We’ve helped hundreds of Raleigh families find the right mortgage, and we can tell you this: most people think they need to walk into a bank to get a home loan. What they don’t realize is that banks only offer their own products—often at rates you could beat elsewhere. That’s where a loan agency makes all the difference.
As your local Raleigh loan agency, we work differently. Instead of limiting you to one lender’s options, we have access to over 50 trusted lending partners. We shop the market for you, comparing FHA loans, VA loans, conventional loans, and USDA loans to find the best fit. Whether you’re buying your first home in Garner, upgrading in North Raleigh, or investing near NC State, we find the financing that works.
Here’s what keeps most Raleigh homebuyers stuck: they spend weeks comparing rates online, getting conflicting advice, and still have no clear answer on which loan saves them the most money. We remove that stress. In one conversation, we identify your best options, get you pre-approved within 24 hours, and position you to compete in Raleigh’s fast-moving market.
When you work with a loan agency instead of a bank, you get a personal mortgage shopper working on your behalf. We evaluate your financial situation, then search our network to find who offers the best combination of rates, terms, and approval likelihood for your scenario.
This matters in Raleigh’s competitive market. Homes in Cary, Apex, and Holly Springs often receive multiple offers within days. Having a loan agency that quickly matches you with the right lender gives you a significant advantage. Our agency handles everything from initial consultation through closing, with one dedicated contact instead of being passed between departments.
FHA Loans remain popular for Raleigh first-time buyers. With down payments as low as 3.5% and credit scores starting at 580, FHA loans open doors for buyers who haven’t saved 20% yet.
VA Loans provide exceptional benefits for military families and veterans. With no down payment and no monthly mortgage insurance, VA loans often result in lower payments than any other loan type.
Conventional Loans offer flexibility for Raleigh buyers. Whether putting down 5%, 10%, or 20%, we compare offerings from multiple lenders to find your best option.
USDA Loans work well for buyers looking at Wendell, Zebulon, Rolesville, and Fuquay-Varina. These zero-down loans help families afford more space while keeping payments manageable.
The mortgage broker advantage means we’re not tied to any single lender’s products. When you work with our loan agency, we submit your scenario to multiple lenders and let them compete for your business. This competition often results in better pricing, lower fees, or more favorable terms.
Our team brings specialized knowledge across different loan types. Need a jumbo loan for Preston or Amberly? Self-employed and struggling to document income? Buying investment property near NC State? We have the right lender connections for each situation.
We’re based in Raleigh, we live here, and we understand local market dynamics. We know which neighborhoods are appreciating quickly, where first-time buyers find the best value, and how Wake County’s school system impacts home prices.
We’ve closed loans throughout every Raleigh neighborhood—from starter homes in Garner to luxury properties in North Raleigh. This experience means we’ve seen nearly every scenario and know how to handle complications before they derail your closing.
The relationships we’ve built with real estate agents throughout the Triangle area matter. Local agents know our pre-approvals are solid, our processing is fast, and our closings happen on schedule. When your offer includes financing from our loan agency, it strengthens your position.
We’re part of the Raleigh community, not a faceless online lender. Our office on Spring Forest Road gives you a local place to meet and get guidance. Our clients come back years later for refinancing or upgrading because we prioritize long-term financial success over transaction volume.
Our low down payment loans in Raleigh NC help buyers purchase homes with as little as 3% down through FHA, conventional, VA, and USDA programs, letting you stop renting and start building equity today throughout Wake County.
We act as a mortgage broker with access to multiple lenders, while banks only offer their own products. We compare options from over 50 partners to find you the best rates and terms.
We provide pre-approval within 24 hours for most borrowers. Fast pre-approval helps you compete effectively in Raleigh’s active market.
Our compensation comes from the lender at closing. You’re not paying extra—in fact, lender competition often saves you money.
We provide access to FHA, VA, conventional, USDA, jumbo, construction, investment property financing, and refinancing options.
We serve Raleigh and the Triangle area, including Cary, Apex, Holly Springs, Morrisville, Rolesville, Wake Forest, Garner, and throughout Wake County.
Getting pre-approved is your first step toward homeownership in Raleigh. We can provide your pre-approval within 24 hours, giving you confidence to shop and credibility to make competitive offers.
Our office is located at 805 Spring Forest Road in Raleigh. We’re open weekdays until 7 PM and Saturday mornings. Call us at (919) 510-1108 or email jschneider@certifiedhomeloans.com to start the conversation.
During your consultation, we’ll review your financial situation, explain which loan programs match your goals, and outline exact steps from application to closing. Don’t let confusion about loan options keep you renting while home prices rise. Contact Certified Home Loans today and discover how our loan agency approach finds you better financing than going to a bank alone.
Whether you’re buying or refinancing, work with a professional Mortgage Lender in Raleigh, NC to find the best mortgage rates and terms.
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.