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With 27+ years in the mortgage industry, Ira Hines is a trusted mortgage professional dedicated to helping homeowners and buyers make smart mortgage moves with confidence. Whether it’s refinancing to lower payments, consolidating debt, tapping into home equity, or purchasing a new home, Ira focuses on making the process simple, clear, and stress-free. Known for strong communication, quick approvals, and genuine care for clients, Ira provides strategic lending solutions tailored to each borrower’s financial goals. With decades of experience and a client-first approach, Ira helps borrowers feel informed and confident every step of the way. Ira specializes in refinance strategies, debt consolidation, home equity solutions, and purchase financing through FHA, VA, USDA, and Conventional loan programs. Licensed to serve clients in North Carolina, Virginia, Tennessee, and Florida. Core strengths include: • Refinance & Debt Consolidation Solutions • FHA, VA, USDA & Conventional Purchase Loans • Clear Guidance & Fast, Efficient Closings • Tech-Driven, Client-Focused Service • Dedicated to Realtor & Client Education
Ira took the time to listen and understand what we were looking to accomplish with our home refinance. She and Dan went above and beyond to ensure we were informed of the process and stayed aware of the status of the application. We had a couple of starts and stop along the process and even an original closing day failure to execute because of trep... RUDOLPH V NEWNAN, GA April 27 Rating: 5.0 out of 5.0 from Encompass
Ira took the time to listen and understand what we were looking to accomplish with our home refinance. She and Dan went above and beyond to ensure we were informed of the process and stayed aware of the status of the application. We had a couple of starts and stop along the process and even an original closing day failure to execute because of trep...
Ira and her team stayed on top of the process the entire time. Effectively and efficiently coordinated with other agencies to work around my schedule and to meet the deadline I had requested. her and her team were available for any questions or concerns that arose on my end and had an appropriate ans... Matthew P ROCKY POINT, NC April 27 Rating: 5.0 out of 5.0 from Encompass
Ira and her team stayed on top of the process the entire time. Effectively and efficiently coordinated with other agencies to work around my schedule and to meet the deadline I had requested. her and her team were available for any questions or concerns that arose on my end and had an appropriate ans...
Ease of communication and prompt follow thru!!! PATTY J RUSSELLVILLE, KY April 27 Rating: 5.0 out of 5.0 from Encompass
Ease of communication and prompt follow thru!!!
Professional service, cordial and friendly. Available when needed. I am inpressed with excellent quality service ALFONSA WINTON, CA April 27 Rating: 5.0 out of 5.0 from Encompass
Professional service, cordial and friendly. Available when needed. I am inpressed with excellent quality service
I was a Realtor for 12 years and I sent my clients to Ira because I knew they would be taken good care of. She is wonderful to work with and GREAT with first time homebuyers. She really takes time with her clients and explains the whole process from start to finish. Her knowledge of the mortgage process is vast and if by chance there is a question ... Bowsforpiper Hampton, VA April 26 Rating: 5.0 out of 5.0 from Zillow
I was a Realtor for 12 years and I sent my clients to Ira because I knew they would be taken good care of. She is wonderful to work with and GREAT with first time homebuyers. She really takes time with her clients and explains the whole process from start to finish. Her knowledge of the mortgage process is vast and if by chance there is a question ...
I can't express just how grateful my family is to Ira & Nick Hines, an amazing tag team, for going above & beyond in order to make our home purchase Stress Free!! Super Thanks. Annita Williamsburg, VA April 26 Rating: 5.0 out of 5.0 from Zillow
I can't express just how grateful my family is to Ira & Nick Hines, an amazing tag team, for going above & beyond in order to make our home purchase Stress Free!! Super Thanks.
We are first time home buyers and were so lucky to find Ira Hines to help us through the process. Ira always returned our calls/emails promptly. She was very positive and made us feel more comfortable through the home buying process. And because of her "let's get this done" attitude we were able to close on our house sooner than expected. We would ... Sdrawkcab 7 South Mills, NC April 26 Rating: 5.0 out of 5.0 from Zillow
We are first time home buyers and were so lucky to find Ira Hines to help us through the process. Ira always returned our calls/emails promptly. She was very positive and made us feel more comfortable through the home buying process. And because of her "let's get this done" attitude we were able to close on our house sooner than expected. We would ...
Purchasing a home can be stressful. However, Ira was always professional, quick to respond, and supportive which made a potential stressful experience a happy one. User55724481 Newport News, VA April 26 Rating: 5.0 out of 5.0 from Zillow
Purchasing a home can be stressful. However, Ira was always professional, quick to respond, and supportive which made a potential stressful experience a happy one.
I highly recommend Ira for any real estate needs! She is truly passionate about helping others and was amazing to work with during what can be a stressful time! Ira was always prompt, attentive, and a pleasure to work with during our pre-approval process. My husband and I will definitely be using her again in the future and will continue to reco... Tamrahollowellsalon Newport News, VA April 26 Rating: 5.0 out of 5.0 from Zillow
I highly recommend Ira for any real estate needs! She is truly passionate about helping others and was amazing to work with during what can be a stressful time! Ira was always prompt, attentive, and a pleasure to work with during our pre-approval process. My husband and I will definitely be using her again in the future and will continue to reco...
Ira was very friendly, helpful and very quick to respond with any questions we had about our loan. We were also able to reach her at almost any time of the day. She was also patient to wait and lock us in a interest rate when rates were the best. I would definitely recommend her! User42161507 Newport News, VA April 26 Rating: 5.0 out of 5.0 from Zillow
Ira was very friendly, helpful and very quick to respond with any questions we had about our loan. We were also able to reach her at almost any time of the day. She was also patient to wait and lock us in a interest rate when rates were the best. I would definitely recommend her!
Ira Hines is a greatest person to work and proceed the mortgage in just 2 weeks with quick responses almost immediately to answer my questions, etc. She walked throughout the details with us during mortgage processing with quick answers. She's really expert in her mortgage field. Bgharucki Hampton, VA April 26 Rating: 5.0 out of 5.0 from Zillow
Ira Hines is a greatest person to work and proceed the mortgage in just 2 weeks with quick responses almost immediately to answer my questions, etc. She walked throughout the details with us during mortgage processing with quick answers. She's really expert in her mortgage field.
Ira was able to "hold my hand" throughout the entire process. Everything went much smoother than I expected. She was always responsive, helpful and kind. Every home purchase can be stressful, my situation had additional stressors as I am in the process of going through a divorce. Ira's kind and gentle spirit was invaluable to me. I am blessed to ha... Habpt Newport News, VA April 26 Rating: 5.0 out of 5.0 from Zillow
Ira was able to "hold my hand" throughout the entire process. Everything went much smoother than I expected. She was always responsive, helpful and kind. Every home purchase can be stressful, my situation had additional stressors as I am in the process of going through a divorce. Ira's kind and gentle spirit was invaluable to me. I am blessed to ha...