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
Bank statement loans in North Carolina: how they work and who they fit
How a bank statement mortgage uses deposits instead of tax returns to document income, what lenders commonly require, and the tradeoffs compared with conventional financing.
Process
How to get pre-approved for a mortgage in Concord and Charlotte
What a mortgage pre-approval involves, the documents lenders commonly ask for, how the credit check affects your score, and what can change an approval before closing.
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.
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.