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Low Monthly Payment

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Purchase or Refinance

Over $1 Billion

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Customer Satisfaction Rate


Average Loan Approval Period

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Welcom to Positive Rate Mortgage, LLC Website.  I am retired from the Air Force Reserves and flew T-38's and KC-10's in the active duty and KC-135's
in the Reserves.  I am the owner and sole employee of Positive Rate Mortgage and can originate VA, Conventional, Jumbo, Purchase in Raleigh, NC, CT, GA, OH, IN, MD, AL, DE, NH, CA, CO, TN, TX, PA, VA, WV, SC, FL, ID, OR, MI, MS, UT, MN, KY, WI, LA, OK, AK, KS, DC
Welcome to the official site of Positive Rate Mortgage, LLC. I am veteran owned, one man operation that is a  full-service mortgage brokerage company based in Raleigh, North Carolina. 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 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 with 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 and email your supporting documents as well.  

We offer the following purchase loan options:

FHA | VA | USDA | HomePath | Jumbo | Commercial | Conventional

Refinancing? I can help with that, too!

I offer a wide range of refinance options, designed to best meet the needs of all borrowers. If you're looking for cash out, second home, investment or to just get a better rate and term, I can assist you. I offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HARP | Commercial | Jumbo

Contact Positive Rate Mortgage, LLC today to discuss your mortgage loan options and find out which loan program will best suit your needs.

" Loans are arranged through third party lenders "



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