LET'S GET

CLEARED TO CLOSE

From West Palm Beach to Charlotte and beyond, CTC Mortgage helps homebuyers and homeowners find the right loan for their goals. Our team delivers competitive rates, local market knowledge, and a smooth process from start to finish.

Purchasing Loans

Purchase Loans for buying your first home, upgrading, or investing in a new property.

Refinancing Loans

Refinance Loans to lower your rate, shorten your term, or access home equity.

Other & Specialty Loans

Specialty Loan Options including VA, FHA, USDA, Jumbo, and Reverse Mortgage programs.

Mortgage Lending Made Simple

Clear-to-close home financing solutions

CTC Mortgage provides a full range of loan options to help you purchase, refinance, or invest with confidence. Licensed in Florida, Georgia, North Carolina, and South Carolina, we combine personal service with industry expertise to guide you through every step. Whether you’re a first-time buyer or looking to refinance, we’ll help you navigate your options with clarity and ease.

Icon of a house next to a document with dollar signs, representing real estate costs.

Local Lending, Personal Service

A commitment to clear communication

At CTC Mortgage, our name says it all—Clear to Close. We help clients across Florida, Georgia, North Carolina, and South Carolina find loan options that fit their needs. With branch locations serving diverse communities, we understand local housing markets and provide a process designed to keep things on track. Our 7-step approach ensures you stay informed from application to closing, and our focus on transparency means you always know what’s happening with your loan.

Two overlapping speech bubbles, one with a question mark.

Common Questions About Home Loans

Answers to help you get started

  • What states does CTC Mortgage serve?

    We are licensed in Florida, Georgia, North Carolina, and South Carolina, with branch locations in West Palm Beach, Moultrie, Charlotte, and Summerville. Each location serves its surrounding communities and offers a range of purchase and refinance loan options. Whether you’re buying near the coast or in a growing suburban area, we can help you find the right loan.

  • How do I start the mortgage process?

    You can begin by getting pre-approved through our online application or by contacting a loan officer at your nearest branch. Pre-approval lets you know your budget and strengthens your offer when buying a home. Our 7-step process ensures you’ll know exactly what to expect from application to closing.

  • What loan programs do you offer?

    We provide Conventional, FHA, VA, USDA, Jumbo, and Reverse Mortgages, as well as refinancing options. Each program has different benefits depending on your credit, income, and property type. Our team will review your situation and help you explore the programs that best meet your goals.

  • Can I apply for a mortgage online?

    Yes, you can apply online through our secure application portal. This allows you to submit your information from anywhere, and a loan officer will follow up to guide you through the next steps. If you prefer, you can also meet with us in person at one of our branch offices.

  • How are mortgage rates determined?

    Rates are influenced by factors such as your credit score, loan type, loan amount, and market conditions. We update our posted rates daily, but your personalized rate may differ based on your profile. The best way to get an accurate rate is to request a custom quote.

★★★★★

What Our Clients Are Saying

Feedback from satisfied homebuyers and owners

Tracy R.

I had a wonderful experience with CTC Mortgage. Melania and Pilar are both very attentive and professional. They went above and beyond what I had expected in a Mortgage company. Melania has an abundance of knowledge in which she shared to make sure I was getting the most out of my VA benefits. The process was made easy and the way they collected my data for underwriting, was very user friendly and easy to keep up with the demands of the request. The portal was secure and easily accessible. I will always use this company and I would recommend them to my family and friends!

Demetries H.

I could not believe the ease of use process. if you are prepaid they are ready to handle your mortgage loan.

Debby C.

"My agent Melania Robles was very knowledgeable, efficient, patient during this important phase of this process. I often found myself repeatedly asking the same questions, but she exercised patience, comfort and professionalism so I never felt embarrassed or inadequate when trying to understanding the mortgage process. I must say she helped to boost my confidence. I cannot thank you enough for all your help."

Bill C.

Good experience. Professional and helpful throughout the process.

Joanna C.

We've worked with CTC Mortgage twice now, and both experiences have been amazing. Everyone in the office (especially Jason & Alec) have been so helpful, patient, & responsive. They helped facilitate our closing quickly after the date got moved up. We are grateful to have found such a great company to work with!

Alen A.

A+ services provided from CTC Morgage ....great experience.

Norma C.

My experience with CTC Mortgage has been very pleasant. The process was extremely painless and the staff were exceptionally supportive: especially Melania Robles. Melania was wonderful in helping me pace myself with documents required as well as their submission during the application process. I really couldn’t have had a more supportive staff helping me along the way.

Richard G.

Jeffrey Totten and the team keep me looped in every step of the way. His market knowledge and advice positioned me well as the market began to change. Thanks to all... Rich

Frantz S.

Dear Ana, CTC Mortgage We wanted to take a moment to express our sincere gratitude for the exceptional service and support we have received from you and your team. From the very beginning, the process of securing a mortgage through your company has been seamless and stress-free. Your team was always available to answer any questions we had and provided clear and concise explanations throughout the entire process. I appreciate the level of professionalism and care that was demonstrated in all of our interactions. Thanks to you Ana, Alec and the rest of the team. We are now proud homeowner and couldn't be happier with our mortgage. We will certainly be recommending your company to anyone in need of a mortgage or refinancing services. Once again, thank you for your outstanding service. It has truly been a pleasure working with you and your company. Best regards, Frantz and Daphne

EJ R.

John Craig was always very timely with answers and I felt he always had our interests in mind. Alex was very clear and precise with his questions and very timely with his replies.

David K.

Phenomenal and very professional service and communication all during the closing process.

Elizabeth M.

Excellent customer service. Knowledge of products and In orderly manner. Great remote communications. I will definitely do Business again with the CTC group.

Paul B.

Our experience was great. Easy to use process for uploading and signing documents. Our processor Edward A was on the ball at every step. Would use them again.

Zac W.

I worked with Jason and Pilar to close on a new construction condo in St Pete. They are excellent communicators and everything was handled well.

Subhas S.

I had a great experience with CTC Mortgage, particularly my loan office Ms. Ana Verdayes. She is very knowledgeable , answered all my questions and made the whole process very easy. I would recommend CTC Mortgage to anyone interested to get a Home Loan .

Ed M.

All the people I worked with were very knowledgable and very friendly. The experience was quick and painless throuhout the process. I also got immediate responses to all the qustions I had, which is sometimes rare these days.

Brenda S.

My mortgage was for a new build. CTC requested the documents to review and approve the construction. Prior to the start of construction my husband died. CTC quickly reviewed and approved the application in my name only. Prior to closing Suzana Muller worked tirelessly to collect all documentation required by the underwriter to approve the loan. The closing was flawless thanks to Russell Petersen, the closing attorney.

Steve M.

Jason was helpful along the way, even with all of the crazy back and forth we had to go through. He did whatever it took to get the job done.

N G.

CTC Mortgage was one of a kind experience! Knowledge and professional approach to every aspect of the process is the company’s core value and it’s been received by all means! Jason Martin and his team made my daughter’s dream of having a home come true! Obtaining a mortgage sometimes can be challenging because it opens up a lot of personal information, and with Jason and the team I felt that my confidentiality was a top priority! CTC Mortgage is the one to trust!

A. R.

Jason and Alec made this experience the easiest it's ever been when purchasing a home! They were both very efficient and on top of everything. I had no stress this time around about anything.

Thomas K.

Was a great experience overall, even with underwriting and overall volatility of the current mortgage market. Of special note, most helpful to me in the process was Jason Martin. Jason, so professional and competent was such a pleasure to work with.. I had many questions and he answered them in a timely manner and in a way I could understand...he was a pleasure, CTC is lucky to have him on their team. Also very professional and helpful in the process was Alec Ceravolo. I would certainly recommend CTC and recommending Jason and Alec is a no brainer. Its refreshing working with such competent people. They are certainly valuable assets to CTC. Sincerely, Thomas Kerwick

Edward K.

I did an asset based mortgage with CTC which is more problematic. But CTC took me set by set. Communication was great. Everything went smoothly in the end. I highly recommend CTC.

Diana G.

Jason, Alec and team were fantastic! We were well informed from the beginning through the closing. Communication and response times were outstanding, which made it a stress-free and smooth process! As a fellow mortgage professional, I was impressed! Thank you!

Steve B.

We were looking to refinance our current home in order to have the funding to purchase a new home. We got in contact with David Costello which turned out to be the best thing we could have done. David's experience and expertise guided us through the whole on-line process in getting all the documentation we needed to satisfy CTC Mortgage which enabled us to get the funding we needed. The whole process took two weeks from starting our application to getting the funding we needed. Especially in today's market CTC enabled us to have the funding in order to make a purchase in a very competitive market. Thanks again David & CTC for making it possible for us to purchase a new home! Steve & Ginny Bradley

Nancy S.

Excellent service, fast and responsive!

Heather O.

We had the best experience with CTC Mortgage - they were kind, patient, flexible and extremely knowledgeable ! We are grateful to Jason and the team for helping walk us through every step of the process !

William T.

The best. Great service with personal concern.

Tina T.

I’m so thankful for the help I received from Ana Verdayes as my loan officer and her team. Her guidance and expertise made it possible for me to get an amazing loan package that fits perfectly with my financial needs. She went above and beyond to make sure everything was done in a timely manner. Ana Verdayes knowledge and professionalism made this process run smoothly, and it was a great experience through this process!

Paul T.

I have bought and sold a lot of properties over the years and this was on of the most pleasant and efficient processes I have experienced. Ana was great! And Pilar was great!

Richard F.

CTC is a very good mortgage outfit. Particularly nice to work with Nick and Melissa, who were very patient, thorough and accommodating of our every need. We had a a very smooth transaction experience and it is to be directly attributed to these two folks.

Perry H.

Great Staff!!

Luis E.

(Translated by Google) It was a pleasure working with CTC Mortgage, especially with Ana Verdayes, who worked incredibly hard, putting in long hours until the closing was achieved. Her excellent service made the difference. (Original) Ha sido un placer trabajar con CTC Mortgage, especialmente con Ana Verdayes quien trabajo super fuerte, horas largas hasta que se logro el cierre. Un servicio excelente de parte de ella fue la diferencia.

Elan R.

I had an absolutely outstanding experience with Jason Martin during the process of purchasing my new home. From start to finish, Jason was professional, knowledgeable, and genuinely invested in ensuring everything went smoothly. Jason took the time to explain every detail of the mortgage process, answering all my questions with patience and clarity. He went above and beyond to secure the best possible terms for my loan, working tirelessly to meet tight deadlines and ensure I felt confident every step of the way. What really stood out to me was Jason’s exceptional communication and commitment to customer service. Whether it was a quick update or a more complex discussion, Jason was always accessible, proactive, and incredibly reassuring. Thanks to Jason, what could have been a stressful process turned into a seamless and positive experience. I couldn’t be happier with the level of service I received and would highly recommend Jason Martin to anyone looking for a top-notch loan officer!

Allen D.

Ana Verdayes at CTC was my main contact and was both helpful and responsive throughout the process of obtaining my mortgage. I would not hesitate to reccomend her and the rest of the team at CTC.

Eduardo R.

Buying my first home felt overwhelming at first, but working with Ana Verdayes made the entire process a breeze. She was incredibly kind and patient, always taking the time to answer my questions and explain each step along the way. Ana truly cared about making sure I was comfortable and confident throughout the journey, and her support made all the difference. I’m so grateful for her guidance and professionalism—she turned what could have been a stressful experience into an exciting and smooth process. I couldn’t have asked for a better agent to help me buy my first home!

Rich S.

It was a wonderful experience working with CTC Mortgage. Everyone I dealt with was professional and courteous. I would highly recommend them for your mortgage needs.

Tina G.

Ana and the entire team were amazing!!! Purchasing a home is stressful enough, but purchasing a home and living in another state adds on another level of stress. Working with Ana was a great experience. She walked me through the process, suggested alternatives and options to meet my needs, responded immediately to any questions I had, updated me on progress, changes, or items needed immediately. She is very professional, sweet, patient, and was a pleasure to work with. I highly recommend working with this team if you get the opportunity.

Dennis A.

CTC Mortgage helped make buying a new home just a little bit easier. Shannon and team led us through the loan process. Of course I'd love a lower interest rate. But that is out of their control right now. Communications clear and timely and closing went as smooth as could be.

Matthew A.

Ana and Melissa were so great and so helpful! Highly recommend using them!

Rob W.

Ana was knowledgeable, thorough, timely on her communications and we were pleased with the service.

Alain D.

My experience with CTC mortgage was fantastic! I would definitely use them again and recommend them to my family and friends. Ana Verdayes, my loan facilitator, was exceptional. She was very knowledgeable and easy to work with. She resolved any problems that came up very quickly and turned a normally frustrating and cumbersome process into one that was smooth and enjoyable. Thank you Ana as well as the team at CTC mortgage!

Nancy G.

These folks are very efficient, professional, and polite. My questions were answered very promptly. I highly recommend this group, if you're looking for a mortgage loan.

Linda W.

Shannon was very helpful and patient with me during the process. It’s very challenging, yet rewarding, and CTC was there to help with the adventure. I’m very impressed with their communication efforts as well as their attentiveness. Thank you for staying by my side thru this daunting journey.

Linda W.

Shannon was very helpful and patient with me during the process. It’s very challenging, yet rewarding, and CTC was there to help with the adventure. I’m very impressed with their communication efforts as well as their attentiveness. Thank you for staying by my side thru this daunting journey.

Brad C.

Great experience, team works together to make the experience easy. Would highly recommend Nick and his team

G F.

Working with CTC Mortgage was an absolute pleasure from start to finish. Their team was professional, responsive, and made the entire process smooth and stress-free.

Tom B.

Jason Martin was excellent to work with.

Terry N.

Ctc mortgage company gave us the best rate available,they worked hard to make everything go smoothly and was the person we communicated with she's outstanding highly recommend

Danny N.

CTC Mortgage is great. Ana Verdayes provided great support and quickly responding to all questions.

Arnold M.

Jason Martin and CTC Mortgage were excellent in all aspects of the process. Professional, informative, patient answering questions and queries, proactive in providing information and pleasant personality. Just a great experience ! Highly recommended!

Marcos N.

Shannon was amazing to work with she was very knowledgeable and informative, she was also very responsive throughout the process. The process was made easy with the online portal I was able to keep up to date with my docs and see right away if anything was missing. I would definitely recommend CTC Mortgage 😁

Ronnie G.

Ana Verdayes and her crew were AWESOME!!! They made closing on our new home a simple process. If I had any questions I would call Ana and she would answer the phone. If she couldn’t she would call me right back. She was such a pleasure to work with. I would definitely recommend CTC Mortgage if you are looking to buy a home.

Sweet L.

It was a pleasure working with Nicholas Beck and Hristo Belchev. They were patient and polite. Questions were answered without delay. Thanks to these professionals. I highly recommend these guys.

Sheila C.

Loved working with CTC Mortgage! Ana was awesome!

Mike W.

Anna was wonderful. She answered all my questions with easy to understand answers. She kept me on track - not an easy thing to do - throughout the entire process.. I'll recommend Anna to all my friends.

Bettye F.

Excellent service, very professional and friendly.

Hector V.

Jason Martin and his CTC Mortgage Team did a fantastic job throughout the entire process. Very customer centric and knowledgeable.

Tim L.

Ana was a pleasure to work with for the mortgage on our new home. She was responsive to questions and worked to provide the best rates available.

Sharada A.

Ana Verdayes is amazing !! She is extremely helpful empathic, at the same time astute and an absolute delight !!!!! She takes customer care to a different level She should be made the boss instead of whoever they have at present . One of the best people ever that I have met !!!

Jadyn B.

We had a very difficult time with our mortgage for our home and Shannon was amazing, she did everything she could to help us and made the process so much easier. Definitely recommend!

Brian M.

Working with CTC Mortgage was easy and seamless. Everyone I interacted was friendly and professional. I would especially like to thank Ana Verdayes who was our point of contact through the process and kept us apprised of each step in the process.

J T.

Jason Martin and his entire team from CTC Mortgage made the mortgage process painless. Communication was the key. We were in constant contact with Jason and the team. I highly recommend CTC Mortgage for your home financing needs.

George M.

Most professional group of people I’ve ever met. CTC, John and Kaitlyn made the process super smooth.

Jeff W.

Ana and the team were exemplary. They worked closely with us on the purchase of our new home making sure we were informed every step of the way. We would highly recommend CTC and in particular Ana Verdayes. Thank you Ana.

Hank P.

CTC Mortgage was a pleasure to work with. Ana was very professional and always guided me through any questions we may have had. An Excellent experience.

Ron Y.

Helpful, personable and attentive. All great attributes for your loan officer.

Jackie H.

I had a great experience with Jason Martin. He made what is an already very stressful situation for my buyer so much easier and smoother.

Kevin O.

From start to finish Nick Beck was a true professional. He made the mortgage process so easy. Always quick to respond to any questions or concerns. The mortgage processor, Hristo Belchev, was also great. Working with CTC Mortgage was a wonderful experience. I highly recommend using them!

Robert R.

We can’t express our appreciation enough and how grateful we are to Shannon at CTC Mortgage and for her help through this process. She would call often to explain each detail and step and keep us posted. In addition, she was very accessible to answer our many questions and concerns. We were also helped by Hristos with submitting the many documents needed to complete the mortgage. We just closed on our dream home at Cresswind Lake Harris and we will be forever thankful to Shannon so we can live in this beautiful community!!

Amy T.

Great work on the part of CTC Mortgage working with a challenging situation. Thankful they were able to support me in my home loan. Kudos to Lauren Olfson who was great to work with!

Chris M.

Everything during our process of buying a home was made as easy as possible with CTC Mortgage. They were very helpful and always responded to us with answers we needed. We worked with Ane mostly and she was so kind and helpful. We would recommend them for anything

Angelo F.

CTC mortgage, jason martin made the process Easy for me , knowledgeable, efficient , I will recommend him without any hesitation

Joseph M.

From start to finish and everything in between, CTC Mortgage was outstanding. Jason was extremely knowledgeable, professional, and patient. He is a true Southern Gentleman. Melissa was detail oriented, focused and diligent throughout the process. CTC Mortgage exceeded all expectations and was supportive and informative every step of the way. Strongly recommend CTC Mortgage.

Ken

I wanted to take a moment to express my sincere gratitude for all the help CTC Mortgage provided throughout my home-buying process. Ana, our loan officer, made the experience far less stressful and more enjoyable by always being available thru a quick phone call or email or text to answer our “constant” questions. Olga, made the underwriting process informative and detailed and was patient when we needed more explanation with any background checks Ana also ensured the loan process stayed on track and helped me all the way up to closing day on our new home. I’m grateful for her outstanding service and would recommend you CTC Mortgage to friends and family looking to purchase a home in Florida.

Richard D.

Great service throughout the process

Mark B.

Super professional and seamless service. Thank you Shannon!

Jean W.

We were very fortunate to be able to work with Jason Martin and his team. My wife and I were looking to purchase our 1st home and Jason helped us from the beginning to end of the home buying process. He answered all of our questions and was always available. I highly recommend CTC Mortgage and Jason and his team. Again, thank you for everything.

Reid G.

Nicholas and Melissa were fantastic to work with, a true pleasure.

Angela M.

CTC made the home buying seamless and easy. Thanks, Jason and entire CTC team for answering all my questions and making me feel confident in this purchase!

Susan R.

Seamless process from start to finish. Answered all questions quickly and were always accessible. Very professional company and loved working with Lauren and Melissa.

Daniel H.

Very good work to get the job did I'm very satisfied with the great job

Menard S.

Nicholas Beck is an excellent mortgage lender —knowledgeable, helpful, and always available. No matter when you call, he answers and is ready to assist with anything you need. I highly recommend him.”

Saleika L.

Great working with the folks at CTC Mortgage. They kept us informed every step along the way and handled all matters in a timely fashion.

Sam M.

Great experience, very helpful thru the process

Karen S.

Ana at CTC was great in helping us to secure our loan. She was thorough, answered questions, and designed a loan package that allowed us not only downsize, but move into a new home at an incredible rate. There were no surprises at closing and she advised us through the entire process.

Erik

Nick was great work with and watching rates to the very end ensuring I would come up with the lower rate possible for my loan. He was also very responsive and very easy to work with!

Marty C.

Very professional, and attractive. Also personal Along with caring about our experience.

Dana V.

My experience with CTC mortgage was truly exceptional! Jason Martin and Hristo Belchev were over the top excellent! Jason was always courteous, professional, and knowledgeable. He explained the process to me and was very responsive whenever I had any questions – especially on the day of the closing which was super helpful. I also had a wonderful experience working with Hristo Belchev who made the processing of my mortgage seamless. He was polite and kept me on track and on time for the necessary final steps of the closing. I am truly grateful to Jason and Hristo for making this such a wonderful experience. Overall, I highly recommend them and this company!

Matt F.

CTC Mortgage offers a professional mortgage process from application to post-closing. In particular, CTC's Senior Loan Officer, Nick Beck, helped my wife and me throughout the mortgage process. Nick professionally guided us through each step. As a result, we highly recommend CTC Mortgage, particularly for Kolter Homes new builds. Thanks Nick!

Gary P.

Nick Beck was great. Always responded to messages quick. Explained everything and was great to deal with He made it an easy process for me. Thanks !!!

Tracy R.

I had a wonderful experience with CTC Mortgage. Melania and Pilar are both very attentive and professional. They went above and beyond what I had expected in a Mortgage company. Melania has an abundance of knowledge in which she shared to make sure I was getting the most out of my VA benefits. The process was made easy and the way they collected my data for underwriting, was very user friendly and easy to keep up with the demands of the request. The portal was secure and easily accessible. I will always use this company and I would recommend them to my family and friends!