Best Mortgage Brokers in Cary, North Carolina

    Areas served: Cary, NC and surrounding Wake County

    28 local businessesRanked by Lantern Score — a measure of reputation and business quality. We don't accept payment for placement.
    Updated April 16, 2026

    Cary's mortgage market serves one of the Triangle's most dynamic communities, where strong home values and diverse buyer demographics—from Research Triangle Park professionals to growing families—create demand for specialized loan programs. Local mortgage brokers navigate financing for properties ranging from established neighborhoods like Preston and MacGregor Downs to newer developments in West Cary, working with conventional, FHA, VA, and jumbo loan products. The broker landscape includes independent professionals with deep regional lender relationships and branch offices of larger firms serving Wake County's competitive real estate market.

    Show businesses best for:
    86
    Lantern
    Score
    Cary, NC
    Serves Cary, NC and surrounding Triangle area
    ★★★★★5.0(365 Google reviews)

    VIVA Lending Group LLC is a Cary-based mortgage broker led by Suneel Kommireddy, specializing in home purchase loans, refinancing, and cash-out refinances. The team provides personalized rate quotes, fast pre-approval letters, and detailed refinance analysis through free online tools, with a focus on streamlined digital processes and closing loans in under 30 days. They help homebuyers and homeowners access competitive mortgage rates across multiple loan programs.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, existing homeowners refinancing, borrowers seeking competitive rate shopping, buyers in a time-sensitive purchase
    What sets them apart
    • VIVA Lending Group specializes in streamlined online applications and quick closings, typically funding loans in less than 30 days.
    • Clients can shop and compare rates across multiple loan options without obligation, empowering them to find the best terms for their situation.
    • Led by Suneel Kommireddy, the company has an experienced team of brokers on staff ready to provide personalized guidance and analysis.
    Mortgage BrokerHome Purchase LoansRefinancingFast Pre-ApprovalRate Comparisons
    VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)
    Updated 4/16/26Learn More →
    86
    Lantern
    Score
    Cary, NC
    Serves Cary and surrounding areas in Wake County, North Carolina
    ★★★★★5.0(328 Google reviews)

    Pathway Mortgage Group, Inc. is a Cary-based mortgage broker specializing in home purchase loans and refinancing for both first-time buyers and experienced homeowners. They offer fast pre-approval letters, competitive rate comparisons, cash-out refinancing options, and streamlined online applications designed to close loans in approximately 30 days. The team of experienced mortgage advisors helps clients navigate loan options, property evaluations, and strategic refinancing to secure the best possible terms.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, homeowners seeking refinance options, borrowers wanting to compare rates before committing, property owners looking to access equity through cash-out refinancing
    What sets them apart
    • Pathway Mortgage Group closes loans in approximately 30 days with streamlined, 100% online applications and efficient approval processes designed to prevent clients from missing out on desired properties.
    • Their free rate comparison tools and personalized quotes empower borrowers to shop around and find the best terms rather than accepting the first offer, ensuring competitive rates across loan products.
    • Beyond standard mortgages, they offer cash-out refinancing, property evaluations, and strategic refinance planning to help clients build equity and access home value for other financial goals.
    Mortgage BrokerHome Purchase LoansRefinancingFast ApprovalRate Comparison
    Pathway Mortgage Group, Inc.
    Updated 4/16/26Learn More →
    85
    Lantern
    Score
    Chapel Hill, NC · 16 mi from Cary
    Serves Chapel Hill, Durham, Raleigh, and throughout North Carolina
    ★★★★★5.0(316 Google reviews)

    Carolina Ventures Mortgage is an independent mortgage broker based in Chapel Hill serving the entire North Carolina Triangle region and beyond. Led by Whitney Bulbrook, the company specializes in streamlined home purchases and refinancing with same-day pre-approvals, 24-hour underwriting, and 10-business-day closings. They offer 100% e-signature processing and personalized service for first-time homebuyers, repeat buyers, and refinancing clients across Chapel Hill, Durham, Raleigh, and throughout North Carolina.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, home purchase buyers, homeowners seeking refinancing, borrowers wanting fast closings
    What sets them apart
    • Carolina Ventures is recognized as the #1 mortgage broker in North Carolina with a simplified loan process that stands out from traditional banks.
    • They offer same-day pre-approvals and 10-business-day closings with 24-hour underwriting, significantly faster than typical mortgage processes.
    • Full online application and completely paperless e-signature closing makes the entire process convenient and modern.
    Mortgage BrokerFast ClosingsPre-ApprovalsRefinancingFirst-Time Buyers
    Phone(919) 260-6020
    Carolina Ventures Mortgage
    Updated 4/16/26Learn More →
    85
    Lantern
    Score
    Durham, NC · 11 mi from Cary
    Serves Durham, NC and surrounding areas including Waxhaw, SC and Virginia Beach, VA
    ★★★★★5.0(278 Google reviews)

    RTP Nationwide Mortgage is a mortgage broker based in Durham, NC, offering access to multiple lenders through a single application and credit report. Their experienced loan originators help borrowers find custom-fit loan products tailored to individual financial situations, simplifying the mortgage process from start to finish. With branches in Durham, Waxhaw, and Virginia Beach, they serve borrowers across the Southeast seeking clarity and personalized guidance.

    Best for: Competitive Rates
    Ideal clients: First-time homebuyers, borrowers comparing multiple lenders, those seeking personalized loan guidance
    What sets them apart
    • One application and credit report connects you to options from many lenders, eliminating duplicate paperwork and saving time.
    • Loan originators evaluate a wide array of loan products to recommend the best fit for your specific financial situation.
    • Licensed and operating across NC, SC, VA, and FL with multiple branch locations for convenient access.
    Mortgage BrokerMultiple LendersCustom LoansProfessional Guidance
    Phone(252) 565-0268
    RTP Nationwide Mortgage
    Updated 4/16/26Learn More →
    85
    Lantern
    Score
    Durham, NC · 8 mi from Cary
    Serves Durham, Raleigh, Chapel Hill, and the Triangle area; licensed in NC, SC, and VA
    ★★★★★5.0(125 Google reviews)

    Blackwell Mortgage of NC is a mortgage broker serving the Triangle area and licensed in North Carolina, South Carolina, and Virginia. Founded by April Young Blackwell, the company specializes in customized mortgage solutions for homebuyers (including first-time buyers, investors, and co-buyers), homeowners refinancing, and self-employed borrowers. As a broker rather than a lender, Blackwell shops multiple loan programs to find the best fit for each client's unique financial situation, offering conventional, FHA, VA, USDA, jumbo, and non-QM loans, plus specialized programs for real estate investors and business owners. The company is committed to providing personalized financial guidance, pre-underwriting loans for smooth closings, and giving back to the community through charitable donations with every loan.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, self-employed professionals, real estate investors, co-buyers, homeowners refinancing, military veterans with VA loan benefits, borrowers seeking jumbo loans
    What sets them apart
    • As a mortgage broker, Blackwell shops loans across multiple lenders based on rate, fees, and lender fit with your unique financial needs — not limited to a single lender's products.
    • Offers Full Doc, Non-QM, and DSCR loans specifically designed for self-employed borrowers and real estate investors (rentals, BRRRR, fix-and-flip), including programs for business owners.
    • Donates at least $100 per closed loan to local nonprofits, with community matching to double impact on children and families in need.
    Mortgage BrokerFirst-Time HomebuyersRefinancingVA LoansSelf-Employed Mortgages
    Phone(919) 673-7905
    Blackwell Mortgage
    Updated 4/16/26Learn More →
    85
    Lantern
    Score
    Cary, NC
    Serves Cary, Apex, and surrounding areas in the Research Triangle region of North Carolina
    ★★★★★5.0(122 Google reviews)

    Stephen Livesay is a mortgage loan originator with Silverton Mortgage, specializing in personalized financing solutions for homebuyers in the Cary and Apex areas. He offers a full range of loan programs including conventional mortgages, FHA loans for first-time buyers, HomeReady mortgages with flexible down payments, and jumbo loans for higher-value properties. Stephen takes time to understand each client's unique situation and guides them through the mortgage process with a focus on clarity and reducing stress.

    Best for: First-Time HomebuyersCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, buyers with flexible down payment resources, borrowers seeking jumbo loans, buyers with varied credit profiles
    What sets them apart
    • Stephen evaluates each client's specific circumstances to recommend the right loan product and rate, rather than pushing a one-size-fits-all approach.
    • Offers conventional, FHA, HomeReady, and jumbo loan programs with flexible down payment options starting as low as 3%, including support for first-time buyers and those with lower credit scores.
    • Emphasizes clear communication and guidance from day one to make the mortgage experience straightforward and confidence-building for clients.
    Mortgage LoansFirst-Time BuyersFHA LoansConventional MortgagesJumbo Loans
    Phone(919) 656-4516
    Stephen Livesay, NMLS: 302285 - Silverton Mortgage
    Updated 4/16/26Learn More →
    85
    Lantern
    Score
    Holly Springs, NC · 9 mi from Cary
    Serves Holly Springs, NC and surrounding areas
    ★★★★★5.0(100 Google reviews)

    Lighthouse Lending is a mortgage brokerage in Holly Springs, NC led by Austin and his team, specializing in home purchase loans and refinancing. They offer access to multiple lenders to help clients find competitive rates and streamlined loan processing with fast closings. The team is known for responsive, knowledgeable service and going above and beyond to get clients the best terms in a timely manner.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, homeowners refinancing existing mortgages, buyers seeking multiple loan options
    What sets them apart
    • As a mortgage broker, Lighthouse Lending partners with multiple lenders to help clients compare rates and find the best loan terms for their specific situation.
    • Led by Austin and his team, they emphasize quick response times and personalized service throughout the loan process, from initial quote to closing.
    • The team handles both home purchases and refinances, with experience helping clients secure competitive rates and close loans efficiently.
    Mortgage BrokerHome LoansRefinancingFast ClosingLocal Expert
    Phone(919) 523-2505
    Lighthouse Lending
    Updated 4/16/26Learn More →
    85
    Lantern
    Score
    Chapel Hill, NC · 16 mi from Cary
    Serves North Carolina and South Carolina
    ★★★★★5.0(93 Google reviews)

    Carolina Home Mortgage is a family-owned mortgage broker serving North and South Carolina since 2000. Rather than lending directly, they represent multiple lenders to find the best mortgage solutions for each client's financial situation. Their team of six licensed loan officers specializes in first-time homebuyer programs, VA loans, FHA loans, USDA loans, refinancing, and cash-out options—with a focus on personalized service and fast pre-approval (15 minutes).

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, Veterans, Homeowners seeking refinancing, Buyers in rural or suburban areas
    What sets them apart
    • As a mortgage broker, they work with many lenders to compare options and often find better rates than direct lenders or banks. Their commission is typically paid by the lender, not the borrower.
    • They offer FHA loans, VA loans, USDA loans, and cash-out refinancing—covering first-time buyers, veterans, rural buyers, and homeowners looking to tap home equity.
    • Customers can complete pre-approval in just 15 minutes, streamlining the initial step of the home-buying process.
    Mortgage BrokerFirst-Time BuyersRefinancingVA LoansLocal Since 2000
    Carolina Home Mortgage 39862
    Updated 4/16/26Learn More →
    85
    Lantern
    Score
    Raleigh, NC · 5 mi from Cary
    Serves Raleigh, NC and surrounding Wake County areas
    ★★★★★5.0(91 Google reviews)

    Dave Mincy is a VP of Mortgage Lending with Guaranteed Rate, a major fintech mortgage lender based in Raleigh, NC. He specializes in helping homebuyers and refinancers find the right mortgage through fast, transparent processes — offering everything from conventional loans and VA/FHA/USDA programs to jumbo loans, physician loans, and foreign national financing. Dave is known for his responsiveness, clear communication, and personalized approach to matching clients with loan products that fit their specific situation, whether they're first-time buyers, self-employed professionals, veterans, or luxury home purchasers.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, Veterans and military families, Self-employed professionals, Luxury home buyers, Refinancing homeowners
    What sets them apart
    • Dave offers accelerated timelines through Guaranteed Rate's Same-Day program, allowing borrowers to get loan approval in as little as one day with down payment options starting at 3%.
    • Beyond standard mortgages, Dave offers niche programs including VA loans (0% down), physician loans (5% down), bank statement loans for self-employed borrowers, foreign national financing, and reverse mortgages for seniors.
    • Through Guaranteed Rate's mobile app and online platform, borrowers can apply in minutes, monitor loan status, access tools and calculators, and get 5-minute approvals from anywhere without traditional in-person requirements.
    Mortgage LendingHome LoansVA LoansFast ApprovalRefinancing
    Phone(919) 457-2125
    Dave Mincy, Guaranteed Rate, Inc. NMLS 1055109
    Updated 4/16/26Learn More →
    84
    Lantern
    Score
    Raleigh, NC · 10 mi from Cary
    Serves Raleigh and surrounding areas, North Carolina
    ★★★★★5.0(82 Google reviews)

    Ignite Mortgage Group, LLC is a Raleigh-based mortgage lender offering personalized loan solutions for homebuyers and refinancing clients across North Carolina. They specialize in multiple loan programs including conventional, FHA, VA, and jumbo mortgages, with a focus on fast pre-approval and flexible terms. Their team works directly with borrowers to customize financing options that fit individual financial situations and goals.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, refinancing homeowners, jumbo loan applicants
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo mortgages to serve diverse borrower needs and financial situations.
    • Based in Raleigh with direct knowledge of the local real estate market and community lending requirements.
    • Streamlined pre-approval process designed to move quickly so borrowers can make competitive offers.
    Mortgage LenderHome LoansRefinancingVA LoansFHA Loans
    Phone(919) 260-4295
    Ignite Mortgage Group, LLC - Raleigh Mortgage Company
    Updated 4/16/26Learn More →
    84
    Lantern
    Score
    Raleigh, NC · 13 mi from Cary
    Serves Raleigh and surrounding areas, North Carolina
    ★★★★★5.0(82 Google reviews)

    Tammi Rowe is a mortgage loan officer with Movement Mortgage, an Impact Lender, based in Raleigh, NC. She specializes in helping homebuyers find the right loan program for their unique situation, from first-time buyers to investment property financing. Movement Mortgage commits nearly 50% of profits to community impact, combining personalized service with social responsibility.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, investment property investors, homeowners seeking refinancing, borrowers who value community impact
    What sets them apart
    • Movement Mortgage commits nearly 50% of profits to lifting up communities, making this a socially responsible choice for mortgage financing.
    • Known for efficient and quick closings, with streamlined online application and payment processing available 24/7.
    • Offers personalized loan matching including conventional, investment property, and specialized programs tailored to individual borrower situations.
    Mortgage LoansRefinancingFirst-Time BuyersInvestment PropertiesImpact Lender
    Phone(919) 624-5550
    Tammi Rowe, Mortgage Lender, NMLS 117643
    Updated 4/16/26Learn More →
    84
    Lantern
    Score
    Cary, NC
    Serves Cary, NC and throughout North Carolina
    ★★★★★5.0(78 Google reviews)

    7 Locks Lending, led by mortgage advocate Steve Wingerter, specializes in home purchase mortgages and refinancing throughout North Carolina. They offer a comprehensive range of loan programs including conventional, VA, FHA, USDA, Jumbo, and non-traditional options (bank statement loans), plus first-time buyer programs with down payment options as low as 1% with grants. Beyond mortgages, 7 Locks connects clients with trusted local professionals including financial advisors, CPAs, realtors, and home service providers, and provides ongoing support through annual reviews, refinancing opportunities, and PMI removal strategies.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, self-employed and non-traditional income borrowers, refinancing homeowners, investors seeking investment property financing
    What sets them apart
    • Works with top-tier wholesale lending partners to shop the market on your behalf, securing competitive rates and loan programs tailored to your specific needs rather than forcing you into limited options.
    • Offers down payment solutions as low as 1% with grant programs and 3% conventional options, making homeownership accessible to first-time buyers who don't have 20% saved.
    • Stays connected with clients through annual reviews, proactive refinancing opportunities, and connections to trusted local professionals—treating the relationship as ongoing guidance rather than a one-time transaction.
    Mortgage BrokerHome PurchaseRefinancingFirst-Time BuyersVA/FHA Loans
    Phone(919) 412-5375
    7 Locks Lending — Mortgages & Refinancing
    Updated 4/16/26Learn More →
    83
    Lantern
    Score
    Cary, NC
    Serves Cary, NC and surrounding Triangle area
    ★★★★★5.0(46 Google reviews)

    Revolution Mortgage is a full-service mortgage lender with a Cary branch offering home loans, refinancing, and pre-approval services. Led by experienced loan officers like Rumi Rodes and April, they guide clients through the entire mortgage process—from application and pre-approval through rate locking and closing—with an average timeline of 22 days from loan estimate to closing. They also connect borrowers without real estate agents to local agents, making homeownership accessible and streamlined.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, refinancers, rental property investors, buyers without real estate agents
    What sets them apart
    • Average 22 days from loan estimate to closing, allowing borrowers to move quickly on home purchases.
    • Experienced team members like Rumi Rodes and April provide personalized guidance and handle all documentation details to simplify the process.
    • For buyers without an agent, Revolution Mortgage connects you with local real estate professionals to complete your team.
    Mortgage LenderHome LoansRefinancingPre-ApprovalFast Closing
    Phone(252) 472-0005
    Revolution Mortgage
    Updated 4/16/26Learn More →
    83
    Lantern
    Score
    Apex, NC · 4 mi from Cary
    Serves Apex, Cary, Raleigh, and surrounding Triangle area; licensed in North Carolina, South Carolina, and Virginia
    ★★★★★4.9(129 Google reviews)

    GoPrime Mortgage is a residential mortgage lender serving North Carolina, South Carolina, and Virginia. Steve Cooper, a branch manager and loan officer with over 25 years of experience in the Triangle market, leads the Apex office. GoPrime offers conventional loans, FHA loans, VA loans, USDA loans, and refinancing options tailored to borrowers at all credit levels—from first-time homebuyers to experienced executives. Steve and his team prioritize clear communication throughout the mortgage process to ensure efficient, stress-free approvals.

    Best for: First-Time HomebuyersVeteransRefinancing
    Ideal clients: First-time homebuyers, Veterans and military service members, Homeowners seeking to refinance, Borrowers with varying credit profiles
    What sets them apart
    • Steve Cooper has been a top-producing mortgage originator in the Triangle market for over 25 years, with deep personal knowledge of the Apex and Cary communities since 1975.
    • GoPrime offers conventional, FHA, VA, and USDA loans plus refinancing, with experience serving borrowers at all credit levels and life stages.
    • Steve's team maintains constant communication throughout the mortgage process to ensure efficient approvals and a stress-free experience for borrowers.
    Mortgage LenderVA LoansFHA LoansRefinancingFirst-Time Buyers
    Phone(919) 412-9868
    GoPrime Mortgage, Inc. - Steve Cooper
    Updated 4/16/26Learn More →
    83
    Lantern
    Score
    Raleigh, NC · 11 mi from Cary
    Serves Raleigh, NC and throughout the Southeast including North Carolina, South Carolina, Virginia, Florida, Tennessee, and surrounding regions
    ★★★★★4.9(128 Google reviews)

    Dash Home Loans is a Southeast-based mortgage lender specializing in home purchases and refinancing with a streamlined, no-middleman approach. Founded on the principle of simplifying what they call a typically complicated process, they offer conventional loans, FHA, VA, USDA, jumbo, and investment property loans to first-time buyers, experienced homeowners, and borrowers with unique circumstances. Their signature offering is a Loan Closing Guarantee—if you don't close as expected, they pay $5,000 to you and $5,000 to the seller—backed by dedicated Mortgage Coaches who guide clients step-by-step through the application and closing process.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time home buyers, experienced homebuyers seeking faster refinancing, self-employed or non-traditional borrowers, real estate agents representing clients throughout the Southeast
    What sets them apart
    • Dash backs all pre-qualifications with a $10,000 guarantee ($5,000 to borrower, $5,000 to seller if closing doesn't happen as expected). This unique guarantee strengthens offers to sellers and provides peace of mind throughout the loan process.
    • Each borrower works with a dedicated Mortgage Coach who guides them step-by-step, eliminating the middleman approach common at traditional lenders and reducing miscommunication and delays.
    • Offers conventional, FHA, VA, USDA, jumbo, ARM, and investment property loans designed to match borrowers with the best loan type for their specific situation, whether first-time buyer or experienced homeowner.
    Home LoansRefinancingMortgage CoachesSoutheast LenderClosing Guarantee
    Phone(919) 891-8705
    Dash Home Loans
    Updated 4/16/26Learn More →
    83
    Lantern
    Score
    Cary, NC
    Serves Cary, Raleigh, and surrounding areas in North Carolina
    ★★★★★4.9(125 Google reviews)

    First Home Mortgage is a mortgage lender serving the Cary and Raleigh area, offering personalized loan options to help homebuyers and refinancers achieve homeownership. With a focus on customer service and competitive rates, they work with borrowers of all credit profiles to find the right financing solution. Their team provides clear guidance through the mortgage process, making it straightforward for first-time buyers and experienced homeowners alike.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, existing homeowners seeking refinancing, buyers with diverse credit profiles, homebuyers in the Triangle area
    What sets them apart
    • Works with borrowers across all credit profiles to find competitive mortgage solutions tailored to individual financial situations.
    • Office-based team in Cary provides direct access to loan officers who understand the local real estate market and can guide clients through the entire mortgage process.
    • Specializes in helping first-time homebuyers navigate financing options with clear explanations and straightforward processes.
    Mortgage LendersHome LoansRefinancingFirst-Time BuyersRaleigh-Cary
    Phone(919) 300-3010
    First Home Mortgage - Cary/Raleigh
    Updated 4/16/26Learn More →
    83
    Lantern
    Score
    Raleigh, NC · 5 mi from Cary
    Serves Raleigh and surrounding areas, North Carolina
    ★★★★★5.0(42 Google reviews)

    Guaranteed Rate of Raleigh, led by experienced mortgage professional Carolyn Nelson, provides comprehensive home financing solutions including conventional loans, FHA loans, VA loans, and refinancing options. Carolyn works with borrowers throughout the Raleigh area to secure competitive mortgage rates and guide them through the lending process with personalized service. As part of Guaranteed Rate, one of the nation's largest mortgage lenders, this office combines local expertise with access to multiple loan programs and fast pre-approval capabilities.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, VA loan borrowers, homeowners refinancing, buyers seeking multiple lender options
    What sets them apart
    • Backed by Guaranteed Rate's resources and technology as one of the nation's largest mortgage lenders, with personalized service from a local loan officer.
    • Offers conventional, FHA, VA, and refinancing solutions to serve diverse borrower needs and financial situations.
    • Streamlined approval process to help borrowers move quickly in competitive real estate markets.
    Mortgage LenderHome LoansRefinancingVA LoansFHA Loans
    Phone(919) 256-6389
    Websiterate.com
    Guaranteed Rate of Raleigh - Carolyn Nelson NMLS 1179393
    Updated 4/16/26Learn More →
    83
    Lantern
    Score
    Raleigh, NC · 7 mi from Cary
    Serves Raleigh, NC and surrounding areas
    ★★★★★5.0(35 Google reviews)

    First Heritage Mortgage, LLC is a locally-based mortgage lender serving the Raleigh area and surrounding communities. They offer a full range of mortgage products including conventional loans, FHA loans, VA loans, and refinancing options to help homebuyers and homeowners achieve their financing goals. With a focus on personalized service and competitive rates, First Heritage Mortgage works with borrowers at every stage of the home buying or refinancing journey.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, VA loan borrowers, homeowners refinancing, FHA loan applicants
    What sets them apart
    • Based in Raleigh with deep knowledge of the local real estate market and community lending needs.
    • Offers conventional, FHA, VA, and refinancing options to serve diverse borrower profiles and financial situations.
    • Provides direct consultation and guidance throughout the mortgage process, not just automated online processing.
    Mortgage LenderHome LoansRefinancingVA LoansFHA Loans
    Phone(919) 378-1532
    Websitefhmtg.com
    First Heritage Mortgage, LLC - Raleigh
    Updated 4/16/26Learn More →
    83
    Lantern
    Score
    Raleigh, NC · 9 mi from Cary
    Serves Raleigh, NC and surrounding areas
    ★★★★★4.9(71 Google reviews)

    MortgageMecca, Inc. is a mortgage lending company serving the Raleigh area and beyond, offering a full range of home loan products including conventional, FHA, VA, and jumbo loans. The team specializes in personalized service and competitive rates to help homebuyers and refinancers navigate the mortgage process efficiently. With a focus on accessibility and transparent guidance, MortgageMecca works with borrowers at every stage—from first-time buyers to experienced investors.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, Current homeowners refinancing, Military members with VA eligibility, Buyers seeking jumbo loans
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loan options to serve diverse borrower needs and financial profiles.
    • Based in Raleigh with direct access to loan specialists who understand the local real estate market and community.
    • Provides one-on-one guidance and transparent communication throughout the mortgage application and approval process.
    Mortgage LenderHome LoansRefinancingVA LoansFHA Loans
    Phone(919) 618-3716
    MortgageMecca, Inc.
    Updated 4/16/26Learn More →
    82
    Lantern
    Score
    Cary, NC
    Serves Cary, NC and surrounding areas
    ★★★★★5.0(30 Google reviews)

    Exhale Lending LLC is a mortgage lender based in Cary specializing in personalized home financing solutions. They work with borrowers to find competitive loan options tailored to individual financial situations, offering a streamlined application process and responsive customer service. Whether you're a first-time homebuyer, refinancing an existing mortgage, or looking for specialized loan programs, Exhale Lending provides expert guidance to help you achieve homeownership.

    Best for: Refinancing
    Ideal clients: First-time homebuyers, Borrowers refinancing existing mortgages, Homebuyers seeking personalized loan solutions
    What sets them apart
    • Exhale Lending works with borrowers to find loan programs that align with their specific financial goals and circumstances, rather than forcing a one-size-fits-all approach.
    • The team provides direct communication and timely updates throughout the mortgage process, helping borrowers understand their options and feel confident in their decision.
    • Exhale Lending simplifies the mortgage application process to reduce paperwork burden and expedite approval timelines.
    Mortgage LenderHome FinancingLoan ServicesCary NC
    Exhale Lending LLC
    Updated 4/16/26Learn More →
    82
    Lantern
    Score
    Apex, NC · 4 mi from Cary
    Serves Raleigh-Durham-Chapel Hill area and surrounding North Carolina communities
    ★★★★★4.9(53 Google reviews)

    Carolina Equity Services, Inc. is a mortgage and financing company serving the Raleigh-Durham area from their Apex office. They specialize in home loans, refinancing, and equity-based financing solutions for homeowners and buyers. With strong local expertise and a track record of personalized service, they help clients navigate mortgage options tailored to their financial situations.

    Best for: Refinancing
    Ideal clients: Home buyers seeking personalized mortgage service, homeowners exploring refinancing options, borrowers needing equity-based financing
    What sets them apart
    • Based in Apex with deep knowledge of the Triangle real estate market and local lending practices.
    • Offers home loans, refinancing, and equity-based financing to serve different homeowner needs and financial situations.
    MortgagesHome LoansRefinancingEquity FinancingLocal Lender
    Carolina Equity Services, Inc.
    Updated 4/16/26Learn More →
    82
    Lantern
    Score
    Holly Springs, NC · 9 mi from Cary
    Serves Holly Springs, NC and surrounding areas
    ★★★★★5.0(29 Google reviews)

    Sunset Lake Mortgage, led by Steve Trease, is an independent mortgage broker serving the Holly Springs and greater North Carolina area. As a mortgage broker rather than a bank, they connect borrowers with multiple lenders to find competitive rates and loan programs tailored to each client's financial situation. They specialize in helping first-time buyers navigate the mortgage process while also serving refinancing clients and those with unique financing needs.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time home buyers, refinancing homeowners, buyers seeking competitive rates, individuals with unique financing situations
    What sets them apart
    • As an independent broker, Sunset Lake Mortgage can shop loans across multiple lenders to find the best rates and terms for each client, rather than being limited to one bank's offerings.
    • Steve Trease personally guides clients through the mortgage process, offering personalized service and local market expertise for the Holly Springs and Triangle area.
    Mortgage BrokerHome LoansRefinancingFirst-Time BuyersCompetitive Rates
    Sunset Lake Mortgage - Steve Trease Mortgage Broker
    Updated 4/16/26Learn More →
    82
    Lantern
    Score
    Raleigh, NC · 14 mi from Cary
    Serves Raleigh, NC and surrounding areas
    ★★★★★5.0(398 Google reviews)

    Raleigh Mortgage Group is an independent mortgage lender serving the Raleigh area and beyond, specializing in home loans for first-time buyers, refinancing, and various loan programs including VA, FHA, and jumbo mortgages. Led by experienced loan officers, they focus on personalized service and competitive rates to help borrowers navigate the mortgage process with clarity and confidence.

    Best for: First-Time HomebuyersVeteransRefinancingLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, refinancing homeowners, jumbo loan applicants
    What sets them apart
    • Offers VA loans, FHA loans, jumbo mortgages, and conventional financing to serve diverse borrower needs and financial situations.
    • Streamlined application and pre-approval process helps buyers move quickly in competitive real estate markets.
    • As an independent mortgage company, they provide flexible options and personalized service without corporate constraints.
    Mortgage LenderHome LoansRefinancingVA LoansFirst-Time Buyers
    Raleigh Mortgage Group
    Updated 4/16/26Learn More →
    82
    Lantern
    Score
    Cary, NC
    Serves Cary and surrounding areas of North Carolina
    ★★★★★4.8(243 Google reviews)

    The Sherry Riano Team at Developer's Mortgage Company specializes in residential mortgage lending for homebuyers and refinancers throughout North Carolina. Led by Sherry Riano, the team provides personalized loan origination services including conventional, FHA, VA, and jumbo loan programs with a focus on fast pre-approval and competitive rates. Known for their responsiveness and deep knowledge of the local market, they guide clients through every step of the mortgage process.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive RatesLuxury Homes
    Ideal clients: First-time homebuyers, VA loan borrowers, FHA loan applicants, home refinancers, jumbo loan seekers
    What sets them apart
    • Offers conventional, FHA, VA, and jumbo loans to serve diverse borrower needs and financial situations.
    • Led by Sherry Riano with deep familiarity of the North Carolina real estate market and financing landscape.
    • Streamlined application and approval process designed to get clients pre-approved quickly and move toward closing.
    Mortgage LendingHome LoansFast Pre-ApprovalVA & FHA LoansRefinancing
    Phone(919) 234-7415
    The Sherry Riano Team at Developer's Mortgage Company
    Updated 4/16/26Learn More →
    82
    Lantern
    Score
    Raleigh, NC · 9 mi from Cary
    Serves Raleigh, NC and surrounding North Carolina communities
    ★★★★★4.8(220 Google reviews)

    TowneBank Mortgage is a local mortgage lender serving the Raleigh area and greater Carolina region. They offer comprehensive home financing solutions including conventional loans, FHA loans, VA loans, and refinancing options to help homebuyers and existing homeowners achieve their real estate goals. With a 4.8-star rating from hundreds of customers, TowneBank Mortgage combines local expertise with personalized service to guide borrowers through the lending process.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, Veterans seeking VA loans, Existing homeowners refinancing, Borrowers seeking local banking relationships
    What sets them apart
    • TowneBank Mortgage operates as a regional bank with deep roots in the Carolinas, offering personalized service and local market knowledge rather than a national call center experience.
    • They provide conventional, FHA, VA, and refinancing options to serve first-time homebuyers, veterans, and existing homeowners with varied financial situations.
    Mortgage LenderHome LoansRefinancingLocal Bank
    Phone(919) 882-5100
    TowneBank Mortgage
    Updated 4/16/26Learn More →
    81
    Lantern
    Score
    Cary, NC
    Serves Cary, NC and surrounding areas
    ★★★★★5.0(85 Google reviews)

    Fairway Independent Mortgage Corporation, led by NMLS-licensed loan officers Nevin Williams and Rhea Bryson, offers comprehensive home financing solutions including FHA loans, conventional home purchases, refinancing, HARP loans, and reverse mortgages. Located in Cary, NC, they guide borrowers through every step of the loan process with quick pre-qualification forms and rate comparison tools to help find the right mortgage program.

    Best for: RefinancingCompetitive Rates
    Ideal clients: First-time homebuyers, homeowners seeking refinancing, borrowers eligible for FHA programs, seniors exploring reverse mortgages
    What sets them apart
    • Team includes NMLS-licensed professionals Nevin Williams (NMLS #69651, MA LO License #MLO69651) and Rhea Bryson (NMLS #1737048) with expertise in multiple loan programs.
    • Offers FHA loans, conventional home purchase loans, refinancing options, HARP loans, and reverse mortgages to serve diverse borrower needs.
    • Provides quick online qualification forms and rate comparison tools to simplify the home loan process from start to close.
    FHA LoansRefinancingHome PurchaseMortgage Pre-ApprovalReverse Mortgages
    Fairway Independent Mortgage Corporation
    Updated 4/16/26Learn More →
    80
    Lantern
    Score
    Cary, NC
    Serves Cary, Raleigh, and the Triangle area, NC
    ★★★★★5.0(53 Google reviews)

    Mortgage Choice Inc is a fully licensed mortgage broker serving the Cary, Raleigh, and Triangle area with expertise in FHA, VA, USDA, conforming, and investment property loans. Led by David Tyndall and his experienced team, they specialize in helping clients navigate the entire mortgage process from purchase to refinance to delayed financing, with a focus on finding the best loan structure and rates for each individual situation.

    Best for: First-Time HomebuyersVeteransRefinancingCompetitive Rates
    Ideal clients: First-time home buyers, VA loan applicants, homeowners refinancing, investors seeking investment property financing
    What sets them apart
    • Offers FHA, VA, USDA, conforming, delayed financing, and investment property loans, giving clients multiple pathways to homeownership.
    • Built on the principle that people have choices, they counsel clients on loan structure, amortization, fixed vs. adjustable rates, and mortgage insurance alternatives to match their unique situation.
    • Team provides quick response times via phone, email, and text, with deep knowledge of the Raleigh market including delayed financing strategies for competitive home buying.
    Mortgage BrokerHome LoansRefinancingFHA LoansVA Loans
    Phone(919) 655-0330
    Mortgage Choice NMLS 89877
    Updated 4/16/26Learn More →
    78
    Lantern
    Score
    Cary, NC
    Serves Cary, NC and surrounding Triangle area
    ★★★★★4.8(97 Google reviews)

    Miller Lending Group is a mortgage lender based in Cary, NC, offering personalized financing solutions for home purchases and refinancing. The team works with borrowers to find competitive rates and loan programs tailored to individual financial situations, guiding clients through the entire mortgage process with transparent communication and professional expertise.

    Best for: Refinancing
    Ideal clients: First-time home buyers, refinancing homeowners, buyers seeking competitive rates in the Triangle area
    What sets them apart
    • Based in Cary with deep knowledge of the local real estate market and Triangle-area lending landscape.
    • Works directly with borrowers to understand their financial goals and match them with appropriate loan programs.
    Mortgage LendingHome LoansRefinancingCary NC
    Phone(919) 447-3377
    Miller Lending Group
    Updated 4/16/26Learn More →

    Frequently Asked Questions

    Who is the top-ranked mortgage broker in Cary, NC?

    VIVA Lending Group LLC, led by Suneel Kommireddy, is the top-ranked mortgage broker in Cary with a Lantern Score of 85.55/100 and 5★ rating from 365 reviews. They specialize in home purchase loans, refinancing, and cash-out refinances with personalized rate quotes for first-time home buyers and borrowers seeking competitive rate shopping.

    Which mortgage brokers are best for first-time home buyers in Cary?

    Multiple top-ranked options serve first-time buyers, including Pathway Mortgage Group, Inc. (Lantern Score 85.51), Carolina Ventures Mortgage (85.49), and Blackwell Mortgage (84.89), all with 5★ ratings. These brokers offer fast pre-approval processes, access to multiple lenders, and personalized guidance tailored to first-time buyer needs.

    What mortgage options exist for self-employed professionals and non-traditional income borrowers in Cary?

    Blackwell Mortgage (Lantern Score 84.89, 5★) and 7 Locks Lending (84.32, 5★) both specialize in serving self-employed and non-traditional income borrowers. Additionally, Dash Home Loans (83.23, 4.9★) focuses on streamlined solutions for self-employed or non-traditional borrowers throughout the Southeast.

    Which Cary mortgage brokers offer jumbo loans?

    Blackwell Mortgage (Lantern Score 84.89), Stephen Livesay at Silverton Mortgage (84.87), Ignite Mortgage Group, LLC (84.39), and MortgageMecca, Inc. (82.54) all specialize in jumbo loans. These brokers have access to multiple lenders and can help borrowers with larger loan amounts secure competitive terms.

    Are there mortgage brokers in Cary specializing in VA loans for veterans?

    Yes, several top-ranked brokers serve military veterans, including Blackwell Mortgage (Lantern Score 84.89, 5★), Dave Mincy at Guaranteed Rate, Inc. (84.53, 5★), and GoPrime Mortgage (83.24, 4.9★). These lenders have expertise in VA loan benefits and streamlined approval processes for military service members.

    Which mortgage brokers in Cary serve real estate investors?

    Blackwell Mortgage (Lantern Score 84.89), Tammi Rowe at Movement Mortgage (84.39), 7 Locks Lending (84.32), and Dash Home Loans (83.23) all specialize in investment property financing. These brokers can help investors secure financing for rental properties and investment portfolios.

    This directory of mortgage brokers local businesses serving Cary, NC is maintained by Lantern. Rankings are determined by the Lantern Score — not advertising or payment for placement. Learn how it works. Last updated April 16, 2026. To claim or update a listing, contact us.