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Whether you’re ready to get started on the journey to homeownership or you simply have a general mortgage or refinance question, our local mortgage loan experts will be right by your side every step of the way.

Katie Teed

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, North Raleigh, and surrounding areas.

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Home Loan and Refinancing Services in North Raleigh

Buying or refinancing a home in North Raleigh is an exciting yet significant investment. With the area’s competitive market and high demand, having the right loan options is essential. Our home loan and refinancing solutions are designed to help you navigate North Raleigh’s housing market – no matter if you’re a first-time buyer, upgrading, or refinancing.

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Fixed-Rate Mortgages

Ideal for those seeking stable payments throughout the term of the loan, providing predictability in a fluctuating market.

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Adjustable-Rate Mortgages

With lower initial payments, ARMs are perfect for buyers who plan to move or refinance before the mortgage rate adjusts.

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Jumbo Mortgages

Designed for buyers looking at higher-priced homes, a jumbo mortgage allows for loan amounts beyond conventional limits.

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FHA Loans

An FHA loan offers a lower down payment and flexible credit standards, making it a good option for first-time homebuyers.

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VA Loans

Exclusively for veterans and military families, VA loans offer no down payment and competitive rates when buying a home.

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USDA Loans

Great for rural areas. Buying with a USDA loan requires no down payment and offers low interest rates.

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Manufactured Home Loans

 An affordable solution for buyers seeking alternative housing options with flexible financing and an easy online application.

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First Time Homebuyer Loans

Low down payment required, making homeownership accessible for first time homebuyers without significant savings.

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Investment Property Loans

Designed for those looking to invest in real estate and unlock the potential of a rental property to generate income.

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Second Home Loans

We’re here to turn your dream of buying a second home into reality, offering great loan options tailored to suit your unique needs.

Hello, North Raleigh

Welcome to North Raleigh, where a thriving housing market, excellent schools, and proximity to Research Triangle Park (RTP) combine to create an ideal place to call home. With deep roots in our community and a focus on personalized service, we’re here to help you navigate the unique opportunities this area offers.

North Raleigh boasts a dynamic housing market fueled by high demand for suburban living and family-friendly neighborhoods. Proximity to RTP, one of the nation’s leading hubs for innovation and technology, drives growth, while top-rated school districts add to the area’s appeal. For homebuyers, this means a range of housing options to fit every lifestyle and budget.

If you’re buying a home or refinancing in the area, Katie Teed – one of the best mortgage lenders around – is here to guide you through the process with insights specific to this competitive market.

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Understanding Homebuyer Programs in North Raleigh

Buying a home in North Raleigh comes with valuable opportunities, especially for those looking for a mortgage. With various mortgage programs available, buyers can find options that make homeownership more accessible. We will work with you on the most important part, securing the ideal mortgage loan for you.

Eligibility for Mortgage Programs

There are residential mortgage programs that make homeownership more achievable. These may include lower down payments and more flexibility to help lower the upfront costs of buying a home.

Certain mortgage solutions – like FHA loans, VA loans, and USDA loans – offer low interest rates and easier qualification requirements, making homeownership more achievable to those who meet the criteria. FHA loans are ideal for first-time homebuyers or those with less-than-perfect credit, while VA loans are specifically for veterans, active military members, and their families. USDA loans are available for homes in rural or suburban areas, offering no down payment and competitive interest rates.

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Improving Credit for Better Mortgage Terms

A strong credit profile makes it easier to qualify for better financing options. Lenders typically look at your credit score, and the better your score, the more favorable your loan estimate and terms may be. Consider paying down outstanding debt, including credit cards, making on-time payments, and avoiding new credit applications before applying for a mortgage. We understand that this is a process, and working with an experienced mortgage loan officer, like Katie Teed at Right By You Mortgage in North Raleigh, can make a substantial difference when it comes to improving your financial standing. She is an experienced local expert dedicated to tailoring mortgage loan solutions to fit your needs. Schedule an appointment to meet Katie Teed at the Fidelity Bank North Raleigh branch on Creedmoor Road to explore personalized loan solutions, receive expert advice, and take the next step toward buying or refinancing your home.

What My Customers Are Saying

Hear firsthand how I’ve helped others like you confidently navigate the road to homeownership.

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