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If you are looking for low mortgage rates today contact us at 919-869-8200.
Will that monthly payment fit within your budget? Our calculator can give you an estimated loan payment.

¹ FHA Mortgages

Click FHA Mortgage Limits to determine the max purchase price in your county.

² USDA Mortgages

Visit USDA Loan Property Eligibility to determine if a property is eligible. Visit USDA Loan Income Limits to determine if your income is eligible. Only available as 30 year term.

³ Fixed Rate Mortgages

30 Year Fixed Rate – This mortgage has a fixed principal and interest payment. This is a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, the adjustable-rate loans are a great option to consider. For calculator purposes, if you want an adjustable-rate, choose 30 year fixed.

15 Year Fixed Rate – This mortgage has a fixed principal and interest payment. It offers a rate that is about ½ of a percent less than a 30 year fixed rate – and you’ll own the home twice as fast. This is a great option if you are comfortable with the higher payments. Not available for USDA Mortgages.

Current Mortgage Rates
Program Rate* APR
Conv 30 yr fixed call
Conv 15 yr fixed call
VA 30 year fixed call
Jumbo 30 yr fixed call
FHA 30 yr fixe call
USDA 30 yr fixed call
*Rates are subject to change and will vary based on your credit and loan scenario. Try our Monthly Payment Calculator to see if we can lower your payments.
Testimonial
Thank you so much for all your hard work. You really made us feel special even though we know you had tons of other loans to work on. Like I said before you are a blessing. Thank you again. We recommend you to our friends when they need a loan.
Julio Toala
Thank you for all of your hard work and dedication throughout this process. You helped us so much and I do not think we could have purchased this home without you. You are the best. Thanks again.
Melissa Laberdee
You have been fabulous throughout this entire process and I thank you so much! Great Job!!!
Carl Youngs
Kearny was wonderful throughout our entire process of buying our home. He was efficient, courteous and got us an amazing rate! We would definitely go with Kearny again when we buy our next home!
Kendal Korach Parker
Kearny Davis, President of Carolina Home Mortgage, was extremely efficient, allowing us to close on our new home in less than 4 weeks with an amazingly low 15 year mortgage rate. Carolina Home Mortgage personnel are extremely accessible and work very closely with their customers to find them the lowest interest rate for their mortgage in a very timely fashion. I highly recommend Carolina Home Mortgage and will used them again when purchasing property.
Ellen Roberts
I just wanted to thank you for all your help – and all that time drafting those pre-qualifying letters! I finally did it, thanks largely to your help.
Jennifer Holmes
Mindy, Thank you so much for your customer service and working with Vanessa and I during this process. We truly appreciate your patience. We know this your is profession but we greatly appreciate how you worked with us every step of the way to prepare us for what was next.
Mark &Vanessa Cox
My fiancé and I recently partnered with Carolina Home Mortgage on our journey to home ownership! Words can’t describe the experience that Linda and her team created. As someone familiar with creating customer… experiences, I can truly say Linda surpassed any expectations that we had from the beginning. I believe Linda’s reputation speaks for itself, she is highly professional, approachable, patient, and very thorough. This has been an experience that will continue to remain with us as we shift o… Read more
Tedra Ashley
As a first-time homebuyer I turned to CHM, where Jennifer Rivers and her wonderful team, not only guided me, but worked my numbers beautifully. Her realtor recommendation, Ashley Dekker worked great getting me a fabulous deal within my budget. Both ends watched for my interests as a buyer. Great teamwork from Fayetteville and Raleigh!
Alexandra Cruz
I have had nothing but a positive experience while working with Jennifer. Buying can be a very stressful time however she handled everything very efficiently making the process very simple. She was always available to answer any questions I had. I am confident that I got the best rate and will not have any issues. Very upfront no hidden fees or surprises at closing. I will send all my friends and family to Carolina Home Mortgage. Jennifer and her team are the absolute best you definitely won’t … Read more
NettaMac McEachern
Matt guided us through the process of closing on our home. There’s a lot of paperwork that needs to be gathered and he was so patient and helpful by getting everything in order for us to close on the right date. The process was the easiest we’ve ever had and Matt made it super smooth, highly recommend working with him and this great company!!!! You will be happy you chose Carolina Home Mortgage!
Luke Newbold
I had a wonderful experience with Matt Waller. He was very helpful and available for my husband and I whenever we had questions! We had A LOT of questions too! He made the process easy for us and I think we were the fastest close on a house for the year. It was great and I would highly recommend him to anyone!
Devona Mccallum
It’s been a very long run but I believe that God had it planned for my wife and I to meet Jennifer. She has been straight forward with us every step of the way and has even gone out of her way to help my family and I with the purchase of our new home. We love her and our experience has been a blessing.
Charles Friday, Jr.
Mindy was absolutely amazing!! Could not have had a better lender or home buying experience! Thank you to Mindy and Carolina Home Mortgage for all you have done! Thank you to Kristina Zeller for your hard work and dedication. We had the best agent!! This could not have been possible without either of you! We are so excited to be in our first house!!!
Stephanie Locklear
I can’t recommend Erica and her team highly enough! They are true professionals that guided us through every step of the loan process and remained in constant communication. We had a unique situation and we felt that Erica always tried every tool and resource available to get us the best possible loan. Closing was a breeze because of all the hard work Carolina Home Mortgage put in. They are the real deal.
Thomas Baucom
Working with Linda Roberts to buy our first home could not have been a better experience. She explained every detail of the mortgage loan process and made sure we were aware and comfortable with all aspects. Linda went above and beyond to help us in any way she could and to make this much more than a business transaction. She shared our excitement and was there for us even outside of normal business hours. I would highly recommend Linda Roberts with Carolina Home Mortgage to anyone shopping for … Read more
Abbie Rumley
Matt helped me quickly jump into the loan process and find the best option for our manufactured home. He was diligent in helping us end up at a monthly mortgage payment we were comfortable with at a stellar interest rate. I can’t say enough good things about him or Carolina Home Mortgage!
Libby Feltis
Erica did my loan when I bought my house and again this year when I refinanced. She is wonderful, patient, and beyond helpful! When I first bought my home I was 22 and didn’t have a clue what I was doing, and Erica basically held my hand every step of the way.
Hollee Sloop
Linda was extremely helpful during the entire process. She communicated with every email or change that was to happen and explained why it was happening. She made my home buying experience comforting, always assured me she would take care if everything and kept her word! I will recommend Linda and her team to anyone buying a home.
Angela MacCord
Mindy Frailey was fantastic. We switched to Carolina Home Mortgage after not getting good treatment from another company. Mindy was able to get us a better rate and do all of our paperwork on a very tight timetable. She was a pleasure to work with even when new issues would come up in the process. I felt she always had our best interest in mind. I recommend Mindy and Carolina Home Mortgage to others looking for a house in North Carolina.
Margaret Petersen
Aloha Carolina Home Mortgage, We would like to big a HUGE Mahalo (thank you) to Jennifer Rivers for all her help, handwork, patience, and true dedication to helping our family with the purchase of our home. It has NOT been easy with being across the world. She has been fantastic throughout the whole process (answering our emails on weekends and late late at night). We truly appreciate all the hard work.
Saira Meneses
My husband and I could not be more happy with the assistance we had when buying our new home. It was not the easiest of closings and Linda Roberts went above and beyond to make sure everything was in place and to get us in our new home as quickly as possible. We have worked with Linda on several occasions from refinancing to now the purchase of our new home in Garner. She is always on top of everything and looking to get you the best deal possible. We would have been up the creek without our pad… Read more
Tricia Murray
I don’t even know where to start! From beginning to end Erica and Mary made the process painless and Mary’s funny emails became something I looked forward to getting (even though she often needed something from me). I cannot imagine anyone else holding our hands through the biggest investment we have made thus far. You guys are the BEST!!!!
Jessica Mashburn
Kearny Davis is great to work with–frank, funny, personable, and effective. We highly recommend him!
Inger Brodey
A big WOW and THANKS goes out to Jennifer Rivers and her assistant Lisa at the Fayetteville office on Ramsey St. !!!!!! I went through the process of buying a rental house and doing the electronic transactions for the first time in my life. A big WOW and THANKS goes out to Jennifer Rivers and her assistant Lisa at the Fayetteville office on Ramsey St. !!!!!! I went through the process of buying a rental house and doing the electronic transactions for the first time in my life and between them an… Read more
Dale Bill
Erica is a top notch loan officer! In a process that has become so arduous over the past years, Erica really goes above and beyond to make the document collection and income verification maze easy to navigate. Additionally, we shopped around a lot for rates and she got us a ridiculously low rate with the VA. Most important of all, she is incredibly professional, knowledgeable and a joy to work with…just a genuinely kind person who really cares about her clients. We have used her twice since purc… Read more
Amelia Hempel
I was impressed with the level of professionalism I received. I’d never refinanced before so I had a lot of questions that were answered in the most honest way possible. I think we could have gotten the process started earlier and finished sooner if I’d had more faith in the system and felt more confident in my mortgage lender….next time I’ll leave more to the professionals who’s job it is to think about the details. Thanks!
Chapel Hill Manager
Excellent and personable! From start to finish, every detail of my home purchase was handled in a professional way and a personal way. I know that the closing of my home was a top priority, and they were as enthusiastic and excited as I felt. I also was reassured with every issue that arose, and every detail was explained to me. Thank you for giving so much above and beyond what was required!
Lisa Ross
Erica was recommended to me by close friends and she was as wonderful as they said. I would not hesitate to refer her! She was there for me every step of the way and truly cares about her clients. I wish her all the best in 2017!
T. Stevens
It is hard to believe that you could love your mortgage lender so much. Kearny is so easy to work with and has always been incredibly kind and thorough with the two homes we’ve bought. As a first time home buyer, he took the time to explain things to me and to let me know when he thought the rates were the best they were going to be.
Jen McCraw
Linda was an absolute joy to work with. She was very patient as we changed our minds a few times on which home we were going to buy. She made sure that we were able to buy the home of our dreams!
Elizabeth Marshall
Was one of the most enjoyable experiences I have ever had in my several home purchases. To have the lending agent at the closing was just an added bonus!
Tim Hurst
Not only did Linda help me get my credit score up, we closed on my house before my dead line! She purely is amazing! If you need to get a house! Get a loan here!!
Daniel Duffala
Very responsive. Good communication. Attention to detail…with personal service!
Myron Namba
Everything was first rate – great rate, extremely knowledgeable, very responsive. The entire process could not have been smoother. Three cheers!
Scott McKeown
I could not imagine a better home buying experience. Linda Roberts and her colleagues walked me through every step and were incredibly knowledgeable, attentive and informative.
Brendan O'Malley
First class service all the way through the process. Could not have been happier.
Frederick Gervais
Great experience, excellent assistance in refinancing. Many thanks!!
Stephen Pratt
A joy to work with and we appreciate their dedication to our family.
Dianna Jones
Erica was amazing from start to finish! We were using income from small business ownership and she was very knowledgeable and amazing at helping us to receive financing! Erica really listens to what your goals are to purchase a house and helps you to work through the road blocks that are sometimes raised at the last minute during the final loan approval stages. She worked to get us a loan when several other companies told us we had too complex of a financial situation! You must work with Erica a… Read more
Lenore Livingston
I would highly recommend Kearny Davis, the broker and owner of Carolina Home Mortgage. I have used him since 2000 when I first moved here and purchased my first house here. He has done over 50 loans for my friends and myself. I have always obtained good rates at fair terms from him; and he has always treated people that I have referred to him as well as he treats me.He’s not the only good broker out there; but he’s the one I use and like.
Ken Gorfkle
“Erica Sanders was recommended to my husband and me by my brother who had a couple good experiences working with her in the past. Erica was incredibly reliable, she returned phone calls promptly, had answers quickly, and it was always a pleasure to talk with her. I will recommend her in the future.”
Corinna Keppler
Erica Sanders made purchase a house pain free! She did all the work for me. All I had to do was forward her the documents she needed and sign on the dotted line. I never had to step foot into a bank or office until my closing date. Thank you, Erica, for the time you put into helping me get the best loan to fit my needs!!
Emily Langdon
Kearny helped me get the best mortgage deal, better than market, for my property! He guided me through the entire process, analyzing objectively the pros and cons of various mortgage offers, so that I can zero down on the best one. He worked tirelessly to ensure I could get all the offers under the deal. I would highly recommend Kearny for mortgage.
Pranit Kumar
“Carl and I were extremely happy with our recent working relationship with Erica and Carolina Home Mortgage. You can’t go wrong using Erica. She will work hard to make the process painless and keeps you updated each step. Thanks Erica!”
Linda Allred
I have nothing but great things to say about Mindy with Carolina Home Mortgage. She assisted us with financing our first home and made sure we understood every step of the process. She was always available to answer any questions and explain anything that we were not clear on. There were no hidden fees or any surprises in the process. I would not hesitate to recommend Mindy to my family or friends because I know she would ensure they were taken care of and have a smooth financing process. If you… Read more
Nicole Modesitt
I am a single, middle aged woman who just purchased a house with the assistance of Carolina Home Mortgage, specifically, Erica Sanders.Erica took me on and I was not an easy customer! I have a single income on a fairly new-to-me job and a not-perfect credit score. These were never issues as it turned out. She worked to get me the loan that was most beneficial for my situation. She gave me organized lists that I worked through to accumulate all that was needed to apply for my loan and ample time … Read more
Nancy Mallory
To Mindy and Fayetteville Team:“We really appreciate all you have done to make this process happen and all your hard work for fighting for us to close on time, we couldn’t have asked for a better team to do this for us!! Again thanks so much for all your help!!”
The Andersons
To Mindy and Fayetteville Team:“Ma’am, Thank you in advance for all your support during this time. My family is going crazy with joy over this next step. You guys went above and beyond for us and it was really noticed. We truly feel blessed today. Thanks to your hard work and attention to detail. Again a grateful thank you from me.”
Jonathan M. Cappas SGT, USA
Erica has made obtaining our loan a smooth and efficient process. From the beginning, she has been helpful, courteous, and knowledgeable in her responses. Always friendly and patient. If she did not know an answer, she would quickly find it out. We have truly enjoyed working with her!Thank you, Erica! Clyde and Lou Jones
Clyde & Lou Jones
Erica Sanders of Carolina Home Mortgage is the person you want on your team to handle your mortgage needs! Erica responded to my needs 7 days a week and usually within minutes! Erica worked with me for over 14 months before I found the right property! Erica provided me promptly with pre-qualification letters, which was beneficial when competing against multiple offers, provided recommendations on the best way to stay within my budget and always had my interest first! Erica’s caring and kindness … Read more
Anne Brundige
Jennifer was absolutely incredible to deal with during our home buying process and even more incredible at closing time. Due to a few unforeseen issues the day before and day of our closing, Jennifer was easy to get in touch with and my wife and I honestly feel that if we were dealing with anyone else other than Jennifer, we wouldn’t have closed the day that we did as we went right down to the wire. It was Jennifer’s work ethic and commitment to us as her customers that made everything p… Read more
Brian Provost
My family had the pleasure of working with Jennifer during our extensive home buying process . From Day 1 we instantly knew that we made the right decision in reaching out to her. She was full of resources and had much experience and knowledge to assist us throughout any questions or concerns we had. She was very honest, ALWAYS available to help, and handled everything within a timely manner. I could not have asked for someone better to work with. Our process was 100 times smoother due to the he… Read more
The Sampson Family
Erica made sure to answer every question we had in detail, but also in ways that the average person can understand. We asked for specifics based on many different scenarios and she provided them along with other options we didn’t even know to ask for. Mrs. Sanders clearly knows the mortgage business very well and used this knowledge to find the best fit for us. We were also amazed by the expediency she and her team operate with. There were zero delays to our closing waiting for loan paperwork.… Read more
Robert and Sabrea Rockett
My fiancé and I want to recommend Kevin Reed at Carolina Home Mortgage. Thanks to Kevin we were able to buy our first home today if it wasn’t for him this wouldn’t of been possible! To anybody in the market for buying a home we strongly advise y’all to contact Kevin he was always there when we had questions even if it was past his office hours he was there for us, he made the process a lot smoother for us! We appreciate everything he did for us and we also want to thank Mary for hel… Read more
Miriam Baltazar
Linda Roberts at Carolina Home Mortgage made it SUPER easy for me to maneuver through the home loan process!! I was dreading getting started on my home loan because of all the unknowns but Linda was on it with a “checklist” for me and a “timeline.” Carolina Home Mortgage also got me a better interest rate than the bank that I’ve been with for 31 years.
Victoria Garner
Almost anyone can make a sale, it is top notch, professional people who make the resale. Kearny and Mary fall into this rare, special category. 8 years ago I did business with CHM. I did not hesitate to return for my 2nd mortgage refi when today’s changing market became favorable. Kearny Davis worked with me the whole way, understood my objectives and strategy (including when to lock-in in the rate) , and informed me of a better product than I had found on-line before calling CHM. Kearny s… Read more
DJ Gasper
Thank you, Mindy and Lisa, for your assistance throughout the process. We will certainly recommend your services to anyone, that is trying to purchase a home. You made everything so easy, We will always recommend and contact your team for our mortgage needs in the future. It was an absolute pleasure to work with you. – James and Genesha Nelson
James and Genesha Nelson
Mindy is SIMPLY ABSOLUTELY AMAZING! There’s no other way to put it! She truly has her clients best interest at heart and there was never a moment that we thought differently. She is driven, very knowledgeable, efficient, responsive and extremely patient and helpful throughout the entire loan process! Not to mention, we received a very competitive and extremely low interest rate! We appreciate Mindy and Carolina Home Mortgage for helping my family close on our dream home! We honestly couldn’t… Read more
Mindy Frailey
As a first time homebuyer, I must admit I had a little-ok…..I had a lot of anxiety. By Divine Providence, I was placed in the pathways of Mindy Frailey, par excellent Loan Officer, and Tracie Turcott, par excellent Realtor. They effectively worked together to ensure the real-estate transaction went exceptionally well. Mindy is very knowledgeable and adept in making/closing loans and everything in between. All questions I had were thoroughly and promptly answered. She was responsive and attenti… Read more
Mindy
Being new to the entire process or purchasing a home, there was a lot that we were unsure about and that we didn’t quite know. Mindy not only answered any questions that we had but she also took the time to explain them in great detail so that we would have a better and more complete understanding of everything. Her responses were both timely and professional and she not only helped to ease our anxiety but to better prepare us for the other challenges that we may face during the home purchasing … Read more
First-Time Home Buyer
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Program	Rate*	APR
Conv 30 yr fixed	call
Conv 15 yr fixed	call
VA 30 year fixed	call
Jumbo 30 yr fixed	call
FHA 30 yr fixe	call
USDA 30 yr fixed	call

1 FHA Mortgages

2 USDA Mortgages

3 Fixed Rate Mortgages

Current Mortgage Rates

Testimonial

¹ FHA Mortgages

² USDA Mortgages

³ Fixed Rate Mortgages