Carolyn Nelson
VP of Mortgage Lending

Using a common-sense approach to the mortgage loan process, I focus on helping the borrower choose the loan that fits them best through thorough discussions of their financial status and goals. A degree from Duke University and an MBA with a finance concentration enable me to simplify for my clients a process that can sometimes seem daunting. As a Captain in the United States Air Force and as a Six Sigma Black Belt for General Electric, I honed my problem solving and communication skills and am very efficient and detail-oriented. It is not enough to know the guidelines; it is critical that you know how to artfully put together your unique story and provide the documentation to support it. I work with a top-notch team to ensure the mortgage process goes as smoothly as possible from the beginning of the transaction through the closing. We keep everyone up-to-date and informed, minimizing stress and completing the loan in a timely manner. Whether you are buying or refinancing your mortgage, my goal is to exceed your expectations every time you do business with us. I provide a personal level of service to go along with our high tech tools and am personally available to assist you via phone or face-to-face. Guaranteed Rate Inc. is a direct mortgage lender able to offer its customers Fannie Mae and Freddie Mac Direct Loans, FHA Loans, USDA Loans, Veterans Administration Loans (VA), Construction Loans, Rehab Loans and First Time Buyer Loans. We also offer a variety of loans designed to help its customers with special concerns such as credit issues and income or asset verification issues. Guaranteed Rate Inc. has the unique ability to offer its customers the lowest rates and largest selection of loan programs available from 40 of the nation’s largest wholesale lenders. When you contact me, I will advise you on the best loan program to meet your needs and locate the best price while maintaining complete control and responsibility for your loan from application to settlement. We are licensed in all 50 states and Washington, DC! Sample of products and special situations: • Refinance & Purchase Loans • FHA 203(b) and 203k • USDA • VA • Conforming and Jumbo • First Time Home Buyers • Second Home and Investment Property Loans • Bank Statement Program for Self-Employed Borrowers • Recent Bankruptcy or Foreclosure • Foreign Nationals • Non-Warrantable Condos • Home Equity Loans and Home Equity Lines of Credit • Debt Consolidation • 100% Financing • Relocation • Divorcing • Tax Credits If you have questions about the home buying process, or any mortgage questions, call today to speak with me personally at 919-802-7440.

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.