Financing Resources
We're here to help
When you're ready to make the investment in your new home, we're here to help. Learn more about pre-qualification, our existing lenders, and get answers to the questions homebuyers like you are asking.
Estimate Your Monthly Payment
![Pre-qualify VS. Pre-approval](https://media.cavinessandcates.com/230/2020/4/7/AdobeStock_86638910.jpeg?width=1000&ois=6d3e437&fit=bounds&height=666)
Pre-qualify VS. Pre-approval
What Are The Differences?
The goal of pre-qualification is to give you an idea of the kind of mortgage you might eventually be approved for. Pre-approval refers to actually applying for a mortgage. In order to be pre-approved, you'll likely have to pay a fee, and the bank or lender will conduct extensive research on financial history.
Our Participating Lenders
Find a trusted lender
We have a variety of lenders from around the area ready to assist you in the home buying process. Find a lender today!
![Our Participating Lenders](https://media.cavinessandcates.com/230/2020/4/7/AdobeStock_300169004.jpeg?width=1000&ois=2193667&fit=bounds&height=667)
![Popular Q&A’s](https://media.cavinessandcates.com/230/2021/9/17/2021205-313.jpg?width=1000&ois=7b3ef69&fit=bounds&height=665)
Popular Q&A’s
What do I need to know?
We have put together the most popular Q&A's to help you navigate the process. Buying a New Home is a significant decision, and so is choosing a mortgage lender. Caviness & Cates works with a group of Participating Lenders that offer a variety of mortgage options at competitive rates to help you buy your home.
Participating Lenders
Greenville, NC
![Grant Barker](https://media.cavinessandcates.com/230/2020/1/8/grant_barker.jpg?width=150&ois=d16694a&fit=bounds&height=150)
![Grant Barker](https://media.cavinessandcates.com/230/2020/1/8/logo-atlantic-bay.jpg?width=180&ois=103581d&fit=bounds&height=46)
![Karen Russo Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/karen-russo.jpg?width=150&ois=4596f42&fit=bounds&height=190)
![Karen Russo Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/logo-cornerstone.jpg?width=200&ois=f76f378&fit=bounds&height=41)
![Lauren Asby Retail Mortgage Loan Originator](https://media.cavinessandcates.com/230/2022/8/17/C89720_Lauren_Asby.jpg?width=750&ois=3834437&fit=bounds&height=750)
![Lauren Asby Retail Mortgage Loan Originator](https://media.cavinessandcates.com/230/2022/8/17/Truist_logo.png?width=129&ois=43f7481&fit=bounds&height=80)
![Clay Brown Vice President](https://media.cavinessandcates.com/230/2022/8/17/Truist_Headshot_-Clay_7-18-22.jpg?width=750&ois=fd13f67&fit=bounds&height=750)
![Clay Brown Vice President](https://media.cavinessandcates.com/230/2022/8/17/Truist_logo_v86Qi5z.png?width=129&ois=c77a51d&fit=bounds&height=80)
Fayetteville, NC
![Meredith Bolton Sales Manager](https://media.cavinessandcates.com/230/2024/2/15/MainStreetHomeLoans_horizontal_REVISED_002.jpg?width=1000&ois=2441d15&fit=bounds&height=223)
![Kasey Johnston Branch Sales Manager](https://media.cavinessandcates.com/230/2024/5/22/profile_picfairway.jpg?width=1000&ois=f21e607&fit=bounds&height=666)
![Kasey Johnston Branch Sales Manager](https://media.cavinessandcates.com/230/2024/5/22/fairway_logo.png?width=1000&ois=6e3e817&fit=bounds&height=274)
![Tiffany Spell Loan Officer](https://media.cavinessandcates.com/230/2021/6/4/tspell.jpg?width=500&ois=f0b6f13&fit=bounds&height=500)
![Tiffany Spell Loan Officer](https://media.cavinessandcates.com/230/2021/6/4/CornerstoneHomeLendingInc._logo_300dpi.jpg?width=1000&ois=2d044c5&fit=bounds&height=185)
![Joe Spell Area Manager](https://media.cavinessandcates.com/230/2021/6/4/jspell.jpg?width=500&ois=848f496&fit=bounds&height=500)
![Joe Spell Area Manager](https://media.cavinessandcates.com/230/2021/6/4/CornerstoneHomeLendingInc._logo_300dpi_ClMpDb5.jpg?width=1000&ois=cf9e390&fit=bounds&height=185)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/Knox.Annette.jpg?width=750&ois=ac1e6d4&fit=bounds&height=750)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg.png?width=1000&ois=6d30f12&fit=bounds&height=232)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1606516072799.jpg?width=750&ois=b0f655f&fit=bounds&height=750)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg_GCpQro4.png?width=1000&ois=5646c49&fit=bounds&height=232)
![Stephanie Parker-Smith Loan Officer](https://media.cavinessandcates.com/230/2023/11/7/stephanie-parkersmith.jpg?width=600&ois=69a555f&fit=bounds&height=600)
![Stephanie Parker-Smith Loan Officer](https://media.cavinessandcates.com/230/2023/11/7/mm-logo-hor-stack-white-copy.jpg?width=746&ois=56f2c38&fit=bounds&height=179)
Raleigh, NC
![Michelle Kaufmann Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/michelle_kaufmann.jpg?width=145&ois=0a322ba&fit=bounds&height=136)
![Michelle Kaufmann Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/logo-prime-lending.jpg?width=200&ois=18cafc2&fit=bounds&height=52)
![Cathy Stubbs](https://media.cavinessandcates.com/230/2020/1/8/cathy_stubbs.jpg?width=150&ois=057405b&fit=bounds&height=190)
![Cathy Stubbs](https://media.cavinessandcates.com/230/2020/1/8/logo-cornerstone_(2.jpg?width=200&ois=edeaf14&fit=bounds&height=41)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/Knox.Annette.jpg?width=750&ois=ac1e6d4&fit=bounds&height=750)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg.png?width=1000&ois=6d30f12&fit=bounds&height=232)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1606516072799.jpg?width=750&ois=b0f655f&fit=bounds&height=750)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg_GCpQro4.png?width=1000&ois=5646c49&fit=bounds&height=232)
![Stephanie Parker-Smith Loan Officer](https://media.cavinessandcates.com/230/2023/11/7/stephanie-parkersmith.jpg?width=600&ois=69a555f&fit=bounds&height=600)
![Stephanie Parker-Smith Loan Officer](https://media.cavinessandcates.com/230/2023/11/7/mm-logo-hor-stack-white-copy.jpg?width=746&ois=56f2c38&fit=bounds&height=179)
Wilmington, NC
![Karen Russo Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/karen-russo.jpg?width=150&ois=4596f42&fit=bounds&height=190)
![Karen Russo Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/logo-cornerstone.jpg?width=200&ois=f76f378&fit=bounds&height=41)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/Knox.Annette.jpg?width=750&ois=ac1e6d4&fit=bounds&height=750)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg.png?width=1000&ois=6d30f12&fit=bounds&height=232)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1606516072799.jpg?width=750&ois=b0f655f&fit=bounds&height=750)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg_GCpQro4.png?width=1000&ois=5646c49&fit=bounds&height=232)
Jacksonville, NC
![Michelle Kaufmann Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/michelle_kaufmann.jpg?width=145&ois=0a322ba&fit=bounds&height=136)
![Michelle Kaufmann Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/logo-prime-lending.jpg?width=200&ois=18cafc2&fit=bounds&height=52)
![Karen Russo Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/karen-russo.jpg?width=150&ois=4596f42&fit=bounds&height=190)
![Karen Russo Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/logo-cornerstone.jpg?width=200&ois=f76f378&fit=bounds&height=41)
Southern Pines, NC
![Meredith Bolton Sales Manager](https://media.cavinessandcates.com/230/2024/2/15/MainStreetHomeLoans_horizontal_REVISED_002.jpg?width=1000&ois=2441d15&fit=bounds&height=223)
![Kasey Johnston Branch Sales Manager](https://media.cavinessandcates.com/230/2024/5/22/profile_picfairway.jpg?width=1000&ois=f21e607&fit=bounds&height=666)
![Kasey Johnston Branch Sales Manager](https://media.cavinessandcates.com/230/2024/5/22/fairway_logo.png?width=1000&ois=6e3e817&fit=bounds&height=274)
![Michelle Kaufmann Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/michelle_kaufmann.jpg?width=145&ois=0a322ba&fit=bounds&height=136)
![Michelle Kaufmann Loan Officer](https://media.cavinessandcates.com/230/2020/1/8/logo-prime-lending.jpg?width=200&ois=18cafc2&fit=bounds&height=52)
![Tiffany Spell Loan Officer](https://media.cavinessandcates.com/230/2021/6/4/tspell.jpg?width=500&ois=f0b6f13&fit=bounds&height=500)
![Tiffany Spell Loan Officer](https://media.cavinessandcates.com/230/2021/6/4/CornerstoneHomeLendingInc._logo_300dpi.jpg?width=1000&ois=2d044c5&fit=bounds&height=185)
![Joe Spell Area Manager](https://media.cavinessandcates.com/230/2021/6/4/jspell.jpg?width=500&ois=848f496&fit=bounds&height=500)
![Joe Spell Area Manager](https://media.cavinessandcates.com/230/2021/6/4/CornerstoneHomeLendingInc._logo_300dpi_ClMpDb5.jpg?width=1000&ois=cf9e390&fit=bounds&height=185)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/Knox.Annette.jpg?width=750&ois=ac1e6d4&fit=bounds&height=750)
![Annette Knox VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg.png?width=1000&ois=6d30f12&fit=bounds&height=232)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1606516072799.jpg?width=750&ois=b0f655f&fit=bounds&height=750)
![Abbie Mishoe VP](https://media.cavinessandcates.com/230/2021/12/20/1280px-Truist_Financial_logo.svg_GCpQro4.png?width=1000&ois=5646c49&fit=bounds&height=232)
![Lexie Rodriguez Mortgage Branch Manager](https://media.cavinessandcates.com/230/2022/12/21/lexierodriguez.jpg?width=294&ois=751ac71&fit=bounds&height=411)
![Lexie Rodriguez Mortgage Branch Manager](https://media.cavinessandcates.com/230/2022/12/21/CornerstoneHomeLendingInc._logo_300dpi.jpg?width=1000&ois=4a76ecb&fit=bounds&height=185)
![Stephanie Parker-Smith Loan Officer](https://media.cavinessandcates.com/230/2023/11/7/stephanie-parkersmith.jpg?width=600&ois=69a555f&fit=bounds&height=600)
![Stephanie Parker-Smith Loan Officer](https://media.cavinessandcates.com/230/2023/11/7/mm-logo-hor-stack-white-copy.jpg?width=746&ois=56f2c38&fit=bounds&height=179)