Steven Earl Carter

Glad you're here! I'm Steve Carter and I lead a team of mortgage professionals ready to help you achieve your home financing goals and possibly save you thousands in the process. With nearly 30 years' experience in the mortgage field, I understand that a home is more than a roof over your head, it's a big part of your financial life. That's why getting the right mortgage matters. We believe the right mortgage can help you shape a strong financial future. My team and I work hard to match home lending solutions to your unique needs and situation: Family or individual, military, self-employed, first-time home buyers and even those who believe they're credit challenged. If you've experienced what I call credit hiccups, let's talk. If you've been denied lending elsewhere, don't feel you're necessarily excluded from getting a mortgage. We've worked up solutions for people with credit scores in the 500s. Here's how we can help you get that mortgage: WE'RE A DIRECT LENDER We offer home loan options--many not available at other banks--at competitive rates. That gives us the flexibility to help people from all walks of life and financial situations plus those not meeting typical lending conditions. We're not a broker. We're a one-stop shop where we can control your application entirely in-house. That gives us the ability to move your application quickly to closing while personally managing any bumps encountered along the way. EXPERIENCED WHERE IT MATTERS We know the lending process and can head off most challenges before they become showstoppers. Plus we can make sure you're a preapproved homebuyer fully armed with tips on getting a home price that may save you thousands of dollars. WE CAN HELP YOU PURCHASE, REFINANCE OR CASH OUT Primary Residence | Second Home | Investment Property | Condo | Construction SAMPLING OF MORTGAGES WE CAN HELP YOU OBTAIN VA | FHA | USDA | Conventional | Non-Conventional BEST OF ALL--WE'RE NOT A CALL CENTER OR AN APP You have our personal attention from your first call. We listen to learn what you want, when you want it and how. That's how we find the right lending solution that may give you a financial advantage today and tomorrow. Looking forward to hearing from you. I'm excited to see what my team and I can do for you today.