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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
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... RUDOLPH VNEWNAN, GA Apr 27
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...
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... Matthew PROCKY POINT, NC Apr 27
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...
Rating: 5.0 out of 5.0 from Encompass Ease of communication and prompt follow thru!!! PATTY JRUSSELLVILLE, KY Apr 27
Ease of communication and prompt follow thru!!!
Rating: 5.0 out of 5.0 from Encompass Professional service, cordial and friendly. Available when needed. I am inpressed with excellent quality service ALFONSAWINTON, CA Apr 27
Professional service, cordial and friendly. Available when needed. I am inpressed with excellent quality service
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 ... BowsforpiperHampton, VA Apr 26
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 ...
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. AnnitaWilliamsburg, VA Apr 26
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.