Low Rates.
No Hassle.
Your local Waxhaw expert — serving all of North Carolina
Find out how Norma can help make qualifying for a low-rate mortgage genuinely easy — with one-on-one support the whole way.
About Me
I'm Norma, and I'm here to help.
You've heard the horror stories — how hard it is to qualify, the mounds of paperwork, the delays, and the haggling to get a decent rate. Good news: I'm here to make it all easier for you. Check out the reviews from other folks just like you and see how I can help.
Whether you're buying a home, refinancing for a better rate, or pulling some cash from your property — let's make this simple.
Norma Rowe
Client Stories
“Norma & team were Informative, patient, and efficient with our refinance process. Thank you!”
“Norma made my home buying experience so easy, as a first time home buyer I’m so glad she was there to help me.”
“Mrs Norma helped us get our first house! She was super helpful, handled everything for us all we had to do was sign papers. I would recommend cobblestone mortgage to anyone buying a home!”
“Norma was prompt, straight forward, and accurate. It was a pleasure to have her as our loan officer and we would certainly use her again. Our settlement lawyers also spoke very highly of her.”
“Our experience with Norma was fantastic from our first conversation through to closing. She was incredibly helpful, responsive and made the financing of our new home stress free.”
“Great experience and will definitely use again in the future for all lending needs.”
“The state of the real estate industry makes it hard to compete unless you have cash or Norma on your side. I have closed several loans with Norma and she is quick and helpful and delivers even when things got tough. Norma is one of the best in the business.”
“Highly recommend Norma and Cobblestone Mortgage. She made the process fantastically efficient and about as painless as you could hope. She is a consummate professional and was fully accessible to answer any questions or address concerns. We will most certainly using her services again when the time comes.”
Have questions about the process?
Let's have a conversation.
Every consultation is completely free, with no obligation — just straight answers about your options.
What I Do
A smoother path to your mortgage.
Real support at every step — so you always know what's happening with your loan.
Outstanding Communication and Follow-up
We keep you informed and return all emails and calls promptly, so you never have to wonder what's going on with your loan.
Professional Support
Count on us to be there with you and help you navigate the entire mortgage process — cutting through the red tape and avoiding the common mistakes people make.
Competitive Rates
We work with you to find the right program with a great rate and a transparent process, so you can rest easy.
Close Your Loan On Time
Not all lenders can close quickly or on time. We work closely with you through the process to meet every deadline and make sure your loan closes on schedule.
Client Stories
“Norma & team were Informative, patient, and efficient with our refinance process. Thank you!”
“Norma made my home buying experience so easy, as a first time home buyer I’m so glad she was there to help me.”
“Mrs Norma helped us get our first house! She was super helpful, handled everything for us all we had to do was sign papers. I would recommend cobblestone mortgage to anyone buying a home!”
“Norma was prompt, straight forward, and accurate. It was a pleasure to have her as our loan officer and we would certainly use her again. Our settlement lawyers also spoke very highly of her.”
“Our experience with Norma was fantastic from our first conversation through to closing. She was incredibly helpful, responsive and made the financing of our new home stress free.”
“Great experience and will definitely use again in the future for all lending needs.”
“The state of the real estate industry makes it hard to compete unless you have cash or Norma on your side. I have closed several loans with Norma and she is quick and helpful and delivers even when things got tough. Norma is one of the best in the business.”
“Highly recommend Norma and Cobblestone Mortgage. She made the process fantastically efficient and about as painless as you could hope. She is a consummate professional and was fully accessible to answer any questions or address concerns. We will most certainly using her services again when the time comes.”
Who We Help
The right guidance for your situation.
First Time Home Buyers
We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!
Move Up and Second Home Buyers
Buying a new home when you currently own one has it's own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you're buying a new primary residence or a second vacation home.
Refinancing Home Owners
If you already own your home but you are looking to refinance to either save money with a lower interest rate or possibly take some cash out for any reason, we can help you with that. We also can show you how to make sure you are structuring your new financing to get the best deal possible.
Investment Buyers
If you're buying real estate for investment purposes, we can help you secure financing to maximize your ROI.
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Other Resources You'll Find Helpful
Free guides to help you decide.
Looking for help with your down payment?
Let me share with you 3 government sponsored programs for buying a home with little or even no money down!
Download NowBuying a new home when you already own one?
If you are thinking about selling your current home and are looking at buying a new one, be sure to know this info.
Download NowWant to get a low rate when refinancing?
With these insider strategies you'll know what questions to ask to get the best offer from any lender (even me!)
Download NowWork With Us
Let's find out how I can help.
Your needs are unique — reach out however works best for you, and we'll find exactly how we can help.
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