Carolina Home Loans wants to earn the right to be your Mortgage Broker for Life!
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. 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.
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.
Use our industry low rates to get a $0 Cost Mortgage*! Let us provide you quotes for Full Cost, Reduced Cost and $0 Cost Mortgages. We will work with you to decide which mortgage loan works best for your financial situation. If getting the lowest Mortgage Rate is important to you make sure you get a free, no hassle quote for Carolina Home Loans.
*All mortgage loans have closing costs but we give you the option to select a rate that offers lender credit that pays some or all of the associated closing costs.
Services We Offer
$0 Cost Mortgages!
We will offer you multiple mortgage options including a $0 Cost Mortgage*. Don't let the competition fool you and say all $0 Cost Mortgages are the same...at Carolina Home Loans our $0 Cost Mortgages have lower rates!
*All mortgage have closing costs but we give you the option to use lender credit to pay some or all of the associated closing costs.
Home Purchase
Buying a home can be the biggest financial transaction of your life. Whether you are a first-time buyer or buying your dream home let us assist you with our awesome service and industry lowest rates. We offer $0 Down Payment loans! Let us help you decide which mortgage is best for you. We offer Conventional, FHA, VA, USDA and Non-QM mortgages. Let's get you Pre-Approved today!
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 you financial situation.
Contact now
Company's Founder & Owner is your Contact
You will deal directly with the company's founder & owner, Eric McDonald. Eric has over 30 years experience in mortgage lending. Carolina Home Loans was founded in 1998 to provide an alternative to the "Big Bank" experience.