Fast approvals, more affordable options and one-on-one support make getting a mortgage simpler when you work with me.
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.
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.
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and I'm Here To Help
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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 JOURNEYWhether 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 REFINANCEResearching
Wondering how much you can qualify for, or how much you might save by refinancing? Use our mortgage calculator, and when you’re ready I can help you compare mortgage programs and loan options.
Try Our Calculator →
Comparing
Been quoted some rates and looking to see if you can do better? Let me work up a custom quote you can easily compare — no obligation to move forward, and it only takes a few minutes.
Get a Custom Quote →
House Hunting
Need to get prequalified or preapproved? Want to run some numbers for different mortgage options and see what you can afford? I’m here to do that for you, at your convenience.
Get Prequalified →
I’m Ready!
Found a home and ready to make an offer? Or exploring options for refinancing a home you already own? I’m easy to reach — even outside of "banker’s hours" — by call, text, or email.
I’m Ready to Start →
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.
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.
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.
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.
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.
Roger is an awesome mortgage rabbit, long ears and low rates!
Great info - great presentation - appreciate your dedication to providing strategies to the street. LOVE my story - will print and reread. Thank you!!!!!!!
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
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!
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!!!!
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.
I'm easy to reach and can likely help you right away — even outside of "banker's hours."
LET'S CHAT!