitment to lend. All loans subject to credit approval.