Carolina Mortgage Authority Incorporated NMLS 56995

Mortgage Lender serving Cary, NC

About Carolina Mortgage Authority Incorporated NMLS 56995

Carolina Mortgage Authority Inc. is a low-rate, low-fee mortgage lender proudly serving clients across North Carolina from its offices in Cary and Carolina Beach. As a veteran-owned business, the company is deeply committed to providing personal service and navigating clients through one of their most significant financial decisions: home financing.

The lender prides itself on offering some of the most competitive mortgage rates for both home purchase and refinance needs within North Carolina's Triangle and Coastal regions. They provide a diverse selection of home loan programs, including various fixed-rate, adjustable-rate, and hybrid options, ensuring tailored solutions for a wide range of borrowers, including first-time homebuyers and veterans.

Carolina Mortgage Authority emphasizes a transparent loan process, focusing on clarity regarding terms like loan-to-value ratios and credit scores. Their commitment to "Better Rates, Fewer Fees, Personal Service" is central to their mission, complemented by online tools like quick quote forms and payment calculators designed to simplify the mortgage journey for every client.

Company Information

Lender Type: Direct Lender
Headquarters: Carolina Beach, NC

Licensed In

NC

Certifications & Credentials

Veteran OwnedFHA ApprovedVA Approved

Digital Capabilities

Online Application
Digital Document Upload
Rate Calculator
Pre-Qualification Tool

Home Loan Products

Fixed Rate Mortgages

Loan Types:
ConventionalRefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
15 years20 years30 years
Credit Tiers:
Excellent (740+)
80%
Max LTV
740
Min Credit Score

Adjustable Rate Mortgages

Loan Types:
ConventionalRefinance
Rate Types:
Adjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years

FHA Loans

Loan Types:
FHARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
30 years
3.5%
Min Down Payment

VA Loans

Loan Types:
VARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramNo PMI ProgramLow Down Payment Program
Available Terms:
30 years
0
100%
Max LTV

Interest Only Mortgages

Loan Types:
Interest-OnlyRefinance
Rate Types:
Interest-Only
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation

Reverse Mortgages

Loan Types:
Reverse Mortgage
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
Retired

Contact Information

107 Edinburgh S Dr Ste 202
Cary, NC 27511
US
Mailing Address:
1335 Bridge Barrier Road #5 Carolina Beach, NC 28428

Connect With Us

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Business Information

Category: Mortgage Lender
Location: Cary, NC
Status: Standard
Type: Direct Lender
NMLS ID: 56995
Profile Views: 1

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