Your Mortgage Made Easy

Your Neighbors. Your Mortgage Broker.

Mathewson Mortgage Capital is the only locally owned mortgage broker in Shelby and Kings Mountain, NC  giving you direct access to dozens of lenders, better rates, and a team that actually knows your community.

Local Mortgage Experts Serving Shelby, Kings Mountain & Cleveland County At Mathewson Mortgage Capital, we're proud to be the only locally owned mortgage brokerage serving Shelby, Kings Mountain, and Cleveland County, North Carolina. When you work with a big bank, you're a number. When you work with us, you're a neighbor. As an independent mortgage broker, we have access to dozens of wholesale lenders which means more loan options, more competitive rates, and a mortgage that's actually built around your life. Whether you're a first-time homebuyer in Shelby, a veteran using your VA benefits in Kings Mountain, or a self-employed borrower who's been turned down elsewhere we find a way to get it done.

Mortgage Solutions for Every Buyer From your first home to your forever home, we have the right program and the local expertise to make it work. We specialize in a full range of loan products, including:

• FHA, VA, USDA, and Jumbo Loans including FHA loans in Shelby NC and VA home loans in Kings Mountain NC
• Conventional Home Loans
• Down Payment Assistance Programs
• Self-Employed & 1099 Income Loans
• Divorce Mortgage Planning Solutions
• ITIN & Non-QM Loan Programs

Our team walks beside you whether you're buying your first home, upgrading to your dream home, or refinancing to save money. We make the process simple, fast, and personalized to your needs.

Refinance & HELOC Options for North Carolina Homeowners Already own a home in Shelby or Kings Mountain? We offer competitive refinance options like:

• FHA Streamline & VA IRRRL
• Rate-and-term refinancing
• Cash-out refinancing
• Home Equity Lines of Credit (HELOCs) for renovations, debt consolidation, or life's unexpected expenses

We'll help you access your home's equity wisely with a plan that fits your financial goals.

Local Support You Can Trust At Mathewson Mortgage Capital, we go beyond the transaction. We offer divorce lending support to help Shelby and Kings Mountain clients refinance, buy out a spouse's share, or prepare to purchase after a major life change. Our focus is long-term: we want to earn your trust not just for today's mortgage, but for every future financial milestone.

How It Works 

 Pre-Approved in 4 Simple Steps 

Step 1  Apply Online: Complete our secure application in about 12 minutes from your phone, tablet, or computer. 

Step 2  We Shop Lenders: We compare rates across dozens of wholesale lenders to find the best mortgage rate in Shelby or Kings Mountain for your specific situation. 

Step 3 Get Pre-Approved: Receive your pre-approval letter often within 24 hours so you can make competitive offers with confidence. Step 4  Close & Move In: We guide you through every step to closing. Your loan officer is available by phone, text, or in person the entire way.

Community-Driven Mortgage Service We proudly serve:

Shelby, NC Whether you're a first-time buyer or refinancing your current home, our Shelby mortgage team delivers local knowledge and personal service you won't find at a national lender. We live here, we know this market, and we're invested in helping Shelby families build lasting wealth through homeownership.

Kings Mountain, NC From scenic parks to growing family neighborhoods, Kings Mountain is a place people love to call home. Our Kings Mountain mortgage specialists help residents buy, refinance, and build equity with loan options tailored to your needs and goals.

Cleveland County & Beyond We know this community because we're a part of it. Cleveland County residents count on us for honest advice, creative lending solutions, and a mortgage process that's as smooth as it is supportive.

Start Your Mortgage Journey Today Whether you're buying your first home in Shelby, refinancing in Kings Mountain, exploring a HELOC, or navigating the financial side of divorce, Mathewson Mortgage Capital is your local partner with national-level resources.

Based in Cleveland County, proudly serving all of North Carolina.

 Get pre-approved today. 

 Schedule a consultation with our team.  

Experience the difference of working with the only truly local mortgage brokerage in Shelby, Kings Mountain, and Cleveland County.