Chris Carter Mortgage Broker

Chris Carter Mortgage Broker I've been a Mortgage Broker for 20++ years and love every minute! NMLS # 619947 Hey, I'm Chris, a regular everyday guy. My 5⭐ rating backs that up.

I'm married to my best friend, have 3 amazing kids, the best dog on planet earth. I have an amazing balanced life and spend time outside of the office playing pickleball or Texas Hold'Em with friends. In my 20++ years in Mortgage, I've come to know that Real Estate 🏡 IS the best vehicles to help create financial freedom, and I believe that everyone should have the opportunity to own a home. I stri

ve to give my clients the best home loan experience possible, and work hard to make sure I deliver on that. Being a Mortgage "Broker", I get to pass on industry low rates & fees, as well as the great home loan experience you want & deserve! I love to help & look forward to meeting you! Chris Carter, Mortgage Broker | NMLS # 619947
Loan Factory | NMLS # 320841
www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/320841

10/24/2025

Closings are getting delayed—and there's one major culprit.

The ongoing federal shutdown has halted the National Flood Insurance Program, and it's putting an estimated 3,600 home closings per day at risk.

If you're working on a transaction in a flood-prone area, even a fully ready deal could hit an unexpected pause.

Pro tip: Ask early if the property relies on NFIP and consider building in 7–14 extra days to your timeline.

Help your clients stay informed and avoid last-minute surprises by planning ahead.

10/22/2025

Mortgage rates have eased into the mid-6% range — but will they go lower?

It’s not as simple as following the Fed.

Here’s what really drives rates and how to be ready when the right opportunity comes.

10/17/2025

The market is shifting — and smart agents are already adapting.

After months of rising inventory, growth is stalling as homeowners stay put under the “rate-lock” effect.

But here's the upside: buyers are more qualified than ever, and affordability is the best it's been in two years.

New construction homes are becoming a powerful alternative, especially with 66% of builders offering buyer incentives.

Agents: now’s the time to reconnect with builders and present these ready-to-go options to your clients.

10/08/2025

Thinking about buying or refinancing?

With rates moving after the Fed’s cut, the question isn’t just “wait or act?” — it’s how to line up your decision with your timeline and goals.

Here’s what to weigh before you choose.

05/06/2025

Attention Sacramento future homeowners!

The latest housing market update shows a significant increase in inventory. This means buyers now have more options and a greater chance of finding the perfect home.

We're seeing a move towards a more balanced market, which can ease competition and potentially offer better negotiating opportunities.

If you've been considering a move, let's connect and discuss how these changes can benefit you!

05/05/2025

🔍 A recent survey shows that 8 out of 10 Americans think home prices will drop in the next recession.

But do recessions really lead to housing crashes? 🤔

Let’s break down what the data says—and what it means for buyers and sellers in 2025.

👇 Comment your thoughts!

05/03/2025

Here’s the good news:

Many sellers are offering concessions right now—meaning they’ll help cover your closing costs, repairs, or even buy down your interest rate.

This is a unique moment in the market where buyers have leverage.
Message me "CONCESSIONS" and I’ll show you how to make the most of it while it lasts.

05/03/2025

There’s more to your financial future than just the rate on your mortgage. Here are 3 things that matter more right now — and could save or make you thousands.

💡 Whether you’re buying your first home or your fifth, this insight is for you.

Let me know your thoughts in the comments 👇

04/30/2025

Think your bank is the best place for a loan?
You might want to watch this first, or it could cost you thousands!

Address

Sacramento, CA

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 9am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+19167948042

Website

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