We offer North Carolina's Lowest Mortgage Rates.

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Opening Time

Mon-Fri 9:00am - 5:00pm
Afterhours and weekends by appointment.

Services We Offer

$0 Cost Mortgages!

$0 Cost Mortgages!*

We offer multiple mortgage options including a $0 Cost Mortgage*. Don't let our competition fool you and say all $0 Cost Mortgages are the same...at Carolina Home Loans our $0 Cost Mortgages have the lowest rates!

*All mortgages have costs but at Carolina Home Loans we give you the option of using lender credits to pay some or all of the associated closing costs. You decide what option works best for you!

Re-finance Low Rate

Home Purchase

Buying a home can be the biggest financial transaction of your life. Whether you are a first-time home buyer or buying your dream home let us assist you with out awesome service and industry lowest rates.

We offer $0 down payment loans! Let us help you decide which mortgage is the best fit you your financial situation.

We offer Conventional, FHA, VA, USDA and Non-QM mortgages.

Let us get you Pre-Approved today!

Re-finance Cash Out

Refinance for Lower Rate and/or Cash Out

Want to refinance your mortgage to get a better rate? Need to refinance to get cash out or consolidate debt? Whether you are looking for a lower monthly payment or you want to use your home's equity we will help you find the perfect mortgage for your financial situation.

We will provide a free estimate showing options from $0 Cost* to full cost to assist you with finding the mortgage loan that benefits you the most. *All mortgages have costs but at Carolina Home Loans we give you the option of using lender credits to pay some or all of the associated closing costs. You decide what option works best for you!

Why Us

Independent Advice.

We are an independent mortgage broker committed to always give you independent advice regarding real estate and mortgage options. We don't work for the lender, we work for you! We work to earn your business and if we don't close your loan, we do not get paid.

Customer First.

Carolina Home Loans was founded in 1998 to provide an alternative to the "Big Bank" experience. You will work directly with the company's founder and owner, Eric McDonald. Eric will put his over 30 years experience to find the perfect mortgage for your financial situation.

Lowest Rates Available

By working with the company's owner, Eric McDonald, he will remove the unnecessary layers and keep costs lower than any in the industry.
Carolina Home Loans is paid directly by the lender at a level far lower than the competition and industry standards. The competition will charge upfront fees to try and lock you in with their company but we believe our awesome service and low rates are all we need to gain your trust and business. We are a small business and can't possibly close everyone's mortgage but the customers that are fortunate enough to work with us will get a great mortgage with one of the industry's lowest rates.

Fast, Convenient, Local Service.

Carolina Home Loans will close your loan fast! Need to close in 21 days? We can do it! Don't let your mortgage process get bogged down with the Big Banks. We strive to make the process simple, straight forward and hassle free. You can choose to have your closing at your home at a time that works for you. From Murphy to Manteo we cover North Carolina with unmatched service.

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Ready Get Pre-Approved ?

We are here to help you with the great deal in the market

Contact me today at eric@nocosthomeloan.com

Call me today with questions or to start your application.

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