ebutler@houseloan.com
704-281-3822
Ed Butler
Buying a home or exploring a refinance? Connect with Ed to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Ed
Buying a home or building one is one of the biggest financial decisions most people will ever make. Every family, every Realtor, every builder, and every situation is different, which is why I’ve never believed in a one-size-fits-all approach.
For me, it always starts with a conversation.
I want to understand what you’re trying to accomplish, where you want to go, and what’s most important to you. From there, my role is simple: to help you navigate the path that gets you there.
Over the past 25+ years, I’ve had the privilege of helping thousands of families purchase homes, partnering with incredible Realtors and builders, and building successful teams throughout the mortgage industry. Those experiences have reinforced something I believe deeply:
Some of the best results come from working together.
Whether I’m working with a first-time homebuyer, a growing family, a home builder, a Realtor helping a client, or another Area Manager looking to grow their business, my approach is the same.
I listen first.
I communicate honestly.
I believe integrity matters, and that trust is earned through honest conversations, doing what’s right, and always putting people’s long-term success ahead of a transaction.
I believe great partnerships aren’t created through pressure or persuasion. They’re built through trust, shared goals, and conversations that define alignment.
My goal has never been to simply close another loan.
It’s to help people make confident decisions, navigate the process with clarity, and build lasting relationships with the families, Realtors, builders, and business partners I have the privilege of serving.
If we have the opportunity to work together, I hope you’ll always feel like you have someone you can call with a question, someone who genuinely wants to help, and someone who’s committed to helping you find the right path forward.
After all…
Helping people find their way isn’t just my philosophy. It’s why I love what I do.
What clients say about Ed
Easy process and good communication
Ed Butler and Christine Bender in particular took all of the stress out of the process with quick and personal answers. Also, being told the APP was the best way to apply and then having that be very intuitive and easy was a dream. It felt much more like walking this with friends than being mandated to reply.
Our experience in purchasing our new home was GREAT because of Ed Butler, Christine Bender, and the team at AnnieMac. All were unfailingly pleasant and helpful; easy to work with; and patient with our situation. We had worked with Ed Butler before, and knew that we could trust him and his team with the many details and transactions that go into purchasing a home.
Communication was clear and fast on what we needed to do. Ver ly friendly and helpful the entire time!
Ed and the whole team took their time with us to help ease our home buying purchase! Ed is very trustworthy, reliable, and flexible! He was there anytime we had questions! Treated us like family!
Ed your team did an outstanding job with our loan. The communication that we received was above and beyond what you would expect from a mortgage company. Great Job!
Ed and his Team are always responsive to my requests and communicate with me throughout the entire process. I highly recommend him and his Team!
Ed and Nicole were great . They were able to get my clients loan switched to movement when the other lender fell through! Great experienc!
We had another mortgage company attempt a bait and switch on us. Wasted about 2 months and then 2 weeks before closing said I wasn't approved for the loan I applied for. Movement jumped in and in 3 weeks, we closed on our home
Let’s connect
Contact Ed
Share a little about your plans and how to reach you.
Office locations
Suite 300
Raleigh, NC 27607
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Ed today.
