Your go-to mortgage
loan originator in New Bern.
Ryan Jones lives and lends here. One call gets you a real person, a straight answer on what you qualify for, and a pre-qualification you can put in front of a seller.
Quote · No obligation · Takes about 2 minutes
A local lender,
not a call center.
He knows this market
New Bern, Pamlico, Pitt, Beaufort, Trent Woods, River Bend, Havelock, James City, Bridgeton and the rest of Craven County — appraisals, flood zones, and the agents you’re working with.
You call him directly
The number on this page rings Ryan’s line. No queue, no transfer, no re-explaining your situation to a new person.
In-house from start to close
Alpha processes, underwrites, closes and funds under one roof, so answers come back in hours instead of days.
Client review
“In summary, Alpha Mortgage and Ryan Jones delivered exceptional service under tight deadlines and complex requirements. Their ability to close within 16 days, while managing regulatory considerations and rental obligations, speaks to their expertise and commitment to client success. I would highly recommend them to anyone seeking a reliable and results-driven mortgage partner.”
18 years a Merchant Marine Now your Loan Originator
Coastal North Carolina, start to finish.
“I was born and raised on a small coastal island here in North Carolina. I’ve spent my life on water commercial fishing and then as a Merchant Marine for 18 years. This taught me the importance of hard work, integrity, and attention to detail. These traits have stuck with me in my career in the mortgage industry. My drive to be successful serves as a tool to provide you with the best service possible.”
Loan programs
Hover or tap a program to see how it works.
Every situation is different. Call Ryan for the details on yours.
Call Ryan · (252) 540-7837How it goes
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01
Call or send the form
Ten minutes on the phone is usually all it takes to know where you stand.
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02
Get your options in writing
Programs, payment estimates and cash needed to close — side by side, no jargon.
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03
Pre-qualified and shopping
Walk into showings with a pre-qualification letter in hand.
Talk to Ryan.
Fastest way is a call — he answers his own phone. Prefer to write it down? Send the form and he’ll call you back the same business day.
(252) 540-7837Common questions
Do I need perfect credit?
No. Qualification depends on more than a score. A call is the fastest way to know your options.
How much do I need down?
Less than many people think. Several programs offer low down payment options. Call Ryan to see which fit you.
Is there a cost to get a quote?
None, and no obligation to move forward.
How fast can I get pre-qualified?
Ryan can give you a timeline once he has your basic information.