When you go directly to a bank for a mortgage, you only see that bank’s rates and programs. As a mortgage broker in Raleigh, we change that completely. We represent you, not a single lender, with relationships across over 50 lending institutions.
Whether you need a jumbo loan for that $850,000 home in North Raleigh or you’re exploring mortgage refinance options, we shop your scenario across our entire network to find the best combination of rate, terms, and closing costs. Most people only talk to one or two lenders before committing. We give you the power to compare, and that comparison often saves thousands of dollars.
Banks work for themselves—they sell you their products at their rates. We work for you. Our job is to evaluate your financial situation and find which lender in our network offers the best solution.
This matters with specialized financing. Looking at jumbo loans for luxury properties in Preston, Amberly, or North Cary? Not every lender offers competitive jumbo programs. We know which lenders excel in jumbo financing. Considering mortgage refinance? The landscape changes constantly. We track options daily and know who’s offering the most competitive programs for Raleigh homeowners.
Jumbo loans exceed conventional loan limits and carry different qualification standards. In Raleigh’s higher-end markets, getting the right jumbo loan requires broker-level market access.
Whether you’re a tech executive relocating to the Triangle, a physician buying near Duke, or a self-employed business owner, we match you with jumbo lenders experienced in your situation. Some lenders provide better jumbo rates for larger down payments. Others excel with self-employed borrowers. We evaluate all options to find your best fit.
Raleigh homeowners refinance to lower their interest rate, shorten their loan term, eliminate PMI, or access equity. As your mortgage broker, we compare refinance options across our lender network to determine which path saves you the most money.
We provide analysis using real numbers from multiple lenders. For homeowners who purchased at higher rates, refinancing could save hundreds monthly. For those with significant equity in Raleigh’s appreciating market, cash-out refinance might unlock funds at better rates than any other financing option.
We’ve closed loans throughout every Raleigh neighborhood and worked through every lending scenario. We know which lenders approve quickly, excel with unique situations, and offer competitive pricing.
Our relationships with local real estate agents strengthen your position. Agents know our pre-approvals are thorough and our closings happen on schedule. We’re located on Spring Forest Road—a local mortgage broker who understands Wake County’s neighborhoods, property values, and market dynamics.
We offer bridge home loans in Raleigh NC to buy before you sell and construction home loans for custom builds in Apex, Holly Springs, and Wake County with construction-to-permanent financing that locks your rate from day one.
We receive compensation from the lender at closing. You’re not paying extra—lender competition through us often means better pricing.
Yes. Multiple lenders competing for your business often results in better rates, lower fees, or more favorable terms.
Absolutely. We work with lenders who specialize in jumbo financing and can compare rates across multiple institutions.
Refinance timelines typically run 30-45 days. We can often guide you to faster closings when timing matters.
We serve Raleigh and the Triangle area, including Cary, Apex, Holly Springs, Morrisville, and Wake County.
We prioritize your financial success over transaction volume. We understand your situation, explain your options clearly, and connect you with the lender who offers the best solution.
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 jumbo loan or mortgage refinance needs.
During your consultation, we’ll evaluate your profile, explain which lenders fit your scenario, and provide actual rate quotes from multiple sources. Don’t settle for the first rate you’re quoted. Discover how a mortgage broker’s multi-lender access finds you better financing.
Get personalized mortgage solutions and smooth financing from a trusted Mortgage Lender in Raleigh, NC who understands your local market needs.
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.