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CTC Mortgage

CTC Mortgage (NMLS #371182) was founded in 2010 by Kolter Financial Services for the purpose of providing its customers with an exclusive mortgage company.

We offer mortgages in Florida, Georgia, and the Carolinas. Whether you are purchasing or refinancing, CTC Mortgage Company is dedicated to helping you meet your financial goals, on the most favorable terms and at the lowest overall cost. At CTC Mortgage we recognize that the success of our business is rooted in our relationship with customers. Our goal is to win your business now and keep that relationship for life. To that end, our team of licensed, experienced mortgage professionals are dedicated to earning your business by providing the product, price and professional service you deserve. CTC Mortgage has partnered with numerous financiers in the mortgage industry, from multi-billion dollar banks to small nice investors, to provide customers with a vast array of financing products including: VA, FHA, Reverse Mortgages, Jumbo, Condo and Foreign National. CTC Mortgage is a significant participant in the financial services industry. We leverage our strength to provide our customers with mortgage products, at competitive interest rates and favorable financing terms. Now is the best time to get started. Let’s get your mortgage “Clear To Close” as soon as possible so you can rest easy knowing you will be ready to close, on time and in good order.

11/03/2026

Travel plans should be exciting—not a reason to worry about your home.

Before you leave, take a few simple steps to help protect your property: secure doors and windows, pause package deliveries, use timers for lights, and ask a trusted neighbor to keep an eye out.

At CTC Mortgage, we know a home is more than an investment. It is a place worth protecting. Save this post for your next trip, and share it with a fellow homeowner.

10/27/2026

Fall can be an excellent time to explore a home purchase. As competition often eases after the busy summer market, buyers may find more room to consider their options and negotiate with motivated sellers.

Whether you are buying your first home, moving to a new home, or considering an investment property, our team can help you evaluate mortgage solutions that fit your goals.

CTC Mortgage serves homebuyers across Florida, Georgia, North Carolina, and South Carolina. Contact us to start a conversation about your financing options.

10/20/2026

Paying off a mortgage ahead of schedule can be a meaningful financial goal, but the right approach depends on your full financial picture.

A few strategies homeowners may consider include:
• Making one extra payment each year
• Adding a small amount to monthly principal payments
• Applying a portion of a bonus, tax refund, or other windfall to the balance
• Reviewing whether refinancing could better support your long-term goals

Before putting extra funds toward your mortgage, it is important to consider your emergency savings, higher-interest debt, and any prepayment terms in your loan.

At CTC Mortgage, we help homeowners throughout Florida, Georgia, North Carolina, and South Carolina explore refinance mortgage options and build a strategy that fits their goals. Contact us at (800) 610-3570 to discuss your mortgage options.

10/13/2026

Private mortgage insurance (PMI) can help make homeownership possible with a lower down payment, but it is important to know when it may be removed from a conventional mortgage.

Depending on your loan terms and home equity, you may be able to request PMI cancellation or have it end automatically once specific requirements are met. A new appraisal, timely payment history, and the loan-to-value ratio may all play a role.

At CTC Mortgage, we help homeowners throughout Florida, Georgia, North Carolina, and South Carolina understand their refinance and mortgage options. If you are considering removing PMI, our team is here to help you review the path forward.

10/12/2026

Happy National Savings Day.

If a home purchase is in your plans, take a moment to look beyond the down payment. Closing costs, prepaids, moving expenses, and reserves can all shape the amount you will want to save before making an offer.

The good news: the right financing may help make homeownership more achievable. From low-down-payment options to VA and USDA home loans for eligible borrowers, our team can help you understand the path that fits your goals.

Swipe through for a practical look at what to save for before buying a home.

Ready to review your options? Contact CTC Mortgage at (800) 610-3570.

10/04/2026

Many buyers and homeowners exploring renovations, fixer‑uppers, or new construction have more financing options than they realize. Programs like the 203k rehab loan and construction‑to‑permanent loan can help streamline the process by combining costs into a single mortgage.

Every project is different, and the right solution depends on the property, the scope of work, and borrower qualifications. Our team is here to provide guidance so you can make informed decisions with confidence.

If you're planning a renovation or considering building, we invite you to connect with CTC Mortgage to discuss your financing options.

10/03/2026

Reverse mortgages can offer eligible senior homeowners a way to access a portion of their home equity while continuing to live in the property. These programs are highly regulated and come with important responsibilities, making it essential to understand how they work and whether they align with long-term retirement plans.

Our team at CTC Mortgage provides educational guidance to help retirees evaluate whether a reverse mortgage may support their financial goals.

If you're considering this option, contact CTC Mortgage to learn whether a reverse mortgage may be a suitable fit for your retirement strategy.

10/02/2026

For buyers hoping to close before year-end, getting pre-approved early can make the process significantly smoother. A pre-approval helps you establish a clear budget, prepare a stronger and more competitive offer, and gives you the time needed to gather documentation without feeling rushed.

Taking these steps in advance can make your home search more efficient and keep you better prepared as the market picks up.

If you're planning a purchase this year, contact CTC Mortgage to begin your pre-approval conversation.

10/01/2026

October marks Financial Planning Month, and it’s an ideal time for homeowners to take a closer look at their mortgage. A periodic mortgage review helps ensure that your financing still aligns with your budget, your equity position, your interest structure, and your long-term homeownership goals. As life changes, so can your needs—whether you’re considering a refinance, planning for a second home, or evaluating options for an investment property.

A mortgage review can help you understand where you stand today and how your mortgage fits into your broader financial picture moving forward.

If you’d like a personalized review, our team at CTC Mortgage is here to help. Schedule your mortgage review with us today.

09/29/2026

Understanding whether to lock or float your mortgage rate is an important part of the loan process. Locking your rate secures today’s terms for a set period, while floating keeps the rate open to potential market changes as you move toward closing.

The best choice can depend on several factors, including your closing timeline, market movement, risk tolerance, and the type of loan program you’re using—whether it’s a conventional home loan, FHA loan, VA loan, USDA home loan, jumbo loan, or a specialized program.

If you’re unsure which approach aligns with your goals, our team at CTC Mortgage can help. Ask us about rate-lock strategy during your mortgage process.

Address

4803 PGA Boulevard, Suite B
Palm Beach Gardens, FL
33418

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://ctcmortgage.com/

Alerts

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