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Looking to Purchase or Refinance?

Whether it’s your first loan or your forever loan, we have a product for you! We don’t believe in cookie-cutter loan programs. 

Let our Mortgage Planner’s design the perfect mortgage for you!

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Why Willow?

Willow was founded on two principles - providing the fastest and most seamless mortgage experience possible, while also bettering the communities in which we serve.

Years of Experience
8080+
5 Star Reviews
808080+

The Homebuying Roadmap

  • Step 1 | Pre-Approval

    The first step in your mortgage process is to speak with a mortgage consultant. They will guide you through the initial application and explain any documentation needed to find what you qualify for!

  • Step 2 | Shopping for a Home

    Now that you know how much home you can afford, it's time to start shopping! Your real estate agent will place you on a home search and start showing you homes.

  • Step 3 | Placing an Offer

    Once you find the right home, your agent will help you draw up the contract and send an offer to the seller. This is where negotiations begin!

  • Step 4 | Underwriting

    Now that you've got an accepted offer, the lender will begin finalizing the loan process. This is where the home is appraised and inspected and the underwriter reviews all information for your final approval. Don't be alarmed if they ask for updated documentation! This is completely normal - especially if you've been shopping for a while.

  • Step 5 | Closing

    Once all inspections are done and the underwriter has signed off on your documentation, your loan will be "Cleared to Close". The only thing left is to sign your closing paperwork with the attorney and move in!

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Ready to Get Started?

Click below to apply for a mortgage with Willow Home Loans Today!

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Excellent5.0★★★★★ Based on 119 reviews fromPaul CerrezinPaul Cerrezin ★★★★★ David SebranekDavid Sebranek ★★★★★ Russell and his team were fantastic to work with. Extremely responsive and made the process very easy. Highly recommended.Chad HendrixChad Hendrix ★★★★★ Great service, excellent communication, and even better transparency. The speed to closing is truly remarkable. Highly recommend.Response from the ownerThank you SO much, Chad! Congratulations to you both on a beautiful new home! Tyler YoumansTyler Youmans ★★★★★ I cannot recommend Russell enough. This individual will go above and beyond to actually care for and fight for the best possible outcome for you and your family when it comes to buying or selling a home. You will be hard-pressed to find someone as diligent and as efficient as Russell.Response from the ownerSincerely appreciate you! Brittany TrottaBrittany Trotta ★★★★★ I had an absolutely wonderful experience with Russell & Laura. They made the home buying experience smooth from beginning to end. Their communication was great, and they were so friendly. I appreciate Russell’s immediate attention to detail to streamline the process. I highly recommend the Grow Mortgage team, you will not be disappointed. They get it done!!!Grey MillsGrey Mills ★★★★★ Russell and Laura were fantastic to work with! They were in our corner every step of the way. If you are looking to get a mortgage I cannot recommend Grow Mortgage enough! I will also be using them to refinance down the line. Thank you for making the process smooth!Response from the ownerThank you SO much Grey! So happy for you guys! Lawrence SarpongLawrence Sarpong ★★★★★ Grow Mortgage is an amazing partner to work with when trying to secure financing for a home loan. The constant communication and expertise in macro-level economics causing fluctuations of rates by Russell and the team really helped to understand the market conditions. I can't say enough good things about Grow Mortgage. Russell has a customer for life in me! Thanks again for everything!Sarah CierskiSarah Cierski ★★★★★ Russell is the best of the best when it comes to mortgage brokers! As a realtor, I have worked with various loan officers but Russell truly stands out among the rest. He is knowledgeable, professional, and personable, which made it so easy to work with him. From my first phone call with him, Russell made it feel like we were on the same team with the common goal of getting our clients to the closing table. He did just that and in record time - 11 days from ratification to CTC! I will absolutely work with Russell again and highly recommend him and his team to anyone in need of a loan officer. Thank you Russell and Grow Mortgage!Response from the ownerThank you SO much for the kind words, Sarah!!! Ashley S_Ashley S_ ★★★★★ I closed with Russell a few weeks ago and my experience from beginning to end was fantastic. Russell knows the market, he knows the trends, and he’s VERY responsive. The immediacy of his communication helped me make quick bids for homes going off the market within 24 hours of being listed. Without Russell and my realtor’s help, I don’t think I would have snagged the beautiful home I got. Thank you Russell, and team!Beverly LBeverly L ★★★★★ The refinance process with Russell was seamless. We really appreciated his responsiveness throughout the entire process. He responded to my emails the same day and was very patient with all of the questions that I had. I would definitely use him again.Response from the ownerThank you so much for the kind words, Beverly!! Ryan EvansRyan Evans ★★★★★ Russell & his team help me save a deal at the last moment. They stepped in, completely underwrote the deal, and were able to provide the clear-to-close in record breaking time all while being transparent, responsive and respectful. Because of them, my client was able to purchase their first home on-time with no issues and my client even got a better rate!Definitely a great experience all around! Thanks again, Grow Mortgage!Response from the ownerThanks so much, Ryan!! Couldn’t have done it without your team work! Sophie SamraSophie Samra ★★★★★ Russell is PHENOMENAL! I received his contact information from a friend who swore he was the absolute best and she was 100% right. He helped us purchase our home in July and as first time home buyers, we had plenty of questions. Russell answered every question kindly, promptly, and with a smile. He never made us feel like any question was a stupid question and he educated us on exactly what we were doing every step of the way. Sometimes we still have questions and text him, and he replies right away. I can’t say enough good things about Russell. Do not look anywhere else, work with him asap! Thank you russell for everything!Response from the ownerSincerely appreciate you guys trusting me with your new home purchase!! Thank you SO much for the kind words! Ryan ParentRyan Parent ★★★★★ Russell Petty and the team over at Grow Mortgage are absolutely PHENOMENAL! I’m a real estate agent here in Charlotte and I refer every client of mine over to him whether they are pre-approved or not! 10 out of 10 times they choose to work with Russell because he’s responsive day or night 7 days a week, extremely knowledgeable and answers any and all questions free of judgement. He has saved a few of my clients (“approved” by other lenders) closings from falling through in the 11th hour and even saved my last client over $20,000 in closing costs! I recommend Russell and the team at Grow to anybody whether you’re a first time home buyer, an investor looking to expand your real estate portfolio or even looking to refinance! He’s the best in the business!Response from the ownerThank you so much for the kind words, Ryan! We always love working with you and your clients!! Kyle MillerKyle Miller ★★★★★ Loved working with Russell and team!Response from the ownerThanks Kyle!! Colleen OlszewskiColleen Olszewski ★★★★★ Shannen DeeterShannen Deeter ★★★★★ Great customer service. There are people available to help almost all the time and they will answer any questions you have. The process was smooth and efficient. I would recommend them.Response from the ownerThank you so much Shaneen!! Jess DiazJess Diaz ★★★★★ Russ and his team made our first home buying experience go smooth and stress-free. He was very helpful and knowledgeable throughout the entire process. Thank you GROW mortgage for helping us make our dream of owning a home come true!!!Response from the ownerWe sincerely appreciate you guys!! CONGRATULATIONS on your new home! Janet RogersJanet Rogers ★★★★★ From the initial contact, Russell Petty was professional yet personable. He was concise with information and expedient with answers to say what would work or not. He presented options for. my consideration until I found the “right fit” in mortgage loans. Finally, Russ followed me through the mortgage loan process until the last hour and beyond. Please know that I would recommend Russ and his Team at Grow Mortgage to anyone who is seriously interested in Home Ownership.Mark McCoyMark McCoy ★★★★★ I must say that I have never had someone be more on top of their customer service from a distance than Russell. He was always answering his phone calls, if not, he would text me right away and let me know he would be calling me back soon. He helped make the process of completing my mortgage process so simple and easily understood. I work as a realtor and this was my own home purchase and will for sure encourage anyone looking to purchase, to reach out to him and give him a chance to help them in this process. Much appreciated!Response from the ownerSincerely appreciate you guys working with us on this! CONGRATULATIONS on your new home!! Brandon EbbenBrandon Ebben ★★★★★ Working with Russ has been an absolute pleasure in the whole home purchasing experience, Russ is not only efficient at what he does but he is very knowledgeable in all the areas you may have questions about when buying a home. This is just one of a few we have done with Russ and any future purchases will be with Russ. 5 star all round.Response from the ownerBrandon, thank you so much for the kind words! Always a pleasure! Amber BuckAmber Buck ★★★★★ I had such a great experience with grow mortgage. They were very helpful and very fast at getting back to me with all the answers to my questions . Will definitely be recommending them to people I know!!! Thanks again Russell and laura for being so awesome!!!!Response from the ownerThank you so much Amber! It was our pleasure. Congratulations on your new home!! charmaine ebbencharmaine ebben ★★★★★ Always a pleasure working with Russell and his team! They communicate through the whole process and offer so much value with their knowledge! I would highly recommend Grow Mortgage!Response from the ownerSincerely appreciate you, Charmaine! Always a pleasure!! Alice KisubikaAlice Kisubika ★★★★★ Professional, great rates, up to the point and quick to respond!Absolute pleasure working with Mr. Petty!!!Response from the ownerThank you so much, Alice! Congratulations to you and Joel on your new home!! Esteban PeñaEsteban Peña ★★★★★ I have been in the real estate industry for about 8 years and I have never met a loan office that will go above and beyond for clients and realtors. Russell is always available, patient, very knowledgeable and explain the loan process step by step. Russell’s team is one of the best in the industry working very diligently to always meet the date lines. His hard work it’s really showing his success, Grow Mortgage is the very first company I would recommend to all my buyers when thinking in buying their first or next home. Thank you Russell Petty and team at Grow Mortgage for an extraordinary team work. Esteban Peña/eXp RealtyResponse from the ownerEstaban, thank you so much for the kind words!! It’s always a pleasure helping you and your clients! Kathy YoungsKathy Youngs ★★★★★ I can’t begin to express how helpful Russ was with me, my husband and my mom. Mom moved down to live with us from NY and we needed to find a roomier house with a bedroom and full bathroom on first floor. He was very patient while we found the right house. He was great with our many questions and always took the time to answer them quickly, yet thoroughly. When I told my friends and family that we were able to close on our new home within 2 weeks, no one could believe it. Well believe it, he got it all done in 2 weeks! I can’t recommend Russ and Grow Mortgage enough.Response from the ownerThank you so much for the kind words, Kathy! We LOVED working with you all! Jade PoorJade Poor ★★★★★ We switched to Russell after high closing charges from our previous lender. Russell made our loan process effortless from there on out. All in all he ended up saving us over $7,000 and .5% interest rate! Truly amazing!Response from the ownerThank you guys so much for working with us on this!! CONGRATS on your new home! Ingrid LealIngrid Leal ★★★★★ I recently was a customer of Grow Mortgage I like to express that it was a great honor to have worked with you company. The process was fast, simple, and very professional. At this time I would like to thank Mr. Russell Petty and his team for providing excellent services and great insight as my loan was being process. Mr. Russell Petty and his team showed great leadership and distinguished knowledge which me during all the time of process. I would definitely recommend Grow Mortgage to any one interested in buying property. I am truly happy and feel accomplished to say that you have made my dreams come true. Thank you very much for helping me buy the house of my dreams.Response from the ownerIt was our pleasure and THANK YOU for trusting us with your purchase! CONGRATULATIONS on your new home! Bruce HandyBruce Handy ★★★★★ Response from the ownerThank you Bruce! Congratulations on your new home!! Ryan SRyan S ★★★★★ Russell was extremely patient and understanding of my situation. Gave me the in's and out's and provided all the information I needed to make the best decision extremely quickly. Thank you for your help.Response from the ownerThanks so much Ryan! Congratulations on your new home!! Nichole HylandNichole Hyland ★★★★★ Amazing Knowledgable lender. Always available to answer questions and help in any way possible. Fast, responsive and reliable!Response from the ownerThanks so much Nichole! Always a pleasure working with you Brent HollowayBrent Holloway ★★★★★ Russell and his team were great to work with. They were very professional, easy to work with, and very responsive.Response from the ownerThanks so much Brent! It was great working with you all on your purchase, congratulations and please let me know if you need anything! Rian GeldenhuysRian Geldenhuys ★★★★★ Excellent communication from start to finish. Communication was proactive and timely. We were kept updated every step of the way and questions were answered quickly and thoroughly. Buying a house can be a stressful process in general, so Russell Petty's quality service put us at ease. thank you!!!Response from the ownerThanks so much, Rian! Thank you for working with us on this and congratulations to you guys on your new home!! Anne StaufferAnne Stauffer ★★★★★ Ditto Steven Hunt below. Can’t say it any better than he did. Russell is your only choice, honestly. And, ours was a mortgage, not a refi. Same result. Impeccable.Response from the ownerThanks so much, Anne! We really appreciate you guys working with us on this and CONGRATULATIONS on your new home!! Joe MassucciJoe Massucci ★★★★★ Russell was phenomenal! He walked my wife and I through everything step by step, was so patient and courteous as well as professional. I can’t say enough about our experience with him and we will recommend Russell to everyone that needs this service! A+++ 5 starResponse from the ownerThanks so much, Joe! Congratulations to you and Rachel on the new home! jerry stricklandjerry strickland ★★★★★ Not only did they handle my business quickly they also did it paperless which alone speeds up the process and saves paper.Response from the ownerAlways a pleasure working with you, Jerry!! Steven HuntSteven Hunt ★★★★★ Russell made our experience so easy and was super responsive at any time of day. He really was so great and I cannot think of any reason why anyone wouldn't make him your top choice. Buying or refinancing a home can be stressful and intimidating but Russell made our refinance truly stress free. I also work odd and long hours and he and his team made time for us even late at night. If you are looking for a Mortgage Banker, let me save you the time and just choose Russell and his team. You will not regret it.Response from the ownerThanks so much for the kind words Steven, it was a pleasure working with you both!! nogui solano palermonogui solano palermo ★★★★★ Fantastic experience working with Russell, Laura and the Liberty Home Mortgage team. The process of buying a home that can be very stressful, they made it look very simple by being responsive and finding outside the box solutions. I am truly grateful for their service and look forward to doing business again with them in the near future.Self-Mastery MentorSelf-Mastery Mentor ★★★★★ Russell and Laura have provided me with both of my home mortgages over the years and have assisted in my transactions in a very prompt, professional, respectful and diligent way. Their service is top of the line and really makes a difference in the home-buying experience. I would recommend Russell and his team to everyone I know. Their service cannot be beat.Response from the ownerThanks so much for the kind words April!! We are so happy for you, congratulations on your beautiful new home! Alan ShubinAlan Shubin ★★★★★ Russell was recommended to us by a neighbor. We were completely satisfied with our refinance experience. Russell got us a great rate and both Russell and Laura were super responsive to questions and concerns. From the initial application, to closing, to load funding the process went very smoothly. We would recommend them highly.Response from the ownerThank you so much for the kind words, Alan! It was a pleasure working with you and Janice! Derrell ClarkDerrell Clark ★★★★★ Russell was incredibly attentive and provided answers to all of our questions quickly. Buying a home is no small feat with all the hoops to jump through, but having Russell on our side made it as smooth as it possibly could have been.Response from the ownerThanks so much for the kind words, Derrell! Congratulations to you both on your beautiful new home! Susie JonesSusie Jones ★★★★★ Russell and Laura Petty were awesome to work with! I had been struggling for months to complete a refinance with another company. Russell took over and completed the entire process in two weeks! Every time I had a question or concern, I was answered immediately. He put my mind at ease and took care of everything!Response from the ownerThank you so much for the kind words, Susan! We are so glad to get this wrapped up for you!! Jeremy MassucciJeremy Massucci ★★★★★ Russell and the entire Liberty team made our home-buying process such a breeze; all in the midst of one of the toughest housing market periods. The team was beyond responsive, keeping me up to date every step of the way. They provided guidance on certain options that helped shape the best possible deal. Closing was done ahead of schedule and I couldn't be more happier. This is my 2nd loan with the team and would not ever think of using anyone else!Response from the ownerThanks so much, Jeremy! It was a pleasure working with you and CONGRATS on your new home!! David Upchurch Real EstateDavid Upchurch Real Estate ★★★★★ I am in the Real Estate business so I come across Loan Officers and Mortgage companies all day everyday. Not only is Liberty Mortgage doing it the right way they are doing it with the lowest fee and RATES in the business. As far as Russell as a loan officer, again I come across them everyday all day. He will respond to a text, email or call anytime (even when he should NOT be working). His knowledge of the loan program that are out there is unbelievable. He truly wants to understand what your family's needs are and tries to fit you into the BEST program for your goals. A++++++Response from the ownerThank so much, David! We couldn't do it without fantastic agents like you guys. If anyone is reading this and needs an agent in Union County, call David & his team! Jeremy FosterJeremy Foster ★★★★★ From start to finish the process was painless and streamlined. Russel was incredibly communicative and always available for questions. Russel and everyone on the team went out of their way to move out closing date up and save us money. As far buying a home goes this was as easy and quick as it gets.Response from the ownerThanks so much for the kind words, Jeremy! I’m so glad we were able to get the closing date moved up for you guys. It was a pleasure working with you both! Please let us know if you need anything and congrats on the new home! John PalumboJohn Palumbo ★★★★★ This is the second time I have used Russell Petty for my mortgage needs. He has always gone above and beyond of what is "Required" and it is appreciated. Rissell takes the time to get to know you and your situation and recommends the best approach for you only. I would HIGHLY recommend Russell Petty and you should too. Thanks Russell!Response from the ownerThanks so much, Eugene! It's always a pleasure working with you! S LernerS Lerner ★★★★★ Russell was AMAZING!!We were initially in touch with other mortgage brokers who all seemed the same: Gave us a strict list of what *they* want, on *their* timeline, before they even speak with us.Russell was the opposite. He first listened to us.We are both self employed/ sole-proprietors so we didn't have the 'classic' documentation other clients may have. He understood our circumstances and worked with several underwriters to find us the best mortgage in accordance with what we have to show. Needless to add, he also got us a remarkable rate (when other brokers started off by stating self-employed means higher rates).We can't thank him enough.Response from the ownerThank you guys so much for working with us! And CONGRATS on the beautiful home! Scott MesarosScott Mesaros ★★★★★ I cannot stress how friendly, helpful, and professional this team is. We had a complicated purchase, and they figured everything out for us with very little stress on us. When I say complicated, that is an understatement, but they worked hard to help us get our property closed. I highly recommend Russel and Laura, and will absolutely use them again in the future!Nikki ElstonNikki Elston ★★★★★ Russel and Laura at Liberty Home Mortgage were friendly and helpful. Once the refinance got moving, it went quickly. If I had a question it was answered quickly. Most everything was completed via email, docusign, and phone. When it was time to close the notary came to my house (masked) at the time that worked for me. I got a great rate. Would recommend and use again.Response from the ownerIt was a pleasure working with you, Nikki! Thank you so much for the kind words! Timothy BakerTimothy Baker ★★★★★ Russell and his team were great. They answered all of my questions and helped me through the entire refinance process. I learned the hard way NOT to use a big-box lending website. You get a much more satisfying experience when you use a smaller group like Russell Petty. Thanks everybody!Danell FoxDanell Fox ★★★★★ Russell and his team were very helpful throughout the entire mortgage refinance process. We were pleased with the responsiveness and all interactions with this team of professionals. I’ve purchased 2 homes and have went through several refinances and this was by far the lowest closing costs in my experience. We highly recommend this company,Response from the ownerThanks so much Danell! It was a pleasure working with you guys! js_loader
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1000 NC Music Factory Blvd
#C4
Charlotte, NC 28206

Hello@WillowHomeLoans.com

(980) 221-2592

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Willow Home Loans LLC. NMLS# 2322797 | NC, SC, FL, OH, KY, WI, MN, TX, TN, PA, VA, IN, CO NMLS# 2322797 www.NMLSConsumerAccess.org

*FOR TEXAS CONSUMERS ONLY:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND ACOMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINTFORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’SWEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUNDMUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

The content provided within this website is presented for information purposes only.    This is not a commitment to lend or extend credit.  Information and/or dates are subject to change without notice.  All loans are subject to credit approval. As a result of refinancing total finance charges may be higher over the life of the loan. Other restrictions may apply.