Welcome NCAPCS Members, Teachers and Parents to the Educator’s Advantage Mortgage Benefit Program

Mortgage Savings for NCAPCS Members, Teachers and Family Members

Resource Financial Services is pleased to present VIP mortgage benefits for all teachers, administrators, and family members of students of the Charter Schools of North Carolina. Endorsed by the North Carolina Association for Public Charter Schools, this program was developed to bundle mortgage related service providers to enhance the cost savings involved in purchasing a home.

Thank you for helping to shape our children, our communities and our future.

Now we want to serve you! As an associate of NCAPCS, you are entitled to receive special benefits from your preferred lender, Rick Joyner and his team of experienced mortgage professionals at Resource Financial.

Your dedicated team will serve you and your family with mortgage lending options designed to meet your unique needs. You’ll receive discounts on fees, closing costs and everything from home improvement to garden supplies and home furnishings. Your team even includes a vetted real estate agent. Best of all, we will make a generous donation to your school’s PTA and to the NCAPCS Association with every loan closed.

It’s all designed to give you the benefits you deserve along with a better home financing experience.

NCAPCS Mortgage Services and Benefits


  • Resource Financial will reduce lender fees by $500
  • Preferred Interest Rates
  • Interest Rate Guaranty & On-Time Closing Guaranty

Home Inspection

  • Inspector Partner will reduce inspection fees by $75

Educational Opportunities

  • Monthly Educational Newsletter
  • Monthly Zoom First-Time Buyer Webinars
  • Educational Videos regarding home buying
  • Dedicated Website

Home Insurance

  • Insurance People of North Carolina will provide savings with homeowner’s insurance


  • Scarboro Law Office will reduce attorney fees by $200
  • Attorney will close the loan at a location most convenient for you


  • Larkin Willis will provide a $1,000 closing cost credit

Mortgage Programs & Options

  • Conventional/FHA/VA
  • Fixed and Adjustable Rates
  • Jumbo Loans
  • First-Time Homebuyer Programs
  • Vacation/Second Home Financing
  • Investment Home Financing
  • Construction Loans
  • Reverse Mortgage

Resource Financial Services

Established in 2008 as a retail banking firm serving borrowers across the Southeast, Resource Financial is licensed in 13 states and headquartered in Columbia, South Carolina where it is South Carolina’s largest privately owned mortgage bank. In 2020, Resource Financial was approved by Fannie Mae and Freddie Mac as a conventional mortgage lender, made the prestigious Inc. 500/5000 list of fastest growing companies in America for the third time and was named to Mortgage Professional America’s list of top workplaces for 2020.

Rick Joyner

Mortgage Banker
NMLS# 68816
Phone: 919-522-5678
Email: rjoyner@rfsmortgage.com

Apply Online with Rick

Rick has more than 30 years experience in the mortgage industry in both commercial and residential lending. During his tenure in the industry, he has provided mortgages to clients covering all product types to include VA, USDA, FHA, Conventional, Jumbo and the North Carolina Housing Programs. Rick leverages his experience in the industry to help his clients choose the best programs and products.

Rick serves on several community boards and is active in his church, First United Methodist Church in Cary, NC, where he serves on both the Finance Committee and Building Committee. In his free time he enjoys traveling with his wife as well as playing golf and tennis.

Larkin Willis

Phone: 919-523-9653

She quickly found her calling with sports and when her family moved to North Carolina for her sophomore year of high school she negotiated her first deal with the admissions department of Cary Academy to allow her to be the only athlete in school to compete in four sports, to the normal three allowed, before she would agree to enroll. College is where she realized her love for interacting with people would lead her to a degree in Communications studies.

Larkin is also big on community, and you can often find her volunteering as a basketball coach with the youth recreation system, or helping out with the 5k fundraiser races with the local elementary and middle school. She is the first to jump when someone needs help, and this lends itself to being a huge support system for her clients. She is passionate about this community and believes you should love where you live. She’ll tell you herself that her best days are those where she gets the opportunity to help people find, not just a house, but a home.

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