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


  • Lacey Power will provide a $1,500 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.

Lacey Power

Global Real Estate Advisor
Phone: 828-242-0970

Broker associate Lacey Power is a native resident of Asheville, with roots that run deep in the community. Lacey has a well-rounded scope of the real estate industry, having experienced it from several angles. Her love for the area and market knowledge is the foundation of her business.

A real estate professional since 2014, Lacey began her career as a property manager responsible for the leasing and maintenance of over 400 vacation and long-term rental homes. She was sought out to hire and train real estate agents as the director of talent acquisition. Through skill evaluation and education, she guided new real estate professionals into groundbreaking careers.

Lacey previously served as the director of operations, managing every aspect of both sides of real estate transactions behind the scenes. Her clients appreciate her honesty, integrity, dedication and determination. Lacey has her own investment portfolio and can relate to the needs and goals of other investors. She has the desire to help other people become investors.

As a partner with the Asheville office of Premier Sotheby’s International Realty, Lacey is passionate about using her skills and knowledge to serve clients in achieving their real estate dreams. Communication, attention to detail, and respect are the pillars of her white-glove customer service. A member of the Land of the Sky Association of REALTORS®, Lacey has a deep love for and a vast knowledge of Asheville and the surrounding area. These attributes, along with the benefit of her real estate experience, make her an excellent choice when looking for a REALTOR®.

In her spare time, Lacey enjoys various outdoor adventures with her husband, Drew, and their yellow Labrador, Murphy. She is an active member of the Junior League of Asheville and volunteers with various nonprofit organizations. Lacey is a lifelong learner with a passion for continual personal and professional development.

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