An independent brokerage in downtown Concord.

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!

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

Colin was very knowledgeable and helpful while guiding us through the process. I would definately recommend working with Colin!

Great experience! Very trustworthy! Put our minds to ease. Always available for questions. Seamless process! Highly recommended!

Had a pleasant and great experience working with Colin. He took care of the entire process end to end and made sure that everything went smooth.

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...

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.

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!! Absolutely recommend him!!!

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.

Colin truly cared about our situation and his personalized approach and dedication to our best interests ensured we found the perfect mortgage. My husband and I certainly will use his services again.

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.

Colin was so great to work with, answered all my questions and even drove out to my closing! He's the only lender I worked with that showed me the numbers behind the curtain without confusing me. Highly recommend!

Colin was great to work with, he was Johnny-on-the-spot with everything and always answered my questions via a phone call or text. I appreciate his thoroughness and professionalism and would recommend him to others.

Colin worked VERY diligently (for three years) to help get us to a closing table!!! I could reach out to him anytime, and he was right there every time! He was able to get us an excellent rate, and we can’t thank him enough!

We had a great experience working with Colin.He is so responsive and truly had our best intrests in mind throughout the entire process.I highly recommend Colin to anyone looking for a trustworthy and hardworking mortage broker.

Colin helped me with a refinance around a month ago and not only did he get me a great rate but he's very easy to work with and super communicative. He is transparent and helps you close fast. I wouldn't hesitate to work with him again.

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. True to his word, we were able to meet our closing deadline. I would definitely work with Colin again.

CALL COLIN!!! Colin Whitermore is beyond helpful, knowledgeable and responsive!!! Colin took the time to explain the process and offer options to suit my refinance goals. The process was quick and easy from start to finish. I will recommend Colin for all mortgage and refinancing needs.

Colin handled my refi in Jan 2026. I have to say this was the smoothest refi I have done in my lifetime. Very effecient and requested all documents at once. There was no I need this, now I need that. VERY refreshing and I have completed a lot of purchases and refi's in my time. I 100% recommend Colin

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. We can’t thank you enough Colin for everything! The absolute best in his field!! Highly recommend him for anyone wanting to make the house process easier and smoother.

Colin was great to work with. Being first time home buyers we had many questions. Colin took the time to explain everything thoroughly. He always answered are calls and was there when we needed him. Colin was always one step ahead and prepared us for each task. We highly recommend Colin. Thank you so much for helping us close on our dream property!

Colin did my home mortgage and he was very helpful all the way guiding me completely through the process and answering each and every question very patiently. He was very professional and coordinated with all the parties and ensured everything was completed on time very smoothly. I would highly recommend to anyone looking out for a home mortgage. Thanks!

We had a great experience with Colin. He was very transparent and communicative, really kind of held our hand through everything. I felt that he answered questions honestly, not just saying what he thought would get him business. And rates were competitive with the best I found elsewhere, which is obviously pretty important. Overall would definitely recommend!

Colin did our new home’s mortgage and blew away all of the top banks. Even with “high status” with some of the banks, they couldn’t touch the rate Colin was able to secure. Communication was outstanding and much easier working with someone local. He even popped for our closing to end with a friendly smile and handshake. 100% recommend Colin, as I’ll be referring from my own personal great experience. Top Notch!

Colin was great to work with and had some of the best rates I found. He was excellent at responding quickly and was open to calls, emails, or text which made communication quick and easy. The whole process was seamless and we closed last week without a hick-up. The small issue we encountered was pivoted quickly to not miss a step in moving things along. Definitely a great solution for purchasing. And will certainly look to Colin in the future if rates drop and a refi is necessary.

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 to getting everything done and keeping hopes on closing high! I’m just glad he was in our corner to help get everything done and he was always a phone call away! If he was unable to answer he actually let you know and contacted you back unlike a lot of people! Definitely recommend to all realtors looking for an all star Loan officer or anyone looking for a loan guy.

I was truly lucky to have stumbled upon Colin in looking for a lender and a broker with competitive rates. While he works virtual, he's very accessible! He got us an incredibly competitive rate for our new home and had us "cleared to close" weeks before closing (reads ZERO stress)! He even came by to say "hi" in-person after we closed! If you live in the greater Charlotte area, you have to work with him. He'll do everything the big banks can do and more because he represents MANY lenders, not just one. Thanks Colin! We may not be moving again anytime soon, but if rates change, you're first on my list to call for a refinance!

Colin was incredibly knowledgeable and a pleasure to work with throughout the mortgage loan process. He took the time to thoroughly review our financial situation and offered personalized guidance that led to more competitive rates. What truly stood out was his commitment, he went above and beyond to ensure we were well-informed at every step, making the underwriting process smooth and stress-free with fewer hurdles than expected. Colin is highly communicative, proactive in addressing concerns, and always quick to respond to questions. His transparency, professionalism, and deep understanding of lending options make him an outstanding choice for anyone seeking a home loan. Whether you’re a first-time buyer or a seasoned investor, I would highly recommend Colin for any lending needs. You’re in capable hands.

I searched for a company that could assist me with a refinance for my home. As I searched I had the same issue with everyone they were not completely willingly to help,they were not transparent with all details and one company actually lied to me about purchasing points to close the loan. I was fortunate by God's guidance to find Mr. Colin Whitermore Owner of Carolinas Capital Lending and was completely satisfied with Colin. Nothing was a secret he was transparent with my loan and made me feel comfortable and that he cared about helping me lower my interest rate and reducing years on the loan. Colin and I started as strangers but as we finished the loan process ended with a new friendship. If you are in need of a loan officer to help you reduce your interest rate,receive cash out or lower your loan term and definitely don't want the run around but a person that cares about your needs then contact Colin and you will not be disappointed.