Most Raleigh homeowners and investors don’t realize that traditional banks rarely handle specialized financing needs. Need a bridge loan to buy before selling? Construction financing for that lot in Apex? Fix and flip funding? Want to tap equity with a HELOC without refinancing your low rate? These scenarios require a finance broker with access to specialized lenders.
As your Raleigh finance broker, we connect you with over 50 lending partners who understand non-traditional financing. While banks stick to standard loans, we work with lenders who specialize in bridge loans, construction financing, fix and flip funding, and HELOC programs. We find financing solutions that traditional lenders can’t offer.
Bridge loans solve timing problems that derail transactions. You found your dream home in North Raleigh but haven’t sold your current house yet. We connect you with bridge loan lenders who provide short-term financing secured by both properties.
This keeps you competitive without making contingent offers that sellers reject. Bridge financing typically provides 6-12 months to complete your sale while securing your new purchase. Most bridge loans close in 15-30 days.
Construction financing requires lenders who understand builder relationships, draw schedules, and construction-to-permanent conversions. As your finance broker, we’ve built relationships with construction lenders who actively fund projects throughout Wake County.
Whether building custom in Holly Springs, Rolesville, or on your own lot in Apex, we match you with experienced construction lenders. We handle both construction-only loans and construction-to-permanent financing where the loan converts to your permanent mortgage.
Real estate investors need speed and flexibility. When competing for distressed properties, waiting 45 days means losing deals to cash buyers. Fix and flip lenders we work with can close in 10-14 days and fund renovation costs.
We connect Raleigh investors with hard money lenders and portfolio lenders who understand the fix and flip business model. These lenders evaluate deals based on after-repair value (ARV) rather than current condition, structuring terms around your renovation timeline and exit strategy.
Many Raleigh homeowners sit on substantial equity but hesitate to access it because refinancing means losing their 3-4% mortgage rate. A HELOC is a second position loan that doesn’t affect your existing first mortgage, letting you access equity while keeping your current low rate intact.
We broker HELOC programs from multiple lenders, comparing terms, rates, and draw periods. Homeowners use HELOC funds for renovations, business opportunities, or real estate purchases. HELOC rates and terms vary significantly between lenders—our network gives you access to competitive programs.
We’ve structured bridge loans for relocations, funded construction projects throughout the Triangle, connected flippers with hard money sources, and helped homeowners access equity through HELOC without touching their primary mortgage.
Our relationships with specialized lenders mean faster approvals and better terms. We’re located on Spring Forest Road in Raleigh. We understand local property values, know which neighborhoods attract investors, and recognize where projects make financial sense.
Our fix & flip home loans and HELOC home loans in Raleigh NC provide real estate investors with fast ARV-based financing for house flipping projects and flexible home equity lines of credit to fund renovations or investment property purchases throughout Wake County.
Secure your dream home with the help of a reliable Mortgage Lender in Raleigh, NC offering tailored loan options and expert guidance.
While mortgage brokers focus on traditional home loans, finance brokers specialize in alternative financing like bridge loans, construction financing, hard money, and HELOC. We work with lenders who handle complex scenarios banks typically avoid.
We typically close bridge loans in 15-30 days. Some portfolio lenders in our network can move faster for straightforward scenarios with strong equity positions.
Absolutely. We specialize in investor financing including fix and flip loans, HELOC for investment capital, bridge loans for portfolio growth, and construction financing for builds or major renovations.
Yes. A HELOC is a second position loan that doesn’t affect your existing first mortgage. This lets you access equity while keeping your current low rate intact.
We serve all of Raleigh and the Triangle area, including Cary, Apex, Holly Springs, Morrisville, Wake Forest, Garner, and throughout Wake County.
Specialized financing requires specialized expertise. We understand your project, evaluate your financial position, and connect you with lenders who fund your specific transaction type.
Our office is at 805 Spring Forest Road in Raleigh. We’re open until 7 PM weekdays and Saturday mornings. Call (919) 510-1108 or email jschneider@certifiedhomeloans.com to discuss your bridge loan, construction financing, fix and flip project, or HELOC needs.
During your consultation, we’ll explain which lenders match your scenario and provide realistic timelines and terms. Don’t waste time with lenders who don’t understand specialized financing. Discover how a finance broker’s specialized lender access solves problems traditional banks can’t handle.
With years of experience, education + transparency, we are dedicated to providing our clients with the best home purchase or refinance experience possible.
Sunday
Closed
Monday
8:30 AM – 7 PM
Tuesday
8:30 AM – 7 PM
Wednesday
8:30 AM – 7 PM
Thursday
8:30 AM – 7 PM
Friday
8:30 AM – 7 PM
Saturday
9:00 AM – 4 PM
For further information about CHL Raleigh please visit our website at www.CertifiedHomeLoans.com. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Certified Home Loans for more information and up-to-date rates.