Mortgage broker · Concord, NC
A mortgage broker who actually picks up.
An independent brokerage in downtown Concord. Your file goes to many lenders, not one bank, and the phone still gets answered after five.
5.0 from 31 Google reviews- 5.0
- Google rating
- across 31 reviews
- 2008
- Originating since
- through every market
- 3
- States licensed
- NC, SC & Colorado
- 7
- Loan programs
- shopped across many lenders
A broker, not a bank.
A bank checks your file against its own guidelines and gives you one answer. We take the same file to several lenders, and they do not share guidelines. The same paperwork gets very different answers.
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Many lenders, one phone number
A direct line to your broker, evenings and weekends included.
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Straight answers on cost
What you pay, what it buys you, and where the tradeoffs are.
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Built for complicated files
Self-employed, thin credit, VA benefit, rural property, investment income.
Meet the founder
A better mortgage experience starts with the right loan officer.
I'm Colin Whitermore, founder of Carolinas Capital Lending. With more than 15 years in the mortgage industry, I help buyers and homeowners compare loan options from multiple lenders and find financing that fits their goals, without the runaround.
Find the program that fits.
Which loan is right depends on your situation, not on what a bank happens to be selling this month. Here is what each one is for.
How it works.
Four stages between the first conversation and closing day, and you always know which one you are in.
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A real conversation
Fifteen minutes, no credit pull, no forms. We work out what you are trying to do.
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Options side by side
Your file goes to several lenders. You see what each will offer, with the tradeoffs explained plainly.
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Pre-approval
Income, assets and credit verified properly, the kind a listing agent takes seriously.
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Closing day
Clear updates the whole way, so nothing at the table is a surprise.
In their words
5.0 stars across 31 Google reviews.
Colin is very responsive and easy to work with! Highly recommend
Colin got me the best rate I could find and communication was impeccable
Colin was very easy to work with and answered questions right away! Got our refinance done very fast!
Refinancing is half of what we do.
Lowering a rate, shortening a term, dropping mortgage insurance you no longer need, or pulling equity out for a renovation. The rule of thumb about how far rates must fall is not a calculation, your break-even is, and it takes five minutes.
- Lower your rate
- Drop mortgage insurance
- Change your term
- Take cash out
- Leave an adjustable rate
- Remove someone from the loan
Today's rates, updated daily.
Adjust for term, points, credit score and down payment and see what your situation looks like before you talk to anybody.
Where we work
Cabarrus County and the Charlotte area.
Guides and answers.
Loan Programs
DSCR loans for North Carolina rental property
Financing an investment property on the rent it produces rather than on your tax returns. How the ratio works, what it costs, and who it is actually for.
Loan Programs
Jumbo loans in North Carolina: where the rules stop being standard
Past the conforming limit, guidelines are set by individual lenders rather than by Fannie and Freddie. That is why shopping a jumbo loan matters more, not less.
Local Market
Working with a mortgage broker in Charlotte
What a broker does that a bank cannot, what to ask before you pick one, and why the Charlotte market makes the difference more noticeable than it used to be.
Let's find out what you qualify for.
Start with a conversation. If it makes sense to go further, we will, and if it does not, you will know that too.