CTC Mortgage

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 rel

ationship 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.

Understanding your credit score is an important part of becoming mortgage-ready, but it’s only one piece of the overall ...
09/09/2026

Understanding your credit score is an important part of becoming mortgage-ready, but it’s only one piece of the overall picture. Lenders also look at your debt-to-income ratio, income documentation, assets, and specific loan program requirements to determine eligibility.

If you’re planning to apply for a home loan soon, a few practical steps can make a meaningful difference:

• Review your credit reports for accuracy
• Avoid opening new credit accounts or taking on major debts
• Keep credit card balances as low as possible
• Stay consistent with income and documentation

Our team at CTC Mortgage is here to help you prepare for your next home loan with confidence. Reach out to us if you’re ready to explore your options and take the next step toward homeownership.

Labor Day is a time to recognize the dedication and hard work that keeps our communities moving forward—and to take a we...
09/07/2026

Labor Day is a time to recognize the dedication and hard work that keeps our communities moving forward—and to take a well-earned break.

Our team will be out of the office on Monday, September 7th, and will return on Tuesday, September 8th, refreshed and ready to assist with your home financing needs.

Whether you are planning your next move, exploring refinance options, or simply enjoying the long weekend, we hope it is filled with rest, great food, and quality time with those who matter most.

Homeowners exploring renovation plans or managing major expenses may consider a cash-out refinance as one potential opti...
09/04/2026

Homeowners exploring renovation plans or managing major expenses may consider a cash-out refinance as one potential option. This type of refinance allows you to access a portion of your home equity, which can be used for updates, debt consolidation, or other significant financial needs.

It is important to evaluate how a new loan may affect your monthly payment, overall costs, and long‑term financial goals. Not every situation is suited for a cash-out refinance, and understanding your equity position and the available loan programs is essential.

If you're considering your options, our team at CTC Mortgage can help you review scenarios and determine whether a refinance aligns with your goals. Contact us to start the conversation.

Early September is the perfect time to prepare for the fall homebuying season. As demand begins to pick up across our so...
09/01/2026

Early September is the perfect time to prepare for the fall homebuying season. As demand begins to pick up across our southeastern markets, taking a few proactive steps now can help you move quickly and confidently when the right home becomes available.

Start by reviewing your credit, organizing key financial documents, and evaluating your budget to ensure you’re comfortable with your potential payment. It’s also a smart time to begin discussing pre-approval, especially if you're considering options like a conventional home loan, FHA loan, VA loan, or USDA home loan.

Our team at CTC Mortgage is here to help you understand your financing options and get ahead of the busy season. If you’re preparing to buy a home this fall, we invite you to start a mortgage conversation with us today.

Bank statement mortgage options can offer qualified business owners and self-employed borrowers a flexible way to docume...
08/25/2026

Bank statement mortgage options can offer qualified business owners and self-employed borrowers a flexible way to document income when traditional tax return requirements don’t reflect their full financial picture. By reviewing 12–24 months of bank statements, these programs may help demonstrate cash flow in a more accurate and tailored way.

Because guidelines vary across lenders and products, final approval always depends on a complete review of your documentation, credit profile, and overall financial stability.

If you’re a business owner exploring alternative documentation solutions, our team at CTC Mortgage can help you determine whether a bank statement mortgage may be the right fit for your goals. Reach out to start the conversation.

DSCR loans can be a smart option for real estate investors looking to grow their residential portfolios. These programs ...
08/21/2026

DSCR loans can be a smart option for real estate investors looking to grow their residential portfolios. These programs evaluate whether the property’s expected rental income can support the mortgage payment, which means qualification may rely more on the investment’s cash flow than on traditional personal income documentation, depending on the loan structure.

This approach can offer flexibility for investors who prioritize property performance when securing financing.

If you’re exploring investment property loans, contact CTC Mortgage to discuss how a DSCR loan could support your strategy.

VA home loans offer important benefits for eligible veterans, active-duty service members, and qualifying spouses. These...
08/18/2026

VA home loans offer important benefits for eligible veterans, active-duty service members, and qualifying spouses. These programs can provide flexible financing options and may allow eligible borrowers to purchase a home with no down payment, depending on qualification and program requirements.

These government-backed loans are designed to support those who have served, offering a pathway to homeownership with terms that may be more accessible than traditional financing.

If you're eligible and curious about how a VA home loan could support your goals, our team at CTC Mortgage is here to help you explore your options.

Contact us to speak with a loan specialist today and learn more about VA home loan programs.

Homebuyers should plan for more than just the down payment when preparing for a new home. Closing costs are a key part o...
08/14/2026

Homebuyers should plan for more than just the down payment when preparing for a new home. Closing costs are a key part of the process, and understanding them early can help prevent surprises along the way.

These costs generally include lender fees, title charges, prepaid taxes, insurance, and necessary escrows. While every loan scenario is different, planning ahead gives buyers the confidence to move forward with clarity.

If you’re starting your home search, our team at CTC Mortgage is here to help you understand the numbers before you shop. Connect with us to get the guidance you need.

A home appraisal is a key part of the residential mortgage process, giving lenders an independent estimate of a property...
08/11/2026

A home appraisal is a key part of the residential mortgage process, giving lenders an independent estimate of a property's market value. Because loans such as a conventional home loan, FHA loan, VA loan, or USDA home loan are secured by the home itself, lenders rely on the appraisal to ensure the property’s value supports the financing amount.

A clear and accurate appraisal helps protect both buyers and homeowners by confirming that the home aligns with current market conditions. It can also impact mortgage approval, loan terms, and timelines, especially when purchasing, refinancing, or securing programs like a jumbo loan or investment property loan.

If you have questions about how the appraisal step affects your mortgage journey, our team at CTC Mortgage is here to help. Reach out anytime to learn more about what to expect.

Conventional, FHA, VA, and USDA home loan programs each serve different borrower needs. Conventional options may suit th...
08/07/2026

Conventional, FHA, VA, and USDA home loan programs each serve different borrower needs. Conventional options may suit those with established credit and stable finances, while FHA loans can be helpful for borrowers seeking flexible credit or lower down payment requirements. Eligible veterans and active-duty service members may benefit from VA loans, and USDA home loans support qualified buyers in eligible rural areas. The best fit depends on your qualifications, property type, and long-term goals.

If you're exploring your options, our team at CTC Mortgage can help you review the programs available and determine what aligns with your path to homeownership.

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

Alerts

Be the first to know and let us send you an email when CTC Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to CTC Mortgage:

Shortcuts

Share

Category