What is the Carter Bank routing number, and where can I find it?

The Carter Bank routing number is 051403957. You can find it on your checks, in your online banking portal, or by visiting our official website.

How are deposit accounts insured at Carter Bank?

Your deposits at Carter Bank FDIC-insured up to $250,000. We also provide extended coverage options through IntraFi®, ensuring deposits – large and small –are protected. Accurately calculate coverage with account details by using the Electronic Deposit Insurance Estimator (EDIE).

What's the easiest way to order new checks from Carter Bank?

You can order checks by calling or visiting a Carter Bank branch. You can also order checks online via our secure banking portal depending on availability. Some accounts may qualify for free checks—contact us for details.

Does Carter Bank offer notary services?

Yes. Notary services are available at select Carter Bank branches by appointment. Please call ahead to confirm availability and schedule your visit.

Conventional Mortgage | VA & NC Mortgage Rates

The right home financing with fixed and adjustable-rate mortgages

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.

Understand the difference between
pre-qualification versus pre-approval.

Every homebuying journey is unique, which is why Carter Bank offers mortgage pre-qualification as the first step. It gives you the guidance you need to start shopping for a home while avoiding the added time and documentation of a traditional pre-approval.

	Pre-Qualification	Pre-Approval
What is it?	A mortgage pre-qualification is a quick first step in the homebuying process that provides an estimate of how much home you may be able to afford. It helps you begin shopping for a home with greater confidence.	A mortgage pre-approval is a more detailed review of your finances that gives you a stronger indication of how much you may qualify to borrow for a home loan.
What information is required?	You'll provide basic financial information, such as your income, debts, and assets. Because it's based on self-reported information, documentation typically isn't required.	You'll submit documentation including income, assets, employment, and other financial records so your lender can verify your information before issuing a pre-approval.
How will it impact my credit?	A mortgage pre-qualification typically includes a soft credit inquiry, which generally doesn't affect your credit score.	A mortgage pre-approval usually requires a hard credit inquiry, which may have a small impact on your credit score.
How long does it take?	Most homebuyers can complete a mortgage pre-qualification online in just a few minutes.	A mortgage pre-approval generally takes anywhere from a few hours to a few days, depending on how quickly documentation can be reviewed.
What are the benefits?	A great option for first-time homebuyers or anyone beginning the homebuying process who wants to understand their budget before actively searching for a home.	A smart next step when you're ready to buy a home. A mortgage pre-approval shows sellers you're a serious buyer and helps strengthen your offer in a competitive market.
What does it mean from your lender?	A mortgage pre-qualification provides an estimate of your borrowing power but isn't a commitment to lend.	A mortgage pre-approval is a conditional commitment based on verified financial information and is subject to final underwriting and property approval.

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FAQs

What interest rate options are available?

Carter Bank offers both fixed-rate and adjustable-rate conventional mortgages, giving you flexibility in monthly payments and long-term budgeting. Schedule an appointment with one of our Mortgage Loan Originators to learn more about rates.

Who can I talk to about a Conventional Mortgage?

You can speak directly with one of Carter Bank’s Mortgage Loan Originators, either by phone or by scheduling an appointment at a local Virginia or North Carolina branch. They’ll guide you through the application process and answer all your questions.

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