About Carolyn Nelson
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.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 1511 Sunday Drive, Suite 302 Raleigh NC, 27607
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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