Your Digital Mortgage
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Secure Application:

100% Secure, 256-bit encryption

Easy to Complete

The Fastest Way to Get Started

Find the Loan that Works for you:

Low Monthly Payment

Low Interest Rates

Purchase or Refinance

Over $1 Billion

In Loans Funded to Date


Customer Satisfaction Rate


Average Loan Approval Period

Welcome to Positive Rate Mortgage, LLC based in Raleigh, NC.  Having retired from the United State Air Force Reserves (I flew  T-38's and KC-10's and KC-135's),  I am veteran owned and as sole employee of Positive Rate Mortgage, the only person responsible for your file.  I specialize in originating VA, Conventional, FHA, USDA, Jumbo, cash out, rate and term purchase and refinance loans and am licensed in the following states: AK, AL, AR, CA, CO, CT, DC, DE, FL, GA, ID, IN, KS, KY, LA, MD, MI, MN, MS, NC, NH, OH, OK. OR, PA, SC, TN, TX, UT, VA, WI, WV.         ,
Whether you are buying a home or refinancing, I can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

So why choose Positive Rate? Our overhead costs are some of the lowest in the industry.  I don;t spend money on layers of non revenue producing management and administrative employees that need to be compensated indirectly via giving you a higher rate or charging junk fees.  This translates to better rates and lower costs to you. Further, I originate your loan through wholesale lenders (not the big banks) which have digital mortgage platforms making the process easier and more convenient. You will also be able to electronically sign most of your documents.  Securely scan, email or upload your supporting documents as well. 

" Loans are arranged through third party lenders "


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