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

Star Star Star Star Star

Based on 64 Reviews

Google Reviews Google Reviews

Star Star Star Star Star

a week ago

Google Icon

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

Star Star Star Star Star

5 months ago

Google Icon

We have done four mortgages and two refinances over the last 20 years and we have used Carolina Home Mortgage for all of them! Kearny always takes good care of us, taking time to talk through our finances and goals to choose the best option to fit our situation. He always finds the best rates, and thoroughly explains every item on the loan documents. He treats us not like clients, but as friends, and makes the whole process enjoyable. We would never use anyone else! Highly, highly recommend!

Regina and Carlos Guerra

Star Star Star Star Star

2 weeks ago

Google Icon

so grateful for Kearny and the team at Carolina Home Mortgage. Our third home with them, and so grateful for their careful attention to our family.

Omid Safi

Star Star Star Star Star

a year ago

Google Icon

Kearny and Lisa at CHM are fantastic, and I can't imagine having a better experience with a lender or mortgage broker. Kearny found us a new program from United Wholesale Mortgage that saved us a half percent over what any other lender offered. In addition to being extremely knowledgeable, Kearny was incredibly responsive and called us on evenings and weekends to provide information and reassurance. Their origination fees were also very reasonable considering the high level of service they provided. Thank you for helping make our dream home a reality!

Scott Williams

Star Star Star Star Star

a week ago

Google Icon

Misty was amazing, very helpful, and worked to get us the rate possible!

Della Hunter

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.