A mortgage alternative that stays close to home 

With a Portfolio Loan, you'll be working with Carter Bank neighbors instead of third-party lenders

Flexible underwriting
Portfolio Loans represent an alternative option for borrowers who might not qualify for traditional mortgages.
Real estate investors welcome
Mortgage solutions for investment properties and second homes.
Local decision-making
Get faster approval for your financing and enjoy a streamlined process.
Friendly assistance
The Carter Bank lending team can walk you through all the details and benefits of Portfolio Loans.

Trusted Local Advice

We strive to be a friendly, community bank where customers are treated like people instead of numbers. If that appeals to you, consider a Portfolio Loan as an alternative to traditional mortgages. You'll get the friendly, local expertise and guidance you expect from us along with competitive rates and flexible terms ideal for small business owners and those with non-traditional income streams. If you ever have any questions or problems, you'll know exactly who to call. No hassle and no run-arounds - just superior customer service.   

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.

Checking your way

Get checking account options, all with convenient digital tools.

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.