Conventional Mortgage Loans

The right home financing can turn a nice house into your perfect home

Make your next big move with Carter Bank's borrower-friendly mortgage solutions

Plenty of options
Select from various fixed-rate and adjustable-rate mortgages.
Choose a payment plan
Flexible loan terms allow you to build equity with a payment that fits your budget.
Low closing costs
The less money you pay upfront, the more you have for new furniture and remodeling projects.
Refinancing options available
You may be able to save money by switching to a new Carter Bank home loan.
A place where everyone is treated like a friend and neighbor

House-hunting involves a lot of work - it can be a challenge to find a place in the right neighborhood with enough space to keep everyone comfortable. But when you're ready to focus on financing, Carter Bank's mortgage lenders are happy to help with the heavy lifting. They can explain all of our Conventional Mortgage offerings, clearly answer your questions, and guide you all the way through the application process.

Get Our Mortgage2Go App

Simplify the mortgage process with our helpful app.

  • Real-time loan status updates
  • Automated reminders when items are due
  • Scan and securely send documents with your phone
  • And much more!
Get our Mortgage2Go App on Google Play Download our Mortgage2Go App on the App Store


For contact information, including phone numbers, email addresses, and online inquiries, please visit our "Contact Us" page. You can also call us at (833.275.2228), or visit us at one of our locations. To find a location click here.

Our routing number is 051403957.  The routing number is also called an ABA number or routing transit number. You can find it in the lower left-hand corner of your checks. Financial institutions use routing numbers to send and receive money from other financial institutions. Routing numbers are essential in many transactions that Carter Bank provides such as wire transfers, check ordering and more. You can also locate our routing numbers in the footer and search functions of our website.

Each depositor is insured through the FDIC (Federal Deposit Insurance Corporation) coverage up to $250,000.

Additional services are offered to extend the coverage of deposits beyond $250,000 based on account classification and ownership type.

You may order your checks online herevisit a local branch or contact us. Products that offer free checks must be ordered at a local branch or by contacting us in order for the checks to incur no charge to the customer. Online ordering will charge the customer for the checks.  

All loans are subject to credit approval.

Mortgage2Go is subject to additional terms and conditions.

Carter Bank is a full-service financial institution with locations throughout Virginia and North Carolina.