Your Premier Lender in Clayton

Start your home loan process here!

I’m Rob Yo the Mortgage Pro, your premier mortgage professional of North Carolina, South Carolina, and Virginia. Whether you are in Charlotte, Charleston, Clarksville, Richmond, Raleigh, Wilmington or Columbia - I am ready and eager to assist you with your mortgage needs.

I provide my clients the financing necessary for an integral part of the American Dream - home ownership. Housing is one of the most basic of all human needs and I accept the role as an honor and social responsibility. I pride myself on offering some of the most competitive rates nationwide and making the loan process simple, straightforward and fast for borrowers. My goal is to create lasting relationships with each client and to continue providing excellent service for many years to come.

Rob Yo Headshot

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team can help you take that first step toward a mortgage solution. I offer a variety of products to fit your specific needs, such as Conventional LoansFHA LoansVA LoansUSDA Loans and Jumbo Loans, and more.


To speak directly with an experienced mortgage professional, simply call anytime or feel free to utilize any of the interactive tools offered throughout the site. I look forward to working with you.

Competitive Rates. Zero Hassles.


Our FHA, VA, RHS, Jumbo and Conventional mortgage rates are the most competitive available in the industry and we offer all mortgage financing options accessible to you.


As one of North Carolina’s leading Mortgage Company we alleviate the typically drawn-out loan process, pre-approving borrowers within an hour and providing a pre-approval certificate.


No matter what your need to refinance is, our highly experienced team of mortgage brokers can help you find the perfect loan solution to fit your needs and circumstances.

What our clients are saying

Vin B.

Rob was a professional from the pre-approval process to being present and assisting at the closing.
Rob earned our trust with his honestly and transparency throughout the process and I would look to him again IF we ever considered moving.


Rob and his team were super helpful with our mortgage process. Very easy to deal with and super communicative every step of the way. Being able to relocate my whole family and secure a house and mortgage in 5 months was made so much easier by Rob and Homespire. Super thankful.

Haley J.

My experience with Rob and his team was absolutely seamless! I had a lot of push back with my FHA loan and Rob was available at any time to answer any questions or concerns I had and always assured me things would be ok. My first time home buying experience was great thanks to Rob and his team! I would recommend him a thousand times over!

Landon O.

I have now purchased a home and refinanced a home with Rob. His team is super helpful, quick and responsive. I always feel like I am getting the best deal and feel like Rob takes the time to listen to our situation and goals and gives us options to achieve them. I will reach out to Rob again when I have mortgage needs.

Ida T.

My sincere thanks goes out to Rob Youncofski for His hard work in helping me secure a loan with a a very low interest rate. So thankful and blessed that Rob Yo was a part of this process. He is the best in his field and I will definitely recommend him any time. Appreciate you!

Bonnie A.

Rob and his team were fantastic to work with—super responsive, always willing to answer any questions we had (no matter how many), and incredibly knowledgeable about the industry and how changes might affect us. It took us a long time to find the perfect house but Rob was there with advice whenever we needed it. Highly recommend his services!