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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, Inc. and are subject to change without notice. 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).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

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.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. 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.