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.
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.
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
Mariana F.
Hard to find the words to use to express my gratitude for ALL CTC Mortgage did for me, in short time to solve, approve and cover the needs of my loan, efficient, elegant and unexpectedly friendly with great understanding of my situation. Thanks God such people and institutions still exist. Thank you Jason Martin, thank you Kaitlyn Langley and thanks to other people involved that I do not know.
Brady V.
Jason helped me with my loan and purchasing a new home for me and my family. He is the best guy in the business and great to work with. I wish all people were this great at their job. I can’t say enough good things about him and would recommend him 12 out of 10 to anyone that is interested in using his services.
Cindy A.
Ana at CTC Mortgage makes the entire process seamless. She is responsive, professional, and sincerely amazing. I would highly recommend CTC, and especially Ana!
Luz H.
CTC Mortgage with the personal great and professional assistance of Ana Verdayes
Mortgage Loan Originator. She worked fast to get the loan approved on time for the closing.
I recommend their services.
A.W. B.
Jason, took the time to explain and answer every question, and or concern. He deserves an award for patience and diligence. Job well done !
Bill S.
Working with Lauren through all the steps necessary with building a new home was completely effortless. Lauren kept me informed at every turn and handled all my questions like a true pro. Thanks to Lauren I’m loving my new Home.
Robb M.
Lauren Olfson did a wonderful job securing the best interest rate possible and was the very best to work with during the lengthy process. Thank you Lauren!
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.
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!
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!
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.
Tom B.
Jason Martin was excellent to work with.
Hector V.
Jason Martin and his CTC Mortgage Team did a fantastic job throughout the entire process. Very customer centric and knowledgeable.
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.
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.
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.”
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!
Brad C.
Great experience, team works together to make the experience easy. Would highly recommend Nick and his team
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!!
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
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.
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!
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.
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.
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.
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!
Richard D.
Great service throughout the process
Mark B.
Super professional and seamless service.
Thank you Shannon!
Matthew A.
Ana and Melissa were so great and so helpful! Highly recommend using them!
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.
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.
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.
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.
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!
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.
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!
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.
Sam M.
Great experience, very helpful thru the process
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!
Marty C.
Very professional, and attractive. Also personal
Along with caring about our experience.
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.
Ron Y.
Helpful, personable and attentive. All great attributes for your loan officer.
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 !!!
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.
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!
Reid G.
Nicholas and Melissa were fantastic to work with, a true pleasure.
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
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 !!!
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.
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 😁
Bettye F.
Excellent service, very professional and friendly.
Angelo F.
CTC mortgage, jason martin made the process
Easy for me , knowledgeable, efficient , I will recommend him without any hesitation
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!
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!
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!
Danny N.
CTC Mortgage is great. Ana Verdayes provided great support and quickly responding to all questions.
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.
Sheila C.
Loved working with CTC Mortgage! Ana was awesome!
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.
George M.
Most professional group of people I’ve ever met. CTC, John and Kaitlyn made the process super smooth.
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.
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.
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.
Bill C.
Good experience. Professional and helpful throughout the process.
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 !
David K.
Phenomenal and very professional service and communication all during the closing 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!
Perry H.
Great Staff!!
Demetries H.
I could not believe the ease of use process. if you are prepaid they are ready to handle your mortgage loan.
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
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."
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.
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
Alen A.
A+ services provided from CTC Morgage ....great experience.
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.
William T.
The best. Great service with personal concern.
Nancy S.
Excellent service, fast and responsive!
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.
Luis E.
(Translated by Google) It has been a pleasure working with CTC Mortgage, especially with Ana Verdayes, who worked incredibly hard, putting in long hours until the deal closed. Her excellent service made all 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.
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.
Diana T.
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!
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.
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!
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
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
Brian M.
I promise you this will be the best experience you've ever had! Jeff and Karina with CTC Mortgage were absolutely amazing!! They make you feel like family!!
Andrew C.
Great and helpful service from Shannon and Lauren. Seriously did not think it could happen, but it did! Now I can live and breathe again.
Marcia S.
CTC Mortgage was a pleasant experience for us. From from application to funding they were so helpful. The were patient yet super efficient. The answered all our questions and guided us all the way. We never felt pressured in any way. Our reverse mortgage has changed our lives for the better and CTC mortgage gets our heartfelt thanks! We recommend them to anyone considering this process.
Marielly B.
Outstanding service. Ana Verdayes is an amazing asset to your Company. The professionalism and attention to detail that Ana provided to make the entire process as smooth as possible was exceptional. Ana was very assertive and diligent. Since day one she gave us the confidence and tools we needed. I will recommend Ana and CTC Mortgage to all my friends and family. It is always a plus to have a bilingual person in a Company. Thank you Ana and CTC staff.
John R.
Excellent service
Philip B.
I would just like to start off by saying wow. My wife and I bought our first home with the assistance and guidance of Alec and Tara. Every time I had a question, Alec answered with the utmost honesty and professionalism. It was such a pleasure working with both of them during this purchase. Buying a house is very stressful, but Alec and Tara made it a very smooth process from start to finish. My wife and I could not be more grateful to both of them for helping our dream of owning a home come to fruition. If I could give 10 stars I would. Thank you CTC Mortgaged!
Sharon G.
Aaron was a professional and gentleman the entire process. A joy to work with and responded to my inquiries and concerns quickly. A blessing to us and I’m sure whoever he works with…Great job!
Jeff S.
David Costello made my transaction absolutely a wonderful experience. Answered any and all questions I had in record time. I highly recommend using CTC Mortgage and ask for Mr. Costello.
Grade A experience for sure !
Walter A.
Professional, Extremely helpful and will definitely be a customer again in the future when your services are needed.
Jeff Totten and Alec Ceravalo were excellent with assisting me in the process
Angel F.
My loan process was handled very professionally and in a courteous manner by my loan processor Melania Robles and her assistant Olga Mesa. They always were available to answer my questions and meet my needs in a caring manner. They made it easy for me from the beginning to the very end of the loan process.
I am completely satisfied and thankful for a great service!
Richard Falcon
Harvey
Aaron did a great job sheparding us through difficult times. CTC was wonderful.
Tom P.
We had a great experience in dealing with Aaron Casanova at CTC Mortgage. He is an excellent communicator with a terrific attention to detail and follow-thru.
He was also a very pleasant and funny guy to boot. I highly recommend Aaron and CTC.
Jeff M.
Aaron Cassanova was extremely attentive to our needs throughout
the entire loan process. He always made himself available, and was always eager to help.
Larry L.
We recently closed on our new home with CTC as the mortgage company. The home had become available last minute, and we needed a fairly quick closing process. The folks at CTC were fantastic to work with. Aaron Casanova was our primary contact, and I can’t say enough about how helpful he was. There were a lot of quick turnaround items to deal with, and he was always on top of it. We always knew exactly where everything stood and what the next steps were. When we had questions (and there were lots of them) he was always there and readily available. Very highly recommended!
Gordon B.
Helpful mortgage/Loan Officers that helped me process my mortgage fast and efficiently. Olga and Melania kept me up to date on where I was in the process and what was required on my end to get everything going. The mortgage process in general is never really a great experience as companies ask for large amounts of financial documents, but CTC kept the process as painless.... as the process can be.
Candice C.
I would like to thank everyone at CTC Mortgage for their professionalism and hard work in completing my mortgage application. In particular, I would like to thank Aaron Casanova for his services, communication, and the mortgage process. He kept me aligned with the process through follow-up phone calls and messages. However, he would still check in to see if I had any questions or concerns. His welcoming communication style was outstanding throughout the process. I highly recommend Aaron and CTC Mortgage.
Jan B.
Very knowledgeable and helpful all throughout the process. They delivered what was promised from the beginning.
Ludmyla I.
I was very pleased with all the process and help from everyone involved in helping me purchase my first home. I highly recommend CTC mortgage company. 😊🏠🔑
Douglas S.
I shopped for a mortgage with 5 highly rated Mortgage Companies. I received their proposals and completed a line-by-line cost comparison. While three the loan offers were identical for the interest rate of 2.250% the cost to get the 2.250% (Paying Points) from each lender were different. Each lender was charging a different Point Purchase Fee to guarantee the 2.250% rate. I eliminated one of the lenders due to their Point Purchase Fees being very expensive. I took the two remaining lenders' proposals and meet with my accountant to review. We selected CTC Mortgage because they had the best mortgage offer and incentive program.
I would absolutely recommend CTC Mortgage to anyone considering purchasing a new home. They were very easy to work with and keep me informed on the loan status. The most important thing a barrower can do is shop several mortgage lenders and compare offers. CTC Mortgage although not as well-known as some of the larger lenders they had the best proposal of the 5 lenders I contacted.
Joe R.
I wasn't sure who to use for my mortgage company, a friend mentioned
CTC Mortgage Company and I'm so happy I did. Aaron Casanova and his
Team were outstanding, that addressed all of my concerns in a quick and
professional manner. It was a great experience!
Joan C.
Aaron Casanova is the most helpful and knowledgeable mortgage officers I have ever had the pleasure to work with. I highly recommend CTC Mortgage and specifically Aaron.
Regina V.
Aaron was very professional--great communication. If I could I would give him 6 stars!!!
Chris D.
We’ve done many mortgages over the years, and none has have ever been as easy and smooth as it was with CTC Mortgage and particularly John Craig. Usually the mortgage process is daunting and stressful, but John made it very easy and a smooth process for us. His advice and guidance was extremely helpful and he kept us informed every step of the way.
If you’re planning to apply for a mortgage, I highly recommend John Craig with CTC Mortgage. Their rates and fees were very competitive with other companies and John is just a pleasure to work with.
Evan M.
Aaron Casanova was very helpful and cool!
Tyler M.
Hello! I am beyond satisfied on the work that Aaron Casanova has done for me and my family. If you want a reliable guy to help you get your loan. Aaron is your guy! He is such a great guy and is full of a very happy personality and your guaranteed to have an awesome experience and very reliable service, Thank you!
Omar R.
Got a loan yesterday, I’m 23 and I just found out what credit was (should’ve taken financial algebra lol). Aaron was basically a teacher for me. Spent about an hour on the phone with me teaching me what credits was got me a great loan with a great rate. Thank you Aaron!
Ricardo E.
Aaron casanova he was a great loan officer and helped me out without any problems.
Payton J.
Aaron is great, incredibly reliable and a great communicator!
Rashid I.
I was pre-approved with another lender, and Aaron explained the advantages of going with CTC Mortgage, such as being available to answer questions by phone or office visits, which allowed him to review forms for correctness, faxing, and providing copies Due to supply shortages which greatly extends the mortgage process, Aaron has been very helpful getting us through this long process
Stacy K.
Everyone did a great job communicating and getting the paperwork from us that needed to be gotten. And although it was touch and go there at the end I know everyone put forth a great effort to get the job done. Thank you!
Carolynn J.
David Costello was an attentive, personal and comforting loan officer. He and has a wonderful personality and will answer all questions and concerns promptly. Covid caused delays with supplier and the original closing month but the experience and professionalism was TOP NOTCH!!! His first impression was great and continued throughout the completion of the closing process, my husband and I are very pleased and THANKFUL for David!!!
Maureen P.
Melania Robles has been the most kind and patient person I have ever met, you are so very lucky to have her. She help us with our loan very smoothly and professionally, we couldn’t asked for more. I will surely recommend her to anyone.
Erika E.
David Costello at CTC Mortgage provided outstanding customer service, and helped me get my cash out refinance done in record time. David was very professional, and truly knows his stuff when it comes to the mortgage industry. He made the process seem so easy! I'd highly recommend him to anyone looking for home financing.
Fred P.
Fairly effortless John Craig answered all questions and kept the process moving smoothly.
Jodine V.
Melania and the team at CTC went above and beyond expectations to get our mortgage approved. She, and her team, worked tirelessly and we were able to get our loan approved and Funded in less than 3 weeks from loan application being submitted until closing on our new home. In this day and age, getting a loan processed and approved in 30 days is excellent, but getting one done in less than 21 days is practically unheard of!
Sally M.
John Craig was wonderful to work with! He was professional and helpful, answered all our questions promptly, and was available even on weekends! Our refinance was the easiest process ever and was completed in a shorter time thank we anticipated. We could not be happier with the service that John provided and would recommend him wholeheartedly.
Michael H.
Highly recommend CTC mortgage!Melania and her associates were very professional and easy to work with.
Mike P.
David Costello was an absolute pleasure to work with on our personal refinance. He answered all of our questions and ensured that we understood all parts of the financing process. All calls were answered promptly and our loan closed on time without any issues and at the best rate. David is the best!
Steven C.
Great service and thorough. They were able to lock in a great rate for me and showed a lot of patients with me through the process
Steven R.
My experience with CTC mortgage was really working with my loan processor Corazon Vergara and my loan officer David Costello. Two better people are hard to find. They are responsive , competent , kind and always have my best interest at heart. They worked together to make sure I got my mortgage at the best rate available at the time. They found ways to help me in anyway I needed. They answered all my questions sometimes the same question a few times. i am new to getting a mortgage based on 1099 income and pensions. it was a different process than a W-2 mortgage with a set amount of income and for a few years prior. I appreciated the work and finding ways to make the process easier.
I would recommend CTC mortgage always. There was a short time Cora was unavailable and one of her colleagues filled in. He was also excellent. I am thankful PGA Verrano recommended me using CTC. I was also appreciative to get a signing rebate on the mortgages well.
Vera G.
David was our loan officer and he was super responsive throughout the entire process. He was professional and made the whole process seamless. I would highly recommend him.
Karl T.
David and Cora were awesome!! Very responsive and supportive throughout the entire process!!!
N. C.
I was grateful for the deep experience of CTC. I feel fairly certain that without their knowledge of the industry and creativity, I might not have landed the mortgage I got at the rate I got.
CTC- quite ethically - raised the possibility that I might not get approved when things were sticky heading into the due diligence date. I was given fair notice in time for me to recover my earnest money rather than take a risk. I stayed in. I was certain that CTC was going to pull out all stops to make it happen. I never thought that my application had gotten lost in the mix, even when communication was sparse.
Really glad to have met this group. The process is never fun, but I was well looked after.
Rosemary C.
I purchased a new construction home and needed a mortgage. I was recommended to use CTC Mortgage and was very pleased with my choice. My broker David Costello made this complicated task a seamless process. He explained the necessary information & documentation I needed to qualify for a desirable fixed rate mortgage. With his professional help and organizational skills he patiently coached me to the finish line on time. I feel that David has a dedication to his clients and was always available to me when I had a question or concern. I highly recommend anyone needing a trusting, experienced professional to contact David Costello and know he will get the job done efficiently.
Donna S.
Thanks to David Costello! He was a huge help in all aspects of the mortgage process. I would recommend him to anybody that is looking for a mortgage. Very Professional and went over and beyond. Thank you!
Maryjo H.
I was extremely pleased. David Costello was always available, days, nights, weekends, and his vacation..... making things as easy as possible for me, especially during this "hands off, masks on" pandemic.
Richard R.
Melania and her team did a fantastic job handling our new home purchase/mortgage. Very friendly, knowledgeable and responsive. She took the time to present multiple options for us and always answered any questions we had. In the end, we closed on time, stress free, and with a rate/payment we were very happy with.
I would highly recommend Melania to anyone who is seeking a loan officer who is knowledgeable, caring, diligent, responsive and ultimately takes pride in their work.
Michele G.
David Costello with CTC mortgage was our broker. He was extremely helpful and kept us in the loop throughout the process. He answered all our questions within minutes of our asking. When we had technical problems he got us help immediately. I would highly recommend David to anyone needing a mortgage.
Janet C.
What a great experience I had with CTC Mortgage. Steve & Bart was a dream team to work with. The rate I was given was highly competitive, the service was amazing. They returned phone calls and email immediately, I always knew where I stood on my mortgage and the end results was exactly what I was promised. I would highly recommend CTC and Steve & Bart to anyone look for a refinance or new mortgage. Super service and very knowledgeable. ~ Janet C
Nicholas B.
Hats off to Jeff Totten and Ashley Livek for their patience and expertise throughout the mortgage process. They’re both battle-tested and you can rest assured their guidance will see you through to your next home purchase. They will bring you their A-game, because I witnessed it firsthand.
Dawn L.
Working with CTC Mortgage was great especially outer processor Corazon Vergara who went above and beyond the call of duty to ensure our home was closed on time.
Deb W.
We haven't had to apply for a mortgage in many years. Shannon was very patient and prompt in answering all of our questions. Because the seller wanted to close quickly, they were so good about expediting our loan. Would highly recommend!
Lina
I had a positive experience. Everyone was welcoming and patient. They all work together to walk to me through the steps I needed to do. Any questions I had they were ready to respond with a smile. They were always available, even on the weekends and vacation time. They all worked really hard for me.
Thank you for your service !
Steve S.
I had a really good experience with my refinance and would highly recommend CTC Mortgage.
Jared S.
Getting the mortgage was tough and there were a lot of obstacles along the way. But Jason Martin was able to secure the deal for me. Very happy to be in my first home. Thank you Jason
Charles H.
Bart and Steve got us the best rate and the best terms! The process was super simple and faster than I could have imagined possible. I will certainly work with them again!
John P.
After serving 22 years in the Navy and an additional 26 years working in support of our Armed Forces, it was time to transition to our retirement home.
Leaving Maryland for Florida was a difficult decision. And the pandemic caused additional challenges. But through it all, there was one constant: Melania Robles.
Melania is not only an exceptional professional, but also a caring individual. She didn’t treat us like clients, but her extended family. Melania was there without fail to answer our many questions. She was the one person that helped us through this process. Words cannot express our heartfelt thanks and gratitude.
If anyone requires a mortgage in Florida, we strongly recommend that you contact Melania. We trust Melania without condition. You can as well.
Kathy and John
Samir Q.
Had my mortgage done with Jason Martin. Excellent customer service with CTC and was available to answer any questions anytime. Made me feel comfortable throughout the process. Highly recommend this group!
Ricky L.
These folks really know how to make the process more enjoyable. I can't say enough about the team that worked with me on this home buying experience. They were there for us every step of the way. Melania and Olga were fantastic and I can't thank them enough. Great job guys!
J. G.
Top notch!
Claudio R.
CTC Mortgage, Jeff and his team were very professional. Excellent job done. Quick and fast. Highly recommend this organization.
Tyler B.
Melania Robles was fantastic to work with . She was extremely communicative and had a high sense of urgency! I look forward to using her when I purchase my next investment property. Highly recommended!!
Nathan B.
CTC was great to work with. Easy, self explanatory portal. Prompt responses to all of our questions
Brandon C.
Martin and Jessica were awesome, very quick to respond, and helped us meet all the deadlines. Really great working with CTC.
Lucille S.
Jason from ctc mortgage made it so easy for us. He always answered our questions immediately. Walked us through every step of the way so there would be no surprises. I am extremely satisfied. Thank you Jason.
Dinos C.
Great company to work with, highly recommended. Very clear direction and transparency throughout the process.
Matthew Z.
The team at CTC made the refinance process stress free. Low cost and low interest rate compared to the industry norm. Very friendly and informative staff. They were constantly in contact to let me know what was going on. Thank you CTC for the great experience. I will recommend to friends and family!!
Aaron P.
CTC mortgaged was great throughout the entire process. They stayed on top of all the steps while keeping me informed. Their rates along with fees were extremely competitive, I would highly recommend them!
Malcolm J.
CTC Mortgage did a fantastic job with my recent refinance. I got a great new rate and the transaction went seamlessly. Jason Martin in particular was excellent to work with, very responsive & knowledgeable. Would recommend to anyone!
Josh C.
Shannon was great!! Made the loan process easy and didn’t even have to leave the comfort of home! Thank you!
Mike B.
I had such a positive experience with John Doerr and the whole staff at CTC Mortgage. John was with us the whole time from start to finish and he showed us that he had our best interest throughout the whole process. I would definitely recommend using CTC Mortgage and John Doerr for your future mortgage endeavors.
Nina B.
If you are looking to refinance, remortgage or need a loan, this is the company to call. Jason was exceptional. He went above and beyond to make sure we were updated and his follow up was exceptional. I would recommend Jason at CTC Mortgage to anyone. Thank you Jason!
Will T.
Melania Robles was amazing and kept me at ease throughout the loan process. She worked very hard for me as my situations wasn’t the easiest but she made sure it got done for me
Kieve B.
It was a pleasure to work with Melania Robles, who was extremely helpful with the process.
Mikhail K.
CTC Mortgage were very good with preparing our mortgage. They establish good communication throughout the process, have a very easy to use portal for uploading needed documents, and are very helpful with explaining things for first time buyers like myself.
Alyssa P.
CTC mortgage made my refinance process so easy! The team was very quick to respond to emails and return phone calls, as well as collecting the required documents needed to move forward. I was cleared to closed a lot sooner that I anticipated and I will definitely recommend them to anyone needing to buy a new home or refinance! This company shows all the others how business SHOULD be done!
Sandra M.
My husband and I are very satisfied with the assistance throughout our home refinancing process. David was very professional and addressed all our concerns immediately. David was phenomenal! David was the glue that kept it all together. David always made us feel as though we were his most important client. He always provided us straight forward information, with confidence and patience.
David M.
Loan officers Steve Svirsky and Bart Leereveld were great to work with. They handled my own complex situation without any drama and with no surprises at the end. Thank you Steve and Bart for the great rate! I would definitely recommend CTC.
Jessie G.
Best and easiest mortgage experience I had ever had. Great company
Hannah W.
My husband and I recently went through the home building process, which in itself can be stressful. When we went to secure our mortgage, CTC mortgage and Shannon Smith were a joy to work with and they were able to help us through the process with ease and found us a great rate. Highly recommend working with CTC and Shannon !
David D.
I reached out to Shannon Smith to inquire about refinancing my home to do a home addition. She was able to offer the lowest interest rate and APR than the other four financial institutions.
The amazing thing was Shannon and her team to include the Title company moved quickly and seamlessly without any hiccups. We closed in less than 30 days from date of application! The Title company even sent a notary to my home for the final document signing at a time convenient to our schedule. She too was on time, professional and was able to answer any questions we had.
I have built, bought, sold, refinanced more than 15 properties in my life time. CTC Mortgage Company made this process a pleasure rather than stressful and aggravating. You want to be wowed and astonished during a time that could be and usually is stressful, go know further than CTC Mortgage Company.
Sirlei W.
John Craig of CTC Mortgage explained all the step of the loan process and addressed my questions within the same day. I would recommend CTC Mortgage Company as a transparent and professional organization.
Janice O.
If you’re looking for a mortgage company we highly recommend John Doerr from CTC mortgage. We worked with him when we were building our home and contacted him just recently when the rates were great and we chose to refinance. John has a wealth of knowledge that he shares and keeps you apprised of each step so there no surprises. Both experiences were seamless!
Jason
This was the second time using the VA loan, and Jeffrey Totten got me a fantastic rate - much better than my first.
I recommend using this firm and loan officer 100%
Sue V.
CTC Mortgage was extremely helpful and made the experience stress free.
Melania and Niesha were wonderful, I would definitely recommend both of them. They were helpful and had excellent customer service. CTC Mortgage is lucky to have both those ladies working for them. Thank you for making the experience a pleasure.
Thanks,
Clint Belville
Sue Valentine
Kimberley M.
CTC Mortgage Team was fantastic to work with. Loan process was quick and not stressful at all. Kolter homes are built with quality and the prices are reasonable.
Caetano L.
Applying for a mortgage at CTC Mortgage was easy and straightforward, the rates were competitive and, in the end, we got the loan we needed, effortlessly and without hassles. The staff were extremely helpful in getting our goal achieved.
Nathan P.
It was amazing, Eric and his team were so accommodating and pleasant to work with. I will definitely recommend CTC mortgage in the future.
Jonathan C.
CTC made a potentially complicated experience easy to understand and set clear benchmarks for us to follow at every stop of the process. I would recommend their services.
Joyce K.
Very smooth process
Questions were promptly addressed
Courteous explanations provided
John Craig and Niesha Thomas were very professional
Fernando N.
Special five stars for Tammy Blakey, a person who is very interested in helping the customer, who makes it happen in the best way possible, in order to always contribute to customer satisfaction. Thanks for everything Tammy, you are fantastic !!
O A.
CTC provided me with a competitive rate in the end after shopping around for my mortgage. They offer a distinct advantage over others when dealing with related parties (i.e., the builder and the title co). Before you make the final decision, have CTC provide a counter-offer. It may be worth your while.
Carrie-Lee C.
The entire process of purchasing our new home was great. It was a pleasure working with Tammy, Niesha, Melania and Sue over at CTC Mortgage Company. If you are in the process of purchasing a home, you should call CTC Mortgage first!
Zacky D.
I’ve been around could not find someone like Jason and his staff to help fulfill our dream house with CTC everything is a OK
I thank you all very much for all of the efforts made by you guys .👍🏽👍🏽👍🏽👍🏽👍🏽
Alexander S.
Both Kolter and CTC are doing a great job in building great houses and getting people in with great mortgages, one just needs to collaborate and comply with requirements and they will do the rest, happy process from the first walkthrough until closing of the mortgage
Louis F.
My agent John Doerr was very helpful and had great customer service skills. John made me very comfortable in helping me to decide on refinancing. John showed me why it would be a great decision to look at what I be saving and now would be a great time to take advantage of the low interest rates. I would recommend and will recommend CTC to everyone I can. Again,John Doerr is an asset to your company. Thank you,
Lou.
Andrew H.
Bart & Steve made this complex process extremely easy. They and all the team in the office always gave us clear and timely advice and guidance. Thank you all.
Kayla H.
Anthony is so AWESOME! He is very thorough and patient. He is a great communicator and responds quickly to questions. Anthony is an all around great guy.
Ron P.
We had an exceptionally good experience with CTC Mortgage and John Craig. We were not able to sell our old home prior to closing on the Cresswind home but wanted to roll over much of the proceeds from it into the new mortgage. John showed us how we could do that after closing without refinancing so that we could adjust/lower our monthly payment after the fact. We really appreciated that info and it worked out great.
Caryl S.
Bart and Steve provided a painless mortgage experience. They were both very clear about the paperwork that was needed and provided guidance the whole way through the process. They are very trustworthy.
Edward W.
Mortgage process went very smoothly. First time for a mortgage I did not have to scramble, just prior to signing, to provide documents they should have asked me for at the beginning of the process. Very professional.
Thomas M.
CTC was very professional and responsive. A very pleasant experience.
Paul D.
Processor Niesha Thomas in the W Palm Beach main office was a joy to work with. Despite working thru lunch and into the evening on many occasions, you can tell she enjoys her career. Very helpful and responsive working closely with underwriters to get us to close on time.
Alexander B.
We recently purchased a new house at Verano in Port Saint Lucie Florida. Tammy Blakey was our Mortgage Consultant with CTC Mortgage Company. We submitted all of the required documents asap and requested to move our closing date up. Tammy was very attentive and responsive throughout the entire process. She walked us through every step keeping us well informed of the status of each phase of the process. Tammy was able to move up our closing date by almost 5 weeks. We really appreciated her effort to accommodate us. She was very professional and extremely pleasant to deal with. Given the choice - I would highly recommend CTC Mortgage - Ask for Tammy !
Edward E.
My wife and I had a "five star" experience with CTC Mortgage and this was due to the professionalism and guidance of Tammy Blakey. Buying a home in the retirement stage of our lives naturally was an important decision and required us to fully understand the financial aspect of our transaction. Tammy not only fully explained what we needed to know but did so in a very patient manner and in a way that made us feel like she truly cared about providing the best possible service. Beyond her "business" skills we found Tammy to be a very genuine person, easy to talk to and someone we absolutely recommend to prospective buyers. Thank you Tammy- you are the best!!!! Cindy and Edward Epstein
Sherry B.
Tammy Blakey did a great job! She was professional, very responsive, and was able to get our closing moved up. We were extemely pleased working with her and CTC Mortgage.
Robert E.
I really want to thank Shannon Smith from CTC Mortgage for making our experience great. I am a little bit technologically challenged and we live in a different state. Shannon walked us through every step and answered all of our questions quickly and correctly. Shannon was incredibly professional but was also very friendly. She was available for questions and concerns after hours and on weekends. The rest of the staff that we dealt with at CTC Mortgage was very professional and very helpful. If in the future we need to refinance or need any other mortgage services, we would definitely use CTC Mortgage in the future.
Tracy E.
Shannon was amazing throughout this whole process. She is truly top notch!!
RJ W.
Jason was fantastic, from start to finish! He made the process easy. CTC offered us the best rates we could find anywhere. Would definitely recommend them, and Jason in particular.
Awilda J.
Shannon was awesome through the entire process! She answered all my questions and was prompt with responses. Even helped me manage my stress! I even recommended her to my family.
Mr V.
I recently had the pleasure to work with CTC Mortgage for the purchase of my home. Anthony Irizarry as my Mortgage Broker was phenomenal. My experience was PAINLESS and STRESS FREE unlike others who've used a different Mortgage Company. Anthony Irizarry kept me informed throughout the process which is another example of what made my experience extremely great. I will definitely recommend Anthony Irizarry to anyone for his exceptional work ethic.
Mariana F.
Hard to find the words to use to express my gratitude for ALL CTC Mortgage did for me, in short time to solve, approve and cover the needs of my loan, efficient, elegant and unexpectedly friendly with great understanding of my situation. Thanks God such people and institutions still exist. Thank you Jason Martin, thank you Kaitlyn Langley and thanks to other people involved that I do not know.