“You're either going to pay someone else's mortgage, or you can pay your own mortgage and build equity.”
Work With Alli
Apply online in minutes. Quick, secure, and guided every step of the way.
Begin Application →Schedule a free consultation about buying, refinancing, or your lending goals.
Pick a Time →Know someone who needs a mortgage? Send them my way and I'll take great care of them.
Refer a Client →Love the service? Show some love and help keep the momentum going.
Send a Coffee →Client Reviews
Read real reviews from homebuyers and realtor partners on Alli's Zillow lender profile.
Read Reviews on ZillowLoan Programs
DSCR loans in Charlotte, NC and beyond.
Learn More →Commercial real estate loans and commercial mortgages for investors and business owners: multifamily, mixed-use, retail, office, industrial, self-storage, owner-occupied, bridge and fix and flip loans.
Learn More →First-time home buyer in Charlotte, NC? Learn about FHA, conventional, VA and USDA loans, down payment assistance, pre-approval and closing costs with mortgage broker Alli Hilliard, NMLS #545835..
Learn More →Self-employed? Get a mortgage with bank statement loans, 1099 loans, P&L loans and other non-QM options.
Learn More →Going through a divorce? Get help with a spouse buyout refinance, removing a name from the mortgage, using alimony or child support income, and buying a home after divorce.
Learn More →Refinance your mortgage to lower your payment, shorten your term, remove PMI or take cash out of your home equity for debt consolidation or home improvements.
Learn More →Jumbo mortgage loans for luxury homes and high-balance purchases above the conforming loan limit.
Learn More →Want to buy a home but worried about your credit? Get a personal plan to improve your credit score and qualify for a mortgage, plus loan options for buyers rebuilding credit.
Learn More →Free Tools
Estimate your monthly payment with taxes, insurance, PMI and HOA.
Open Calculator →See what a 2-1, 3-2-1 or 1-0 buydown could cost and save.
Estimate a Buydown →Answers to the most common home buying and mortgage questions.
Read the FAQ →About
Specializes in: Commercial Lending, First Time Homebuyers, Divorce, Credit Repair and much more!
I was fortunate enough to have a Father who gave me a great foundation in real estate. I started in real estate around 20 years old working for a commercial developer. I've also worked as a banker, mortgage loan processor and assistant, real estate paralegal and much more!
I enjoy helping folks with their credit issues, helping them obtain a goal of homeownership for their family. My most rewarding closing was helping a young single mother become the first homeowner in her family back generations! It took us around 6 months, but with our teamwork together we got it done.
When you come to me for your financing, we become a team and with a team effort we will work to do whatever it takes to get you into your new home or refinance your existing one.
There currently is a lot of equity opportunity, and I can help you obtain cash out or a refinance if that's what you need. Ask me about a no appraisal loan!
Another specialty of mine is divorce. In working around mortgage and the legal field for 15 years or so, I've learned my fair share of processes and nuances.
Let me help you finance the home of your dreams and make the dream a reality to get those keys!
Book a Free ConsultationWhat I Offer
First-time buyer or seasoned investor, we find the right loan to get you into your dream home with confidence.
Lower your rate, reduce your payment, or tap into your home's equity. Ask about our no appraisal loan options!
From small business properties to large investments, we provide tailored financing solutions that grow with you.
With 15+ years in mortgage and the legal field, I understand the nuances of divorce proceedings and can help navigate your financing options with confidence.
Don't let credit stand in the way of your dream home. I love helping clients repair their credit and achieve the goal of homeownership.
Self-employed, high-balance, or outside the box? I have options beyond the standard loan.
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FAQ
A mortgage broker compares loan options from multiple lenders to find the right fit for you, instead of offering only one bank's products. Alli handles the process from application to closing.
Start your application online or book a free consultation. Alli reviews your income, assets and credit and gives you a pre-approval letter so you can shop with confidence.
It depends on the loan program. FHA loans are often more flexible on credit than conventional loans. Alli can review your credit and tell you where you stand.
A DSCR loan is an investment property loan that qualifies you based on the property's rental income instead of your personal income or tax returns.
Yes. Along with traditional options, bank statement loans, 1099 loans and P&L loans let self-employed borrowers qualify without relying on tax returns.
Yes. Alli helps investors and business owners with commercial mortgages for multifamily, mixed-use, retail, office, industrial and owner-occupied property, plus bridge, fix and flip and construction loans.
Yes. DSCR loans qualify on the property's rental income instead of your personal income, so tax returns usually aren't required.
Refinancing can lower your payment, remove mortgage insurance, change your term or give you cash from your home equity. Alli will compare your current loan to your options.
Closing commonly takes about 30 to 45 days after you're under contract, depending on the loan and how quickly documents come in.
Alli is based in Charlotte, North Carolina and is licensed in North Carolina, South Carolina, Georgia, Florida, Tennessee, Virginia, Ohio, Wisconsin and Texas. You can verify her licenses on NMLS Consumer Access.
Licensed in NC, SC, GA, FL, TN, VA, OH, WI and TX. Based in Charlotte and proudly serving Charlotte, Matthews, Mint Hill, Huntersville, Cornelius, Davidson, Mooresville, Concord, Kannapolis, Gastonia, Monroe, Indian Trail, Waxhaw, Pineville and the greater Charlotte area.
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