Serving all of North and South Carolina Serving all of North and South Carolina

Helping You Make the Carolinas Home

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

Our Story

Carolina Home Mortgage opened in 2000 as a small family-owned business. Now serving all of North and South Carolina, we still keep it 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 the Carolinas 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.

Our Story

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

Kearny Davis

NMLS ID # 61383

Phone Icon 919-306-4840
Erica Sanders

Erica Sanders

NMLS ID # 390083

Phone Icon 919-618-2420
Mindy Frailey

Mindy Frailey

NMLS ID # 389553

Phone Icon 910-658-5189
Misty Carroll

Misty Carroll

NMLS ID # 2572436

Phone Icon 919-524-1975
Katie Evans

Katie Evans

NMLS ID # 101963

Phone Icon 910-728-0403
Linda Roberts

Linda Roberts

NMLS ID # 48743

Phone Icon 919-306-1632
Kevin Reed

Kevin Reed

NMLS ID # 1700589

Phone Icon 910-992-4025

Our Satisfied Customers

5 Stars

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Based on 70 Reviews

Google Reviews Google Reviews

Star Star Star Star Star

in the last week

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My husband and I are first time home buyers and we used Katie to do our mortgage. We went into the experience terrified of the process. We had heard horror stories about what people had to do to get mortgages and how they did not understand their mortgages. Katie made this process so simple and easy to understand. She answered all of our numerous calls and questions. She came to us several times when she needed us to sign something in person, she helped us make sure we had everything we needed and all of our paperwork was correct. She was by our side at our closing and shared in our excitement over our new home. Every step of the way she made sure we were comfortable and understood the entire process. I would recommend using Katie to anyone that wants the best and easiest home buying experience!! It felt like we had our best friend holding our hand the whole way to closing!

Tonya Teal

Star Star Star Star Star

2 weeks ago

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Working with Katie at Carolina Home Mortgage has been a great experience! Katie treats you like family and makes sure that you have all the information and everything you need to get your mortgage. She guided us every step of the way, was always patient even when she had to send us multiple emails and texts to remind us to do something. I have no doubts that if it wasn’t for Katie at Carolina Home Mortgage we would not have gotten the house or the one before this one. Thank you for making this happen for my family.

Caleb West

Star Star Star Star Star

2 weeks ago

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As a first time home buyer the idea of buying a home was a bit of a far stretch and it seemed like my wife and I would have to go through leaps and bounds to make it happen, but fortunately enough we had Katie Evens to help us along with the process. Katie was extremely helpful and very knowledgeable and she made it feel like I didn’t need to do anything at all. She was always available to help me out whenever I had questions or concerns and she was always able to answer in a way that was very professional and easy to understand. Because of her everything went very smoothly and my wife and I couldn’t be happier with her assistance.

Marlin Hernandez

Star Star Star Star Star

a month ago

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Misty is the perfect example of a professional who exceeds expectations. She invests in each client, educating and guiding them throughout the loan process. Her response time is stellar. She will even work on a weekend or holiday if it means helping a family qualify for their home. I've worked with many lenders over a decade of being a Realtor, but Misty shines above the rest. No wonder she is the first recommendation I share with my clients!

Blanche Stanley

Star Star Star Star Star

3 months ago

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Misty Carroll was wonderful helping us purchase our first home. She was informative, responsive, and so knowledgeable. She truly was an angel. Misty made the entire process so easy. I would highly recommend Misty for all your home needs. Thank you so much Misty!

Rachel Oglesby

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.

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.

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.

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.

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.

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.

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.

How Much Mortgage Can I Afford Calculator

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

Closing Costs Calculator

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