Helping You Make Carolina Home

Let's find you a mortgage solution that fits your income and lifestyle.

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Our Story

Carolina Home Mortgage opened in 2000 as a small family-owned business, and we remain small, local, and easy-to-reach. We are a mortgage broker. We don’t lend you the money directly. Instead, we represent multiple lenders and look for the best mortgage to meet your financial needs. In operation since 2000, we rely on our loyal borrowers and those who want to call Carolina home.

Using a mortgage broker can be helpful because they know about many different loan options and can often find better deals than you might find by yourself. We invite you to compare us to your bank. Our commission is usually paid by the lender.

Meet Our Expert Loan Officers

Our team of loan officers is here to help you through the mortgage process with personal service and expert advice. Meet the people who will help you reach your goal of owning a home.

Kearny Davis

NMLS ID # 61383

919-306-4840

Kearny

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Erica Sanders

NMLS ID # 390083

919-618-2420

Erica

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Mindy Frailey

NMLS ID # 389553

910-658-5189

Mindy

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Katie Evans

NMLS ID # 101963

910-728-0403

Katie

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                    [author_name] => Edgardo Caluag
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                    [relative_time_description] => 3 months ago
                    [text] => I had an excellent experience with Carolina Home Mortgage! My loan officer, Katie Evans, was outstanding—professional, knowledgeable, and always quick to respond. She made the entire home loan process smooth, stress-free, and easy to understand. I truly appreciate her dedication and excellent customer service. I highly recommend Katie Evans and Carolina Home Mortgage!
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                    [rating] => 5
                    [relative_time_description] => 10 months ago
                    [text] => Katie Evans with Carolina Home Mortgage recently handled the refinance of my home. She made the process so easy. She handled everything. I was so impressed with her knowledge and ability to handle this complex procedure and answer all of my questions. I believe she works 24/7! I definitely am referring her to all of my family and friends for a purchase or refinance.
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                    [author_name] => Jeff Fowler
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                    [relative_time_description] => 7 months ago
                    [text] => I recently had the pleasure of working with Linda Roberts again while refinancing my home, and the experience was nothing short of excellent! Although I am a licensed real estate broker who is not currently practicing, I have worked with many professionals in this industry over the years, and I can confidently say that Linda stands out for her professionalism, attention to detail, and commitment to exceptional service.

From the beginning of the process through closing, she demonstrated outstanding communication, transparency, and efficiency. She took the time to clearly explain each step, answered every question promptly, and ensured that everything moved forward smoothly and on schedule.

What impressed me most was her dedication to making the process as seamless and stress-free as possible. It is clear that she truly cares about her clients and takes pride in delivering the highest level of service.

I highly recommend Linda to anyone looking for a knowledgeable, reliable, and professional mortgage lender. It was a pleasure working with her again, and I would not hesitate to refer her to friends, family, or future clients.
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                    [rating] => 5
                    [relative_time_description] => 9 months ago
                    [text] => Misty is excellent and worked tirelessly to find the perfect loan program for first time home buyers. Her knowledge, persistence, and clear communication made the entire process smooth and stress-free. Truly grateful for her expertise, dedication and highly recommend her!!
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                    [rating] => 5
                    [relative_time_description] => 10 months ago
                    [text] => I cannot say enough great things about Katie. Her professionalism and expertise made purchasing a home such a smooth process. She was knowledgeable and gave great advice that relived stress. If you are in the search for a great loan officer, Katie is the person you should seek!
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Our Satisfied Customers

5 Stars

Based on 94 Reviews

Google Reviews

3 months ago

I had an excellent experience with Carolina Home Mortgage! My loan officer, Katie Evans, was outstanding—professional, knowledgeable, and always quick to respond. She made the entire home loan process smooth, stress-free, and easy to understand. I truly appreciate her dedication and excellent customer service. I highly recommend Katie Evans and Carolina Home Mortgage!

Edgardo Caluag

10 months ago

Katie Evans with Carolina Home Mortgage recently handled the refinance of my home. She made the process so easy. She handled everything. I was so impressed with her knowledge and ability to handle this complex procedure and answer all of my questions. I believe she works 24/7! I definitely am referring her to all of my family and friends for a purchase or refinance.

vickie hill

7 months ago

I recently had the pleasure of working with Linda Roberts again while refinancing my home, and the experience was nothing short of excellent! Although I am a licensed real estate broker who is not currently practicing, I have worked with many professionals in this industry over the years, and I can confidently say that Linda stands out for her professionalism, attention to detail, and commitment to exceptional service. From the beginning of the process through closing, she demonstrated outstanding communication, transparency, and efficiency. She took the time to clearly explain each step, answered every question promptly, and ensured that everything moved forward smoothly and on schedule. What impressed me most was her dedication to making the process as seamless and stress-free as possible. It is clear that she truly cares about her clients and takes pride in delivering the highest level of service. I highly recommend Linda to anyone looking for a knowledgeable, reliable, and professional mortgage lender. It was a pleasure working with her again, and I would not hesitate to refer her to friends, family, or future clients.

Jeff Fowler

9 months ago

Misty is excellent and worked tirelessly to find the perfect loan program for first time home buyers. Her knowledge, persistence, and clear communication made the entire process smooth and stress-free. Truly grateful for her expertise, dedication and highly recommend her!!

Melissa Ragan

10 months ago

I cannot say enough great things about Katie. Her professionalism and expertise made purchasing a home such a smooth process. She was knowledgeable and gave great advice that relived stress. If you are in the search for a great loan officer, Katie is the person you should seek!

Gee Almeida

Loan Options

We offer many different mortgage products to meet the needs of our clients. Whether you are a first-time homebuyer, a veteran, or looking to refinance, we have the right loan options for you. Check out our services below to find the best fit for your home financing needs.

FHA Loans

Federal Housing Administration (FHA) loans are for people with low to moderate incomes. These loans require smaller down payments and have easier credit rules, which helps more people buy a home.

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VA Loans

Veterans Affairs (VA) loans offer great benefits to eligible veterans and their families. These benefits include no down payment, no private mortgage insurance, and low interest rates.

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USDA Loans

United States Department of Agriculture (USDA) loans offer affordable home financing for buyers in eligible rural and suburban areas. With no down payment needed, USDA loans make it easier to buy a home.

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Cash-Out Refinance

Refinancing your mortgage can help you get a lower interest rate, reduce your monthly payments, or use the value of your home for cash. Our refinancing options are made to help you reach your financial goals easily.

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Conventional Loans

Conventional loans are great for people with good credit and enough money for a down payment. Many homebuyers choose these loans. They usually meet the rules of Fannie Mae or Freddie Mac, which means the lender can sell them and free up their money.

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Adjustable-Rate Mortgage

Adjustable-rate mortgages start with a lower interest rate than regular loans. The rate changes from time to time based on the market. This makes them a good choice for buyers who plan to sell or refinance their home in a few years.

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Loan Calculators

Here are some cool calculators to check out.

Monthly Payment Calculator

Will that monthly payment fit within your budget? Our calculator can give you an estimated loan payment.

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How Much Mortgage Can I Afford Calculator

If you are looking for low mortgage rates today Contact Us .

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Closing Costs Calculator

Your actual rate, payment, and costs could be higher.  Get an official Loan Estimate before choosing a Loan.

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