Mortgage Banking Industry, Business Done Right

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CHARLOTTE – Buying a home can be stressful and intimidating for many individuals with several questions regarding suitable loans, market trends, and individual financial needs. If this sounds familiar, meet Travis Underwood. He is an Independent Mortgage Broker with Future Home Loans, now ranking in the top 10 nationally. He has licenses contracted in Florida, Georgia, South Carolina, North Carolina, Virginia, and Tennessee. However, Underwood conducts most business locally in Charlotte and South Carolina.

Underwood thoroughly enjoys helping, educating, and guiding his clients toward better financial decisions for the future. He is known as the go-to guy who understands the complexities and fluctuations of finances that can vary individually. With over 20 years of experience in the Mortgage Banking industry, he has mastered maneuvering through unique financial plans and economic situations. He concentrates on areas not limited to new home loans, retirement, downsizing, or real estate investments.

Underwood has built his successful business through word of mouth and referrals, believing that in conducting good business honestly and doing the “right thing, you don’t need to advertise.” Also, he has been a member of the Mint Hill Chamber of Commerce since March 2022, passionately helping those in the community who want to buy a home through mortgage programs such as Conventional, JUMBO, VA, FHA, Investment, Self Employed, and New Construction financing options. Being a member of the Chamber has been a great way to network with other local business owners while getting involved in the community. Underwood’s mission is to “make sure people are getting the best use of their money” when considering working with a home lender.

Underwood uses a consultative approach to his business to understand the underlying details of each circumstance. He works with over 30 different lenders, which allows him to find the best mortgage program for the customer. He gains the advantage of watching lenders compete for the client’s business. As a result, he can negotiate lower rates than the big box lenders at lower closing costs. Therefore, understanding what is beneficial to withstand the fluctuating trends in the market, Underwood values having a “creative [mindset] and being able to help people find solutions.”

Underwood’s resilience sets him apart from other Brokers in figuring out the exact client need and “match[ing] that to a lender” who prioritizes meeting those expectations. Underwood applies an inclusive approach to finding clients the “best rate, the best program, best terms of the loan, and the best cost.” Additionally, he takes client relationships seriously to build trust, as he appreciates face-to-face interactions.

One of Underwood’s personal core beliefs is to be present within the community “whether it’s [getting] involved in sponsoring events, local charities, churches, or local outreach.” He stresses, “just get involved!” An upcoming event sponsored by Future Home Loans is the Great Commission 5k held locally by Mint Hill Arlington Baptist church on April 1, 2023. All proceeds collected will go to support missions in Elizabethton, TN, and Honduras. Underwood has mentioned he will also be participating in the run with his oldest daughter. If you would love to get in contact with Travis Underwood at Future Home Loans for all lending advice, please call (904) 607-5144 or e-mail

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