Serving Charlotte. Building Futures.
I'm Jacob Shope, a captain with the Charlotte Fire Department and a licensed mortgage loan officer. I've built my career around one thing: showing up for my community. Whether I'm leading my crew on a call or helping a family find the right path to homeownership, I bring the same dedication to everything I do.
Captain, Charlotte Fire Dept.
Serving our community
NMLS# 2090979
Licensed & verified
Charlotte Metro & NC Statewide
Where you need me
5-Star Rated
Trusted by local families
Find the Right Loan for You
Conventional
Flexible terms and competitive rates for qualified buyers.
Learn MoreFHA
Lower down payment and credit requirements for first-time buyers.
Learn MoreVA
Zero down payment and no PMI for eligible veterans and service members.
Learn MoreUSDA
100% financing for homes in eligible rural and suburban areas.
Learn MoreJumbo
Financing for higher-priced homes beyond conforming limits.
Learn MoreRefinance
Lower your rate, shorten your term, or tap into your equity.
Learn MoreFirst-Time Buyer
Programs and guidance tailored to your first home purchase.
Learn MoreServing Charlotte, North Carolina, and Beyond
I proudly serve homebuyers across the Charlotte metro, throughout North Carolina and South Carolina, and in most states nationwide.
Why Charlotte Families Trust Jacob Shope
Community First
I serve Charlotte as both a fire captain and a loan officer. The same commitment to showing up for neighbors and families drives everything I do, whether on a call or at the closing table.
Wealth Through Homeownership
I believe in real estate as a tool for building generational wealth. I help families choose the right loan and plan so that homeownership works for their long-term goals, not just today.
Guidance You Can Trust
Transparent process, no hidden fees, and honest advice. I explain your options in plain language so you can make confident decisions about one of the biggest steps you'll take.
Meet Your Loan Officer
I'm Captain Jacob Shope, a Charlotte Fire Department captain and licensed mortgage loan officer. I've spent my career serving this community, and I bring that same dedication to helping families build wealth through homeownership.
Read My StoryWhat Can You Afford?
Use our calculators to estimate your monthly payment and see how much home you can afford.
Try Our Full Calculator SuiteWhat My Clients Say
"Jacob made our first home purchase straightforward and stress-free. He explained every step and got us to closing on time."
Sarah M.
Conventional
"As a veteran, the VA loan process can be confusing. Jacob walked us through it and we couldn't be happier with our new home."
James T.
VA Loan
"Refinancing with Jacob saved us money every month. Professional, responsive, and genuinely cared about our situation."
Jennifer L.
Refinance
Mortgage Tips & Charlotte Market Insights
Mar 2026
Step-by-Step Guide to Buying a Home in Charlotte
From pre-approval to closing day. What to expect when buying in the Charlotte metro.
Read MoreFeb 2026
First-Time Buyer Programs in North Carolina
NCHFA and other programs that can help you get into your first home.
Read MoreJan 2026
When Does Refinancing Make Sense?
How to decide if refinancing is right for you and how to run the numbers.
Read MoreReady to Get Started?
Whether you're buying your first home or refinancing, I'm here to help.