Your Home, Our Priority: Carolinas' Trusted Mortgage Solutions

Low WHOLESALE Interest Rates for FHA, VA, Conventional, Jumbo, USDA Mortgages, and          Bank Statement Home Loans

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Capital South Funding

Your path to the best mortgage starts here.

Low Interest Rates and Personalized Service

Secure home financing tailored to your financial needs with wholesale rates and personable staff.

Expertise and an Easy Streamlined Process

With experience and great industry relationships, you can trust the company and the process.

Local Knowledge and Community Love

 As Carolinians, we have been proudly serving NC and SC residents for almost 20 years!

Ade and Deb

Local Ownership

Owners Adrian and Deborah Walker have proudly served the Carolinas with a personal touch and a passion for helping people. As a small, family-owned mortgage company, we treat every client like a neighbor—not a number. Our dedicated team works with you one-on-one to secure the mortgage option that best meets your needs. We believe in transparency, real conversations, and offering some of the lowest, wholesale interest rates available. 

A rarity indeed.. an efficient business that works double time for their clients with lovely customer service. Adrian Walker and Deborah Walker are very easy to work with and deliver... read more

Alicia DeVries Avatar Alicia DeVries

Great rates, great customer service, and would refer to friends.

Sir Rx - Avatar Sir Rx -

This is the best mortgage company we have ever had! They provide very low rates. I shopped them around first and they beat all the competition. They are friendly and... read more

Susan Baker Avatar Susan Baker

I wish I could leave 10 stars. Deborah was amazing. She saved me so much money. Customer service and rates were top notch. They have been in the business a... read more

Carolyn Taylor Avatar Carolyn Taylor

Let us help you find the best mortgage.
Specializing in Jumbo Loans, Conventional, Bank Statement Loans, FHA, VA, USDA, and more!

Efficiency

We realize your time is valuable so we'll work hard behind the scenes, and won't bug you with numerous phone calls.

Clarity

We will educate you through each step of the loan process. You will get a human who cares about you and your financing goals.

Value

Being a small family-owned company with little overhead, we secure the best rate possible with the lowest fees available.

Happy Family

Turning Houses Into Homes with the Right Mortgage

Serving all of North and South Carolina, Capital South Funding is your low rate Carolina mortgage company. We are committed to providing competitive mortgage rates and a seamless loan experience. Whether you're a first-time homebuyer or a seasoned homeowner, our process is designed to be simple, transparent, and beneficial. For purchasing a new home or refinancing your current mortgage, consolidating debt, or moving to a 15 year term, our team is here to help with home financing.

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A Mortgage Company Near You

Did you search for: local mortgage company near me? We've got you covered, assisting all of North and South Carolina! Complete our online mortgage application!

Jumbo Home Loans

Jumbo Mortgages with Competitive Rates and Low Down-Payments

USDA Home Loans

100% Home Financing, USDA Mortgage, for NC and SC Homes (Maps Available)

Conforming and Conventional Loans

Most loans fall into this category. Let us show you why we rank at the top for low rates!

Easy To Use Mortgage Calculator

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*All examples are hypothetical for illustrative purposes only. For the most accurate and personalized results, we encourage you to seek advice from one of our qualified financial professionals.