I have been a Mortgage Consultant for over five years, and one of the surprising things I've discovered is that traditional mortgage companies and loan officers don't always have their clients best interest in mind when providing advice and service.  As a result, I've seen many people receive less than desirable results when buying or refinancing real estate.  I don't want that for you.

Unlike traditional loan officers who spend the majority of their time prospecting for new clients, I work primarily by referral, which allows me to dedicate most of my time to serving your needs, both before, during, and after your transaction closes.  I am 100% focused on your needs, keeping your best interests foremost in my mind.  The goal is to help you make the most informed decision possible about your mortgage selection, integrating the mortgage into your long term and short term financial goals, while maximizing liquidity, cash flow, and tax benefits.

Because this mindset is the cornerstone of my growing mortgage practice, my previous clients are thrilled with my service and eagerly refer their family, friends, and co-workers to me anytime they need mortgage advice or service.  It's a great way to do business...and you'll appreciate the difference!  

In an age of specialists, I am what you'd call a generalist; as a well rounded Mortgage Consultant, I'm prepared to help virtually anyone in need of mortgage advice and service.  My past clients run the gamut from self-employed contractors with sporadic income and credit issues, to recent college graduates buying a first home, to established clients purchasing second homes and investment property.  Utilizing my HomeLoanFinder software, I am quickly able to scan literally hundreds of different loan programs from around the country to identify the best loan program for your particular needs, whether that's a low or no down payment loan, an alternative documentation loan, or your standard A+ customer low interest rate loan.  About the only thing I really don't do is contruction financing, but if you need a referral, I know several good mortgage consultants I'd be happy to refer you to!

"I just wanted to thank you for always being so helpful with my clients.  Sometimes I wonder if I am a magnet for the "tough" customers.  Anyways, I always appreciate your efforts and feel fortunate to do business with you."  Sally G., Real Estate Agent

"Don, thank you for all of your help and guidance.  We are so very excited about our new home.  You made the whole process less stressful than what we expected!  We will send clients your way."  David & Tara P., Haverhill Homeowners

"Don, I want to thank you for all the time and effort you put into helping me buy my condo.  I truly appreciate it!"  Nancy D., Salem Condo Owner

"I had a great experience with Don...I had a really quick close and everything was done quickly and efficiently.  Don was always accessible to answer questions...he was pleasant, knowledgable, friendly, efficient, and professional."  Christine Y., Boxford Homeowner

"Mr. Carter was wonderful.  We had so many questions and concerns being first time home buyers.  Don explained everything in ways for us to understand.  We will definitely refer Don to others."  Michelle and Danny C., Haverhill Homeowners

"My husband and I recently had the privilege and pleasure of sitting at the Rockingham County Courthouse in New Hampshire to sign papers for the closing of our new home in E. Kingston.  When we signed our closing papers, we were at the end of a long road of both disappointment and discover and the beginning of a new road of home ownership.  Prior to our interest in the home in East Kingston we were trying to purchase a different property that had some very difficult roadblocks to overcome.  This is where Don Carter stepped in.  When we called upon Don regarding the first property we were trying to purchase, he was very thorough in both seeking to understand our individual needs and the position we were in.  Don also sought to understand the exact situation regarding the property.  Additionally, Don went out to look at the property to further sharpen his understanding.  Don And I spoke on a daily basis and he made numerous calls and inquiries to find a very specific type of loan program that would fit this difficult situation.  Don was successful in his search and in communicating with us regarding financing.  It was through Don's careful analysis and handling of us as his clients that we realized that this property was not going to work for us.  It was difficult to come to grips with, yet Don's encouragement helped us to keep going.  Soon after this, a property in E. Kingston became available that was right for us; there were no twists and turns this time.  Don helped us to understand the different options that were available and through this we were able to make sound decisions regarding financing.  Throughout this process we appreciated Don's willingness to work with a difficult situation, his integrity, and his being forthright with us.  We highly recommend Don to anyone who needs a mortgage broker.  He clearly has demonstrated his willingness and ability to do an excellent job"  Dan & Marilyn C., East Kingston Homeowners