Using a common-sense approach to the mortgage loan process, I focus on helping the borrower choose the loan that fits them best through thorough discussions of their financial status and goals. A degree from Duke University and an MBA with a finance concentration enable me to simplify for my clients a process that can sometimes seem daunting.  As a Captain in the United States Air Force and as a Six Sigma Black Belt for General Electric, I honed my problem solving and communication skills and am very efficient and detail-oriented. It is not enough to know the guidelines; it is critical that you know how to artfully put together your unique story and provide the documentation to support it. I work with a top-notch team to ensure the mortgage process goes as smoothly as possible from the beginning of the transaction through the closing. We keep everyone up-to-date and informed, minimizing stress and completing the loan in a timely manner. Whether you are buying or refinancing your mortgage, my goal is to exceed your expectations every time you do business with us. I provide a personal level of service to go along with our high tech tools and am personally available to assist you via phone or face-to-face.   Rate Inc. is a direct mortgage lender able to offer its customers Fannie Mae and Freddie Mac Direct Loans, FHA Loans, USDA Loans, Veterans Administration Loans (VA), Construction Loans, Rehab Loans and First Time Buyer Loans. We also offer a variety of loans designed to help its customers with special concerns such as credit issues and income or asset verification issues.   Rate Inc. has the unique ability to offer its customers the lowest rates and largest selection of loan programs available from 40 of the nation’s largest wholesale lenders. When you contact me, I will advise you on the best loan program to meet your needs and locate the best price while maintaining complete control and responsibility for your loan from application to settlement. We are licensed in all 50 states and Washington, DC!  Sample of products and special situations: • Refinance & Purchase Loans • FHA 203(b) and 203k • USDA • VA • Conforming and Jumbo • First Time Home Buyers • Second Home and Investment Property Loans • Bank Statement Program for Self-Employed Borrowers • Recent Bankruptcy or Foreclosure • Foreign Nationals • Non-Warrantable Condos • Home Equity Loans and Home Equity Lines of Credit • Debt Consolidation • 100% Financing • Relocation • Divorcing • Tax Credits  If you have questions about the home buying process, or any mortgage questions, call today to speak with me personally at 919-802-7440.

VP of Mortgage Lending

Carolyn Nelson is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Carolyn is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Carolyn at (919) 256-6389 for more information!

Carolyn Nelson at Rate (NMLS #1179393)

With over 20 years in the mortgage business, I have built the foundation of my business on your long-term financial security and wealth accrual. Whether you are a first time homebuyer, refinancing a home or stepping out into the investment property arena, I have the knowledge to guide you along the way. You can always expect an authentic experience defined by honesty, integrity and fun! Mortgage financing is complicated and it requires the services of a confident and experienced professional to guide you through the entire process. Take advantage of that expertise by contacting me today.

VP of Mortgage Lending/DLO

Lynette Schehr is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lynette is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lynette at (919) 256-6399 for more information!

Lynette Schehr at Rate (NMLS #220712)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Patrick O'Connor is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Patrick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Patrick at (919) 606-6258 for more information!

Patrick O'Connor at Rate (NMLS #65076)

Kathryn has been a mortgage loan officer for 23 years and thrives on assisting individuals with all of their home financing needs. She helps first time homebuyers, move up buyers, buyers needing creative financing, secondary and investment property buyers, retirees, and anyone else that strives to be a part of the American Dream: Homeownership. She also enjoys helping clients save money through refinancing and offers advice to help improve their financial picture through utilizing a mortgage. Kathryn has lived in NC her entire life and the real estate industry has been a part of her family for decades. When she is not assisting clients, she loves to travel, play tennis and most importantly, spend time with her two sons. After graduating from college in 1999, she jumped into the mortgage business and never looked back. She looks forward to assisting you with your mortgage needs while providing consistent and stellar service.

Kathryn Youngs is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kathryn is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kathryn at (919) 796-3009 for more information!

Kathryn Youngs at Rate (NMLS #118229)

EVP, Divisional Manager

Lisa Mesler is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lisa is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lisa at (919) 701-6105 for more information!

Lisa Mesler at Rate (NMLS #450506)

Dave's reputation is built on kindness, responsiveness, clear communication, and hard work. As a Branch Manager for the Raleigh RATE office, he is in the trenches every day working on loans, studying guidelines, and helping match every client with the perfect loan for their situation. No success happens in a vacuum, and Dave attributes all his success to God, his supportive family, loyal referral partners, wonderful clients, and a fabulous company and co-workers! When not busy helping clients, Dave enjoys playing the keyboard, writing and arranging music, hiking, walking, and spending time with his wife and three grown kids.

Producing Branch Manager/VP of Mortgage Lending

Dave Mincy is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dave is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Dave at (919) 457-2125 for more information!

Dave Mincy at Rate (NMLS #1055109)

VP of Mortgage Lending/VP of Reverse Lending

Eric Colburn, CRMP is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Eric is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Eric at (919) 701-5932 for more information!

Eric Colburn, CRMP at Rate (NMLS #151293)

Kat Weaver is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kat is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kat at (919) 724-1164 for more information!

Kat Weaver at Rate (NMLS #461970)

Fina Curtis is your Raleigh local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Fina is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Fina at (919) 791-8440 for more information!

Fina Curtis at Rate (NMLS #414530)

Raleigh

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9 Loan Officers Raleigh, NC