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Whether you’re getting ready to purchase a home or simply weighing your mortgage or refinancing options, our experienced local lending team is ready to support you every step of the way—from your first questions to closing day.
Katie Teed
Mortgage Loan Officer
NMLS#: 838384
I have been a part of the Fidelity Bank and Right By You Mortgage teams for six years and have served the Triangle area of NC for over 10 years. I help customers in the towns of Apex, Cary, Garner, Holly Springs, Morrisville, Raleigh, and surrounding areas.
Apply NowHome Loan and Refinancing Services in Cary
Cary homebuyers compete in a fast-moving market, so working with an experienced and responsive local mortgage company can make a difference. Katie Teed helps clients compare home financing options across price points by reviewing goals, budget, and current mortgage rates. As a seasoned mortgage loan officer and licensed mortgage loan originator, she collaborates closely with your real estate agent and offers the local insight and clear communication buyers expect from the best mortgage lenders in the Triangle.
Buy a Home
Start your journey to a new home with us. We simplify the buying process to get you the keys to your forever home faster.
Refinance a Home
Unlock lower payments or even tap into your home’s equity for greater financial flexibility. We make refinancing clear and easy.
Build a Home
From foundation to finish, we support your home-building vision with flexible loans and expert advice.
About Right By You Mortgage
Drawing on the strength and stability of our partnership with Fidelity Bank, a trusted name known for delivering over a century of solid banking services, we’re ready to guide you through every step of the mortgage process.
Hello, Cary
Cary continues to attract homebuyers with its unique combination of lifestyle, location, and community appeal. The area offers top public schools, miles of greenways, and quick access to RTP, Raleigh, and Durham, making it one of North Carolina’s most competitive destinations. For lifestyle fit, families often explore Amberly for its community amenities, Carpenter Village for classic streetscapes, and Downtown Cary for a walkable, restaurant-forward vibe. With low inventory and frequent multiple-offer scenarios, serious buyers benefit from arriving with strong pre-approvals and a nimble plan to navigate the local mortgage market.
Right By You Mortgage combines modern technology with local decision-making, quick answers, and secure digital tools to help buyers stay competitive. Working with a local loan officer who understands Cary, Apex, Holly Springs, Morrisville, and the rest of the Triangle can provide an edge when it comes to timing, appraisal nuances, and neighborhood comps across every type of residential mortgage.
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Understanding Homebuyer Programs in Cary
Families in Cary have access to programs for first-time buyers and growing households alike. In town, many price points align with jumbo thresholds, so upscale neighborhoods frequently use that path. Surrounding areas may suit government-backed options tied to income and property location. Katie helps clients choose the right fit based on credit profile, down payment, future plans, and target neighborhood – always balancing flexibility and long-term costs.
Eligibility for Mortgage Programs in Cary
Eligibility depends on the program. FHA loan and VA loan options have specific service, credit, and down-payment guidelines, while USDA loans also include location requirements (near areas like New Hill or parts of Holly Springs) and income limits. Be sure to ask Katie about current loan pathways and how each option aligns with your price point and timeline.
Improving Credit to Secure Pre-Approval
Credit affects pricing and approvals. Triangle buyers often boost scores by lowering revolving balances, avoiding new inquiries, and correcting report errors before applying. Katie reviews reports early, maps a plan, and times pre-approval for maximum impact in Cary’s fast paced market. That way your offer reflects the right structure for home financing and keeps you competitive.
Ready to Take the Next Step?
