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)

Over the past decade, Dave has emerged as one of the best and highest-producing loan originators in Johnston County, North Carolina (Raleigh/MSA). His reputation is built on kindness, responsiveness, clear communication, and having the heart of a teacher towards his clients and business partners. No success happens in a vacuum, and Dave attributes his success to God, his supportive family, loyal referral partners, fabulous co-workers, and good old-fashioned work! When not busy helping clients, Dave enjoys playing the keyboard and leading worship at his church, hiking and walking, and time with his wife and three (pretty much) 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

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.rate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about Rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at Rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.rate.com/insurance" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us </strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/@Rate_Official"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/rate_official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/rate-official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://x.com/Rate_Mortgages"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/official.Rate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Rate Logo"
                            data-src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            width="98"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
<p>
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
</p>
<p>
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. 
</p>
<p>
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
</p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                Copyright © 2025 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 
<br>
Operating as Guaranteed Rate, Inc. in New York.
<br>
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


9 Loan Officers Raleigh, NC