Mortgage Loans for Every Milestone

Personalized lending solutions for every stage of life — backed by local expertise and years of experience

Why Work with Us?

By combining modern technology with personalized service, we help you navigate one of life’s biggest financial decisions with confidence and ease. Whether you’re buying your first home or refinancing your forever home, we’re here for every milestone.

Our Process

Our process is designed to make home financing simple and stress-free. From your first consultation to closing day, we guide you every step of the way with personalized advice, fast communication, and expert support.

Our Goal

Carolinas Capital Lending was founded on a simple but powerful mission: to bring clarity, honesty, and personal attention back to the mortgage loan experience. We are an independent brokerage licensed in North Carolina and South Carolina, offering a full range of home financing solutions including Conventional, FHA, VA, USDA, Jumbo, and first-time buyer programs.

Meet the Founder

Programs

Not sure which loan is right for you? We take the time to understand your goals, then match you with the right loan program — without the guesswork.

Learn More

Types of Loans

Loan Program Overview



Conventional Loans in NC & SC

We help homebuyers across North Carolina and South Carolina secure competitive rates, flexible terms, and low monthly payments. A great fit for first-time and repeat buyers with good credit and stable income.



FHA Loans in North Carolina & South Carolina

FHA loans are ideal for first-time buyers or those with limited savings. With just 3.5% down and flexible credit guidelines, we help clients throughout the Carolinas qualify for affordable home financing.



VA Loans for Veterans in NC & SC

As a VA-approved mortgage broker in North and South Carolina, we proudly serve veterans and service members with 100% financing, no PMI, and excellent rates.



USDA Loans in Rural NC & SC

USDA loans provide zero-down financing for eligible rural and suburban buyers. We help clients across NC and SC access affordable housing in qualifying areas with flexible credit and low payments.



Jumbo Loans for High-Value Homes in NC & SC

Looking to purchase above the conforming loan limits? We offer jumbo financing for high-value homes in Charlotte, Raleigh, Greenville, and throughout the Carolinas — with competitive rates and personalized underwriting.



First-Time Buyer Programs in North & South Carolina

We specialize in helping first-time buyers across NC and SC access low down payment loans, grants, and flexible approval options. Let’s find the right fit for your first home.

What others say about us

Testimonial

“Colin was absolutely amazing from start to finish. He made the mortgage process simple and stress-free. Highly recommend!”

– J. Carter, Charlotte, NC

“Colin was phenomenal! He worked very hard to get what we needed. He was always quick to respond to us and went above and beyond to answer all of our questions . . . !!!”

– Christina Buchanan

“Easy to work with, knowledgeable and efficient. Working with Colin was easy and straightforward. He made himself available to answer questions whenever the need arise. . .”

– Petal Sequira

“Colin is the absolute man. This is my first time using him & I wouldn’t pick anybody else to deal with. He picks up the phone 24/7, texts back quick as can be & is on top of everything. Best around for a reason.”

– Nick Geller

“Colin went above and beyond to make this mortgage go through. With Sunpower solar being a major bump in the road, Colin saw it through to the end and made sure it got done. Highly recommend.”

– Mark Lobel

“Colin went above and beyond to get us to the closing table confident and with ease! He kept us informed and made the process so easy and smooth. . .”

– Michael Graham

“Colin was absolutely amazing! There was about a million and one hurdles in our process and literally more came up until the end. But out of everyone Colin was a rock and pillar of support . . .”

– Scott Goffin

“Wonderful experience with Colin. He kept me informed from start to finish and was helpful every step of the way.”

– Carolina Thompson

“My experience with Mr. Whitmore and his crew was excellent and very satisfied with their services and we thank you so much for everything. We are very grateful and happy with everything.”

– GamerRose

“Very pleased with Colin and his willingness to work hard to get us in our first home, very professional and reliable through the entire process. I recommend highly…”

– Hope Robertson

Apply Now

Why Choose Us

We Are Here to Help



15+ Years of Experience

Trusted local expertise that gets you to closing faster.



All Major Loan Programs

FHA, VA, USDA, Conventional, Jumbo, and more.



Licensed in NC & SC

Focused on the communities we live in and love.