(800) 362-1997

  919 468 2870

  910 707 1600

Veteran Owned Business

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New Applicant or Returning Applicant
SSN: 010-00-1010 will get verbally 
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Ensure you Submit  

Once Submitted please gather minimum documents as follows 

  • Two most recent consecutive monthly bank statements to include both checking and savings account information. (ALL PAGES)!
  •  Most recent mortgage statement on current primary residence.
  •   All W2’s from 2019 and 2018 for all borrowers.
  • Two most recent paystubs to cover a full 30-day pay period showing year to date earnings for all borrowers.
  • Copy of Driver’s License and Social Security Card for all borrowers. 
  •  Copy of Settlement Statement from last Refinance or Purchase of home.
  • Copy of NOTE from last Refinance and/or Purchase of home.
  •  Documentation on any HOA dues paid out on all real estate owned such as a recent invoice, etc…
  • Name and telephone number for insurance company and agents name.

No Points           No Origination           No Lender Commitment fee

                   Only 5 Bonafide Fees:
-Credit -Appraisal -Attorney -Title -Recording Fee

          See what people are saying about us here 
    https://bestlocalreviews.com/r/carolina-mortgage-                     authority-incorporated-cary-nc 

Today's Low Rates

No Origination No Points

30 Year Fixed 3.750% 3.816%
VA 30 Year Fixed 2.875% 2.888%
20 Year Fixed 3.625% 3.696%
15 Year Fixed 3.250% 3.339%

Carolina Mortgage Authority is a low rate, low fee North Carolina Corporation with offices located in Cary & Carolina Beach. We proudly service clients from the Triangle to the Coast & throughout NC.

Carolina Mortgage Authority is your local North Carolina mortgage lender for home purchase and refinance in Cary, ApexRaleigh, Holly Springs, Chapel Hill, Fuquay-Varina, Wake Forest Morrisville and Wilmington. We understand that home financing is one of the most important financial decisions you will make, and we'll walk you through the home loan process every step of the way.

Home Purchase Loans

If you are interested in purchasing a home, whether you are a first time home buyer, or have done this all before, we pride ourselves in offering some of the best mortgage rates in NC and surrounding areas. We have multiple home loan programs to choose from, 30 year mortgages, 15 year mortgages, fixed rate mortgage, adjustable mortgage, each with unique advantages to suit your financing needs. Fill out our “Quick Quote” form above for an accurate and honest mortgage rate quote.

Mortgage Refinance

If you need to refinance your home loan, we can review your current mortgage and provide you with the best home refinancing options for your goals. Whether you need to lower your mortgage interest rate and monthly payments, or tap into the equity of your home, we will help you find the right refinance program.

North Carolina Mortgage Rates

Use our Mortgage Payment Calculator to get a rate quote for Cary, Raleigh, Holly Springs, Chapel Hill, Fuquay-Varina, Wake Forest or Morrisville is EASY. Take 30 seconds to fill out the form and one of our mortgage lenders will contact you as soon as possible to go over your options.