Liz Ciardi

Sr Loan Officer

NMLS ID: 455129

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can craft a home lending solution that’s tailor-fit to your needs.

Liz Ciardi

3420 Toringdon Way

Charlotte, NC 28202

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I've been a mortgage banker for over 30 years of industry experience as a loan officer, branch manager, and sales manager. When it comes to purchasing a new home, everyone's financing needs are different. You may want a certain monthly payment, a low down payment, no mortgage insurance, or something else in mind. As your mortgage consultant, I can help you chose what is right for you and your goals. Whatever your situation, I'll help you make an informed decision.


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Professional Affiliations

  • • Top 26 Loan Officers in Country, Wells Fargo Home Mortgage 2013 and 2014
  • • Leaders Club (less than top 1%), Wells Fargo Home Loan Officers 2007,2009,2010,2011,2012, 2015
  • • Wells Fargo National Volunteer Award, 2007, 2010
  • • Washington Mutual – Charlotte regional top sales producer, three years in a row
  • • Multiple other top sales producer awards at PNC Mortgage, Mellon Bank, and Countrywide
  • • Piedmont Regional Association of Realtors Affiliate of the Year, 2007

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans


  • Finance and Economicis, Rutger University and University on Maryland 1982-1986

Community Involvement

  • • Children’s Attention Home – board member since 2005-2008
  • • Tega Cay Lions Club – International Youth Exchange host family multiple years.
  • • Carolina Crown Drum Corp- Board/ Advisor Board Member
  • • Golf Event - Carolina Crown and York County Cancer Association - Chair
  • • York County Cancer Association, Past President- (Survivor)
  • • Susan G. Komen and Party In Pink – Committee member ( Survivor)

Languages Spoken

  • English
  • Italian
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?