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Proudly serving clients across Virginia, Florida and North Carolina.
During the mortgage process, your loan originator is your go-to person throughout the entire homebuying journey. Whether you’re buying, selling, refinancing, or building your dream home, your loan originator is there for you every step of the way. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who can give you quick and accurate financial advice. As an experienced loan originator, I have the knowledge and expertise you need to explore the many financing options available.
Before entering the mortgage field, I received my bachelor’s degree in business from Old Dominion University. I enjoy creating relationships with both my clients and business partners, as well as helping homebuyers achieve their goal of homeownership.
When I am not helping buyers purchase their dream homes, I enjoy golfing and spending time with my wife, Natalie.
I hope you will browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started.
After you have applied, I will call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.
Rating: 5.0 out of 5.0 from Encompass Excellent lender to work with! Carter delivered his promise to my client and I on time and worked through multiple hurdles but still made it work! Amazing experience and I would always recommend my future clients to work with Carter. Thank you Carter for all that you do! YuliyaHAMPTON, VA Jun 02
Excellent lender to work with! Carter delivered his promise to my client and I on time and worked through multiple hurdles but still made it work! Amazing experience and I would always recommend my future clients to work with Carter. Thank you Carter for all that you do!
Rating: 5.0 out of 5.0 from Encompass Carter and Jennifer were very patient with me. The team went above and beyond through the entire process. I couldn't have asked for a better experience as a first time home buyer. I'm am grateful for their hard work and will be spreading the word to any other potential homebuyers i Know. Bradley JamesEDENTON, NC Jun 02
Carter and Jennifer were very patient with me. The team went above and beyond through the entire process. I couldn't have asked for a better experience as a first time home buyer. I'm am grateful for their hard work and will be spreading the word to any other potential homebuyers i Know.
Rating: 5.0 out of 5.0 from Encompass During the process Carter provided de support and detailed explanations to every process and broke things down in a language we could understand. He went above and beyond to explain every detail of every piece of paper that needed to be signed ensuring no details were left out! Made the loan process stress free and ... GeoffreyCHESAPEAKE, VA Jun 01
During the process Carter provided de support and detailed explanations to every process and broke things down in a language we could understand. He went above and beyond to explain every detail of every piece of paper that needed to be signed ensuring no details were left out! Made the loan process stress free and ...
Rating: 5.0 out of 5.0 from Encompass Carter is great at communicating, problem solving, and collaboration- everything you want in a lender! He is also very personable and a dream to work with. KendallCHESAPEAKE, VA Jun 01
Carter is great at communicating, problem solving, and collaboration- everything you want in a lender! He is also very personable and a dream to work with.
Rating: 5.0 out of 5.0 from Encompass Great communication from Carter always kept me in the loop about everything and would check in routinely. Always had my best intrest in mind and gave great advice and through explanation of the process and all optionsz Taylor AdairVIRGINIA BEACH, VA May 31
Great communication from Carter always kept me in the loop about everything and would check in routinely. Always had my best intrest in mind and gave great advice and through explanation of the process and all optionsz
Rating: 5.0 out of 5.0 from Encompass Excellent communication and on top of all timelines to assist in a smooth closing. ChrisVIRGINIA BEACH, VA May 30
Excellent communication and on top of all timelines to assist in a smooth closing.
Rating: 4.8 out of 5.0 from Encompass Very kind, responaiv, and knowledgeable MuzammilALEXANDRIA, VA May 28
Very kind, responaiv, and knowledgeable
Rating: 5.0 out of 5.0 from Encompass Worked very well with my clients showing them many options and explaining each. He was great to work with . KandiWINCHESTER, VA May 27
Worked very well with my clients showing them many options and explaining each. He was great to work with .
Rating: 5.0 out of 5.0 from google Carter really cares about his clients. He's knowledgeable, trustworthy and works with a great team. With so many lending programs available, I'm sure he can meet your needs! Tamra Lenz May 15
Carter really cares about his clients. He's knowledgeable, trustworthy and works with a great team. With so many lending programs available, I'm sure he can meet your needs!
Rating: 5.0 out of 5.0 from google I sent Carter one of my family members for a refi, and he handled them with professionalism and knowledge few loan officers possess. Everything went smoothly and would recommend him in the future. Eric Kline May 15
I sent Carter one of my family members for a refi, and he handled them with professionalism and knowledge few loan officers possess. Everything went smoothly and would recommend him in the future.
Rating: 5.0 out of 5.0 from Encompass Communication is number one! Christine KostanskiLancaster, VA May 11
Communication is number one!
Rating: 5.0 out of 5.0 from google Carter is very knowledgeable and his company has mortgage products others don't. Susan Martin May 08
Carter is very knowledgeable and his company has mortgage products others don't.
Rating: 5.0 out of 5.0 from google Carter Morgan is an exceptional loan officer. His timely communication and professional recommendations were invaluable. I highly recommend working with him. Christine Holt May 02
Carter Morgan is an exceptional loan officer. His timely communication and professional recommendations were invaluable. I highly recommend working with him.
Rating: 5.0 out of 5.0 from google Carter is a great guy and can set you up with the best program to buy. Eric Campbell May 01
Carter is a great guy and can set you up with the best program to buy.
Rating: 5.0 out of 5.0 from google I’ve referred Carter to both family and friends. He is very trustworthy and has a ton of products that will work for anyone’s situation. Two Maids of Virginia Beach May 01
I’ve referred Carter to both family and friends. He is very trustworthy and has a ton of products that will work for anyone’s situation.
Rating: 5.0 out of 5.0 from google Outstanding service! I highly recommend Carter and OVM Team! Chad Havunen May 01
Outstanding service! I highly recommend Carter and OVM Team!
Rating: 5.0 out of 5.0 from google Carter is a highly trustworthy and professional realtor. If you have any questions, feel free to give him a call. Macro IT LLC MIT May 01
Carter is a highly trustworthy and professional realtor. If you have any questions, feel free to give him a call.
Rating: 5.0 out of 5.0 from google Carter was very pleasant to work with. Professional from beginning to end. Highly recommend Carter with OVM if you want someone who will go above and beyond for you. Ashley Bishop May 01
Carter was very pleasant to work with. Professional from beginning to end. Highly recommend Carter with OVM if you want someone who will go above and beyond for you.
Rating: 5.0 out of 5.0 from google I was buying a home in Va. Beach and needed ideas how to move forward without having to offer a contingent contract. Carter was very helpful shepherding me through! Al Midgett May 01
I was buying a home in Va. Beach and needed ideas how to move forward without having to offer a contingent contract. Carter was very helpful shepherding me through!
Rating: 5.0 out of 5.0 from Encompass Communicates and is responsive! DIANACHESAPEAKE, VA Apr 10
Communicates and is responsive!
Rating: 5.0 out of 5.0 from Encompass It was a very pleasant experience from the ease of communication to the explanation of requirements. I will definitely be talking to Carter and his team when I am ready for refi. KennyEDEN, NC Mar 31
It was a very pleasant experience from the ease of communication to the explanation of requirements. I will definitely be talking to Carter and his team when I am ready for refi.
Rating: 5.0 out of 5.0 from Encompass Carter and the team were very helpful and worked so hard for my family. Highly recommend to anyone! Ashley JPORT CHARLOTTE, FL Mar 27
Carter and the team were very helpful and worked so hard for my family. Highly recommend to anyone!
Rating: 4.5 out of 5.0 from Encompass Great experience with awesome professionals. They worked patiently and quickly with us for weeks while we were purchasing a home from overseas. Thank you Carter and the OVM team. Marcus AGLOUCESTER, VA Mar 26
Great experience with awesome professionals. They worked patiently and quickly with us for weeks while we were purchasing a home from overseas. Thank you Carter and the OVM team.
Rating: 5.0 out of 5.0 from Encompass never felt that I was bothering anyone anytime. I reached out for my many questions. Ashley RSUFFOLK, VA Mar 24
never felt that I was bothering anyone anytime. I reached out for my many questions.