Connect with us:

Getting a mortgage
Should Be Simple

Fast approvals, more affordable options and one-on-one support make getting a mortgage simpler when you work with me.

  No obligation   Fast approvals   One-on-one support

Roger Rabbit-21862

Midium Car Advisor and President of the Carrot Mortgage Company | NMLS #123

Your Local Waynesville expert but also serving all of AK, AL, AR, AZ, CA, CO, CT, DC, DE, IL, MT, PR.

What clients say about working with us

4.85★★★★★115 verified reviews
★★★★★

Roger is an awesome mortgage rabbit, long ears and low rates!

Austin Sierra
★★★★★

The meeting was incredibly valuable and inspiring. The session provided a clear framework for reflecting on accomplishments, identifying areas for growth, and setting meaningful goals for the future. I appreciated how practical and interactive it was, allowing us to share real experiences and learn from one another. The facilitators created an environment that encouraged honesty, reflection, and motivation. I left feeling energized, more confident in my abilities, and equipped with actionable strategies to continue growing both professionally and personally. I would highly recommend this meeting to anyone looking to celebrate successes, gain insights, and plan for a stronger, more intentional year ahead. Thank you! 😊😊😊

Lea Amigo
★★★★★

Great info - great presentation - appreciate your dedication to providing strategies to the street. LOVE my story - will print and reread. Thank you!!!!!!!

Sandy Hill
★★★★★

Great experience with the AI: to help with strategies. Lot of information in a short time but well worth the time. Thank you — Mary Jane Douma

Mary Jane Douma
★★★★★

GREAT 2026 Success Goal Planning! Loved it, will definitely do this again next year! Love your work Hammer and Scott Groves! Helped get my mind going in the right direction, and Hammer and Scott are so committed to our learning and success, thankyou!

Becky Thompson
★★★★★

The event that Hammer just hosted was absolutely amazing! I can't wait to watch the recording over and over, as there was so much great info I need time to absorb and execute!!!! Thank you soooo much!!!!

Kelley Hamilton
★★★★★

Very happy with Hammer Solutions! I had them revamp some things on my website, and got leads immediately afterward! Went from having 0 website leads, to 4 in one day.

Ian Anderson
★★★★★

Roger is awesome! He is the best at what he does.

DC
★★★★★

I just finished a 3-hour business strategy workshop with Hammer Helmer, and it was exactly what I needed to start 2025 with clarity and focus! Hammer’s practical insights helped me identify key areas to improve, set actionable goals, and overcome potential roadblocks. The session was packed with value—no fluff, just real strategies I can use right away. Hammer’s expertise and down to earth style made the whole experience motivating and productive... the time flew by because everyone was engaged. Highly recommend this workshop for anyone looking to level up their business in 2025!

Yasmin Martin, Mortgage Broker
★★★★★

I really enjoyed the vision planning workshop. It helped me get clear on what to focus on. I really enjoyed the brainstorming session and getting to heart of why the goals I set matter. I really appreciate the group setting and direction setting. I HIGHLY recommend you attend if you are looking for direction on your business. Thanks Hammer!

James Carpeneti
★★★★★

Hammer's planning workshop is a great way to jump start the New Year!!

Cathy Barry
★★★★★

Hammer nailed it! He didn't just talk about social media; he provided a practical, step-by-step guide to leveraging it effectively for lead generation and brand building. He shared actionable strategies for creating engaging content, targeting the right audience, and using social media to build meaningful relationships with potential clients. This was a huge area where I felt I was lagging, and now I feel empowered to take control of my online presence. Thanks man!

Jerry Siegel

Want to know what mortgage rates will be next week?

Stay ahead of mortgage rate changes with the latest insights so you can feel confident you’re getting a good rate at the right time.

LEARN MORE

I'm Roger Rabbit-21862,

and I'm Here To Help

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What clients say about working with us

4.85★★★★★115 verified reviews
★★★★★

Roger is an awesome mortgage rabbit, long ears and low rates!

Austin Sierra
★★★★★

The meeting was incredibly valuable and inspiring. The session provided a clear framework for reflecting on accomplishments, identifying areas for growth, and setting meaningful goals for the future. I appreciated how practical and interactive it was, allowing us to share real experiences and learn from one another. The facilitators created an environment that encouraged honesty, reflection, and motivation. I left feeling energized, more confident in my abilities, and equipped with actionable strategies to continue growing both professionally and personally. I would highly recommend this meeting to anyone looking to celebrate successes, gain insights, and plan for a stronger, more intentional year ahead. Thank you! 😊😊😊

Lea Amigo
★★★★★

Great info - great presentation - appreciate your dedication to providing strategies to the street. LOVE my story - will print and reread. Thank you!!!!!!!

Sandy Hill
★★★★★

Great experience with the AI: to help with strategies. Lot of information in a short time but well worth the time. Thank you — Mary Jane Douma

Mary Jane Douma
★★★★★

GREAT 2026 Success Goal Planning! Loved it, will definitely do this again next year! Love your work Hammer and Scott Groves! Helped get my mind going in the right direction, and Hammer and Scott are so committed to our learning and success, thankyou!

Becky Thompson
★★★★★

The event that Hammer just hosted was absolutely amazing! I can't wait to watch the recording over and over, as there was so much great info I need time to absorb and execute!!!! Thank you soooo much!!!!

Kelley Hamilton
★★★★★

Very happy with Hammer Solutions! I had them revamp some things on my website, and got leads immediately afterward! Went from having 0 website leads, to 4 in one day.

Ian Anderson
★★★★★

Roger is awesome! He is the best at what he does.

DC
★★★★★

I just finished a 3-hour business strategy workshop with Hammer Helmer, and it was exactly what I needed to start 2025 with clarity and focus! Hammer’s practical insights helped me identify key areas to improve, set actionable goals, and overcome potential roadblocks. The session was packed with value—no fluff, just real strategies I can use right away. Hammer’s expertise and down to earth style made the whole experience motivating and productive... the time flew by because everyone was engaged. Highly recommend this workshop for anyone looking to level up their business in 2025!

Yasmin Martin, Mortgage Broker
★★★★★

I really enjoyed the vision planning workshop. It helped me get clear on what to focus on. I really enjoyed the brainstorming session and getting to heart of why the goals I set matter. I really appreciate the group setting and direction setting. I HIGHLY recommend you attend if you are looking for direction on your business. Thanks Hammer!

James Carpeneti
★★★★★

Hammer's planning workshop is a great way to jump start the New Year!!

Cathy Barry
★★★★★

Hammer nailed it! He didn't just talk about social media; he provided a practical, step-by-step guide to leveraging it effectively for lead generation and brand building. He shared actionable strategies for creating engaging content, targeting the right audience, and using social media to build meaningful relationships with potential clients. This was a huge area where I felt I was lagging, and now I feel empowered to take control of my online presence. Thanks man!

Jerry Siegel

Buying A
Home?

Maybe you're a first-time buyer, or you could be looking for your forever home. Maybe you're buying a second home or an investment property. No matter what the situation, I'm here to simplify the process to make it less stressful and a whole lot easier.

Discover how working with me can help you during all the stages of buying a home, from pre-approval through closing.

START MY HOME JOURNEY

Refinancing Your
Home?

Whether you want to lower your payment, get a better rate, consolidate debt and free up cashflow, or access cash for anything else, I’m here to help. No matter your reason for refinancing, finding the right mortgage is the key to saving you time and money while making the process simple and easy.

Discover how working with me can help you make the most of your refinance.

HELP ME REFINANCE

What clients say about working with us

4.85★★★★★115 verified reviews
★★★★★

Roger is an awesome mortgage rabbit, long ears and low rates!

Austin Sierra
★★★★★

The meeting was incredibly valuable and inspiring. The session provided a clear framework for reflecting on accomplishments, identifying areas for growth, and setting meaningful goals for the future. I appreciated how practical and interactive it was, allowing us to share real experiences and learn from one another. The facilitators created an environment that encouraged honesty, reflection, and motivation. I left feeling energized, more confident in my abilities, and equipped with actionable strategies to continue growing both professionally and personally. I would highly recommend this meeting to anyone looking to celebrate successes, gain insights, and plan for a stronger, more intentional year ahead. Thank you! 😊😊😊

Lea Amigo
★★★★★

Great info - great presentation - appreciate your dedication to providing strategies to the street. LOVE my story - will print and reread. Thank you!!!!!!!

Sandy Hill
★★★★★

Great experience with the AI: to help with strategies. Lot of information in a short time but well worth the time. Thank you — Mary Jane Douma

Mary Jane Douma
★★★★★

GREAT 2026 Success Goal Planning! Loved it, will definitely do this again next year! Love your work Hammer and Scott Groves! Helped get my mind going in the right direction, and Hammer and Scott are so committed to our learning and success, thankyou!

Becky Thompson
★★★★★

The event that Hammer just hosted was absolutely amazing! I can't wait to watch the recording over and over, as there was so much great info I need time to absorb and execute!!!! Thank you soooo much!!!!

Kelley Hamilton
★★★★★

Very happy with Hammer Solutions! I had them revamp some things on my website, and got leads immediately afterward! Went from having 0 website leads, to 4 in one day.

Ian Anderson
★★★★★

Roger is awesome! He is the best at what he does.

DC
★★★★★

I just finished a 3-hour business strategy workshop with Hammer Helmer, and it was exactly what I needed to start 2025 with clarity and focus! Hammer’s practical insights helped me identify key areas to improve, set actionable goals, and overcome potential roadblocks. The session was packed with value—no fluff, just real strategies I can use right away. Hammer’s expertise and down to earth style made the whole experience motivating and productive... the time flew by because everyone was engaged. Highly recommend this workshop for anyone looking to level up their business in 2025!

Yasmin Martin, Mortgage Broker
★★★★★

I really enjoyed the vision planning workshop. It helped me get clear on what to focus on. I really enjoyed the brainstorming session and getting to heart of why the goals I set matter. I really appreciate the group setting and direction setting. I HIGHLY recommend you attend if you are looking for direction on your business. Thanks Hammer!

James Carpeneti
★★★★★

Hammer's planning workshop is a great way to jump start the New Year!!

Cathy Barry
★★★★★

Hammer nailed it! He didn't just talk about social media; he provided a practical, step-by-step guide to leveraging it effectively for lead generation and brand building. He shared actionable strategies for creating engaging content, targeting the right audience, and using social media to build meaningful relationships with potential clients. This was a huge area where I felt I was lagging, and now I feel empowered to take control of my online presence. Thanks man!

Jerry Siegel

Our Simple
Mortgage Process

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1

Discover Your Options

Did you know that whether you're buying a home or refinancing, that there may be multiple mortgage options available to you? Connect with me and let's discover what options are available to you.

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2

Hassle Free Application

Your mortgage approval starts here! Whether you would like to apply online or would prefer a more helpful human touch, I'll be here every step of the way to make the process smoother and easier.

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3

Processing and Underwriting

My team will handle the details—verifying documents, ordering an appraisal, and making sure everything is in place. The underwriter gives the final approval, and we get your loan clear to close.

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4

Time to Close!

Congratulations, it all comes down to this moment! Buying a home? I’ll be here to make sure everything falls into place. Refinancing? We’ll make sure the closing is easy and convenient for you.

What clients say about working with us

4.85★★★★★115 verified reviews
★★★★★

Roger is an awesome mortgage rabbit, long ears and low rates!

Austin Sierra
★★★★★

The meeting was incredibly valuable and inspiring. The session provided a clear framework for reflecting on accomplishments, identifying areas for growth, and setting meaningful goals for the future. I appreciated how practical and interactive it was, allowing us to share real experiences and learn from one another. The facilitators created an environment that encouraged honesty, reflection, and motivation. I left feeling energized, more confident in my abilities, and equipped with actionable strategies to continue growing both professionally and personally. I would highly recommend this meeting to anyone looking to celebrate successes, gain insights, and plan for a stronger, more intentional year ahead. Thank you! 😊😊😊

Lea Amigo
★★★★★

Great info - great presentation - appreciate your dedication to providing strategies to the street. LOVE my story - will print and reread. Thank you!!!!!!!

Sandy Hill
★★★★★

Great experience with the AI: to help with strategies. Lot of information in a short time but well worth the time. Thank you — Mary Jane Douma

Mary Jane Douma
★★★★★

GREAT 2026 Success Goal Planning! Loved it, will definitely do this again next year! Love your work Hammer and Scott Groves! Helped get my mind going in the right direction, and Hammer and Scott are so committed to our learning and success, thankyou!

Becky Thompson
★★★★★

The event that Hammer just hosted was absolutely amazing! I can't wait to watch the recording over and over, as there was so much great info I need time to absorb and execute!!!! Thank you soooo much!!!!

Kelley Hamilton
★★★★★

Very happy with Hammer Solutions! I had them revamp some things on my website, and got leads immediately afterward! Went from having 0 website leads, to 4 in one day.

Ian Anderson
★★★★★

Roger is awesome! He is the best at what he does.

DC
★★★★★

I just finished a 3-hour business strategy workshop with Hammer Helmer, and it was exactly what I needed to start 2025 with clarity and focus! Hammer’s practical insights helped me identify key areas to improve, set actionable goals, and overcome potential roadblocks. The session was packed with value—no fluff, just real strategies I can use right away. Hammer’s expertise and down to earth style made the whole experience motivating and productive... the time flew by because everyone was engaged. Highly recommend this workshop for anyone looking to level up their business in 2025!

Yasmin Martin, Mortgage Broker
★★★★★

I really enjoyed the vision planning workshop. It helped me get clear on what to focus on. I really enjoyed the brainstorming session and getting to heart of why the goals I set matter. I really appreciate the group setting and direction setting. I HIGHLY recommend you attend if you are looking for direction on your business. Thanks Hammer!

James Carpeneti
★★★★★

Hammer's planning workshop is a great way to jump start the New Year!!

Cathy Barry
★★★★★

Hammer nailed it! He didn't just talk about social media; he provided a practical, step-by-step guide to leveraging it effectively for lead generation and brand building. He shared actionable strategies for creating engaging content, targeting the right audience, and using social media to build meaningful relationships with potential clients. This was a huge area where I felt I was lagging, and now I feel empowered to take control of my online presence. Thanks man!

Jerry Siegel

What Loan Is Right For You?

Person

Did you know there are dozens of mortgage programs out there—each with different rates, terms, and qualifying guidelines? Your job, credit history, and even military service (yours or your spouse’s) could open doors to options you didn’t even know existed for a lower down payment or lower rates. Let me help you find the right mortgage for you.

Have questions? You’re not alone!

Applying is simple! You can start with the secure link on this page if you’d like to submit your application online, or if you’d like to discuss your situation first we can have a conversation and I can take your application over the phone or on Zoom.
APPLY NOW

A prequalification is an estimate of how much you may be able to borrow based on information you provide. A preapproval is a more in-depth process where the lender verifies your financial information to determine ahead of time that you will qualify. If you’re in a competitive situation, a preapproval will usually carry more weight. I can help you get prequalified or preapproved!
Get Prequalified or Preapproved

Typically 30 to 45 days, depending on the lender and how quickly you provide documents. However, if you are looking for a faster process, I may be able to help. If you’ve already found a house or are looking for a fast refinance, we should talk soon.
I want to get started

Common documents needed for your mortgage include recent pay stubs, tax returns or other tax documents like W-2s or 1099s, and bank statements. More documents may be required based on the program guidelines. I can give you a complete list of needed documents based on your situation.
Tell me what documents I need

Different mortgage programs have different requirements for credit history and credit score. I can help you compare your options, and if it isn’t the right time for you to buy a home or refinance I can help you with options to improve your credit.
Help me find out if I qualify

Real Stories From People
Like You

What clients say about working with us

4.85★★★★★115 verified reviews
★★★★★

Roger is an awesome mortgage rabbit, long ears and low rates!

Austin Sierra
★★★★★

Great info - great presentation - appreciate your dedication to providing strategies to the street. LOVE my story - will print and reread. Thank you!!!!!!!

Sandy Hill
★★★★★

Great experience with the AI: to help with strategies. Lot of information in a short time but well worth the time. Thank you — Mary Jane Douma

Mary Jane Douma
★★★★★

GREAT 2026 Success Goal Planning! Loved it, will definitely do this again next year! Love your work Hammer and Scott Groves! Helped get my mind going in the right direction, and Hammer and Scott are so committed to our learning and success, thankyou!

Becky Thompson
★★★★★

The event that Hammer just hosted was absolutely amazing! I can't wait to watch the recording over and over, as there was so much great info I need time to absorb and execute!!!! Thank you soooo much!!!!

Kelley Hamilton
★★★★★

Very happy with Hammer Solutions! I had them revamp some things on my website, and got leads immediately afterward! Went from having 0 website leads, to 4 in one day.

Ian Anderson

Still have questions?

I'm easy to reach and can likely help you right away — even outside of "banker's hours."

LET'S CHAT!

Connect with us: