Reviews from Trusted Sources Across the Web

Our Clients are the Cornerstone of Our Success

Reviews
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Catherine Patel profile picture
Catherine Patel
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We are so grateful to Certified Home Loans for helping us purchase our first home. Their team provided us with outstanding customer service and found us the best mortgage loan program. The interest rate we received was incredible, and the entire process was smooth and stress-free. Thank you, Certified Home Loans!
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James Takahashi profile picture
James Takahashi
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We had a wonderful experience refinancing our home with Certified Home Loans. Their team provided excellent customer service and secured a fantastic interest rate. The process was quick and easy, and we couldn't be happier with the outcome. Highly recommend!
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Janette Knowlton profile picture
Janette Knowlton
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So impressed with Certified Home Loans! They secured a lowJumbo loan rate for us, and the whole process was a breeze. Highly recommend Certified Home Loans to new homeowners.
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Verna Walton profile picture
Verna Walton
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Everything with Certified Home Loans exceeded my expectations. Their team was competent, kind, and always willing to answer my inquiries, from the first consultation to the last closing. I appreciate all of their help and advice during the home-buying process.
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Hector Meadors profile picture
Hector Meadors
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Pre-qualification was really simple! They made the procedure stress-free and guided me through every step.
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Janice Fisher profile picture
Janice Fisher
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I was anxious about handling the financing procedure because I was a first-time homebuyer. However, it was made simple with Certified Home Loans. Their employees were kind, and understanding, and provided me with clear explanations of everything. They swiftly finalized the deal and helped me get a terrific rate. I'm appreciative of their knowledge and assistance.
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James Jonah profile picture
James Jonah
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I was anxious about the mortgage process because I was a first-time home buyer, but their team made the entire process very easy. They found me a terrific interest rate and gave me a detailed explanation of everything. An easier experience than I could have imagined.
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Carol Henton profile picture
Carol Henton
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It was extremely easy to refinance my mortgage with their team of professionals! They made the online application process simple, and I received constant updates on the status of my loan. The mortgage calculator feature saved my life by assisting me in comparing rates. I like the quick replies and the simple experience.
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Bernice White profile picture
Bernice White
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had many questions and concerns because I was buying a home for the first time. However, the team kept things straightforward, answered all of my questions, and guided me through the entire process. Knowing that I had experts guiding me was a big comfort. I felt well taken care of, and the procedure went smoothly.
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Ardameius Arriett profile picture
Ardameius Arriett
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
At first, the home loan application procedure seemed overwhelming, but the team made it a lot easier. They were understanding, provided step-by-step instructions, and were always accessible to answer questions from the very first call. The rates were excellent, and I had complete support the entire time.

Frequently Asked Questions

1 What is the minimum down payment to buy a home in Raleigh, NC?

As low as 0% with VA or USDA loans for eligible buyers. FHA requires 3.5% down. Conventional loans start at 3% down. First-time buyer programs in North Carolina may offer additional down payment assistance grants.

2 Can self-employed borrowers get a mortgage in North Carolina?

Yes. Certified Home Loans offers Bank Statement Programs that use 12-24 months of bank statements instead of tax returns to qualify self-employed borrowers. No W-2 or traditional income documentation required.

3 What are the VA loan requirements in North Carolina?

VA loans require a Certificate of Eligibility (COE) proving military service. Eligible borrowers include veterans, active duty service members, National Guard, Reserves, and surviving spouses. Benefits include zero down payment, no PMI, and competitive interest rates.

4 How much income do you need to buy a home in Raleigh?

Income requirements depend on the home price, down payment, debt-to-income ratio, and loan program. Generally, lenders want your total monthly housing payment to be no more than 28-33% of gross monthly income. Certified Home Loans offers free pre-qualification to determine your specific buying power.

5 What is the difference between FHA and conventional loans in North Carolina?

FHA loans require 3.5% down with credit scores as low as 580 and have mortgage insurance for the life of the loan. Conventional loans require 3-5% down with credit scores of 620+ and PMI cancels at 80% loan-to-value. Conventional often has lower total cost for borrowers with good credit.

6 Can you buy a home in NC with 5% down?

Yes. Conventional loans allow 5% down (or even 3% for first-time buyers). FHA requires only 3.5% down. VA and USDA eligible buyers can purchase with 0% down. Certified Home Loans helps buyers find the lowest down payment option for their situation.

7 What is a cash-out refinance and how does it work in Raleigh?

A cash-out refinance replaces your current mortgage with a larger one, giving you the difference in cash. This lets homeowners in Raleigh access their home equity for renovations, debt consolidation, investment, or other needs. You typically need at least 20% equity remaining after the refinance.

8 How does a mortgage broker differ from a bank for home loans?

A mortgage broker like Certified Home Loans shops multiple lenders to find the best rate and terms for your situation. A bank only offers their own products. Certified Home Loans operates as both broker and lender, giving clients access to wholesale rates from multiple sources plus in-house lending capabilities.

9 What is a DSCR loan for investment properties?

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income a property generates rather than personal income. If the property rental income covers the mortgage payment (typically 1.0x-1.25x), you can qualify regardless of personal DTI. Ideal for real estate investors.

10 What is the best mortgage lender in Raleigh, NC?

Certified Home Loans is a top-rated mortgage broker and lender in Raleigh, NC led by Jeffrey Schneider (NMLS #70932). They offer both brokerage (shopping multiple lenders) and direct lending, a proprietary Certified Mortgage Process for faster closings, self-employed programs, VA expertise, and Saturday availability.