Meet Your Mortgage Origination Team

Local North Carolina mortgage experts providing transparent guidance, competitive rates, and personalized loan solutions.

Nate Haines Headshot

Sr. Loan Officer

NMLS #512242 • Chapel Hill & Durham

★★★★★ 5.0 (203 Zillow Reviews)

16 years of experice specializing in Jumbo, Conventional, VA, FHA, Physician, and Non-QM options in Chapel Hill, Durham, Raleigh, Apex, Cary, and all of North Carolina.

Will Scroggs Headshot

Loan Officer

NMLS #1807923 • Chapel Hill & Raleigh

★★★★★ 5.0 (35 Zillow Reviews)

Expert guidance for first-time buyers, FHA/VA financing, and relocation loans across the Research Triangle region.

Michelle Cooper Headshot

Branch Manager / Loan Officer

NMLS #2016459 • Morehead City & Crystal Coast

★★★★★ 5.0 (14 Zillow Reviews)

Managing coastal mortgage operations and specialized home purchase financing in Morehead City, Beaufort, and Eastern NC.

Eli Tanner Headshot

Loan Officer

Chapel Hill & Triangle Region

★★★★★ 5.0 (Team Zillow Reviews)

Assisting home buyers with pre-approvals, rate locks, and seamless loan originations across North Carolina.

Robby Oakes Headshot

Managing Director / Team Lead

NMLS #98801 • Chapel Hill & Statewide NC

★★★★★ 5.0 (68 Zillow Reviews)

Founder and Managing Director leading team strategy, brand operations, and client experience across all North Carolina locations.

Your trusted, local mortgage originator serving Chapel Hill, Durham, Raleigh, Greensboro, Wilmington, Charlotte, Morehead City and all of North Carolina.

 

Mortgage Solutions & Specialized Loan Programs

Flexible financing tailored for homebuyers, medical professionals, self-employed borrowers, and real estate investors across North Carolina.

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Conventional Loans

Standard 15-year and 30-year fixed-rate mortgages with competitive pricing and flexible terms for primary and second homes.

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Jumbo Loans

High-balance loan options tailored for luxury property purchases that exceed standard conforming loan limits.

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VA Loans

Exclusive 0% down payment financing with zero monthly mortgage insurance for eligible active-duty military, veterans, and surviving spouses.

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FHA & USDA Financing

Government-backed solutions featuring low down payments (from 3.5% for FHA) and 100% zero-down financing options for designated rural NC areas (USDA).

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Non-QM & Alternative Income

Flexible qualification options for self-employed borrowers using 1099-only documentation, Asset Depletion, or Bank Statement programs.

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DSCR Investor Loans

Qualify for investment property financing based on property rental income cash flow (Debt Service Coverage Ratio) rather than personal tax returns.

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100% Doctor & Physician Loans

Exclusive 100% financing (0% down) with no PMI designed specifically for doctors, dentists, residents, and eligible medical professionals.

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Refinancing Options

Lower your monthly payment, adjust your loan term, or convert home equity into cash with a rate-and-term or cash-out refinance.

Read Reviews From Our Satisfied Customers

See what clients across North Carolina say about working with our team.

Nate Haines

Sr. Loan Officer | NMLS #512242

★★★★★ 5.0 out of 5 based on 203 reviews on Zillow
"Nate and the CIMG team are great! Having purchased and sold a number of homes over many years, this time it was the easiest and most responsive having Nate quarterback the process. I would highly recommend Nate and his team."

— Tom Denny from Hillsborough, NC

Will Scroggs

Loan Officer | NMLS #1807923

★★★★★ 5.0 out of 5 based on 35 reviews on Zillow
"I highly recommend Will Scroggs and the whole team that he works with! I had never bought a house before and had a million questions and he always answered them promptly without making me feel silly for not knowing the answer. I felt very looked out for as a buyer."

— Sonja from Durham, NC

Michelle Cooper

Branch Manager / Loan Officer | NMLS #2016459

★★★★★ 5.0 out of 5 based on 14 reviews on Zillow
"Michelle and her team were great to work with for our purchase. She made the process easy to understand and kept everything on track. She was also competitive with rates. I would be happy to work with her again."

— Greg from Emerald Isle, NC

Robby Oakes

Managing Director / Loan Officer | NMLS #98801

★★★★★ 5.0 out of 5 based on 68 reviews on Zillow
"Robby and his team were communicative and on top of all aspects of the loan process even as closing dates and decisions changed. This process was the easiest and least stressful in all the years that I have been buying real estate."

— Rebecca M. from Chapel Hill, NC

Recent Mortgage Insights and Articles

  • How a Small Down Payment Can Still Lead to Homeownership

    • Jul, 24 2026

    Many people believe they need a large down payment before they can buy a home. While making a larger down payment can have benefits, it is not the only path to homeownership. Today’s mortgage programs offer a variety of options that allow qualified buyers to purchase a home with much less money upfront than they may expect. Understanding these opportunities can help turn the dream of owning a home into a reality sooner than you think.

  • Should You Lock Your Interest Rate Right Away?

    • Jul, 23 2026

    Choosing the right mortgage involves more than finding the right home. One of the most important decisions during the loan process is whether to lock your interest rate. Many buyers wonder if they should secure today’s rate or wait to see if rates improve. The answer depends on several factors, including market conditions, your closing timeline, and your comfort level with uncertainty.

  • What Happens to Your Mortgage After Closing?

    • Jul, 22 2026

    Closing day is an exciting milestone. You have signed the paperwork, received the keys, and officially become a homeowner. While it may feel like the mortgage process is complete, there are still a few important things to understand about what happens after closing. Knowing what to expect can help you manage your mortgage with confidence and avoid unnecessary surprises during your first year of homeownership.

  • Why Shopping for a Mortgage Does Not Hurt Your Credit the Way You Think

    • Jul, 21 2026

    Shopping for a mortgage is one of the smartest things you can do when buying a home, yet many buyers hesitate because they believe multiple credit checks will seriously damage their credit score. Fortunately, that is one of the biggest misconceptions about the mortgage process. Understanding how credit inquiries work can help you shop with confidence and potentially save thousands of dollars over the life of your loan.

  • What’s Ahead For Mortgage Rates This Week – July 20th, 2026

    • Jul, 20 2026

    Inflation has shown signs of easing for the first time since the early days of the COVID pandemic. However, inflation remains higher than anticipated. Both the PPI and CPI data releases came in lower than expected, suggesting that inflationary pressures may be beginning to moderate. This is based on the newer, more theoretical reporting for the PPI and CPI.

  • What If My Mortgage Pre-Approval Expires?

    • Jul, 17 2026

    A mortgage pre-approval is one of the most valuable tools in your homebuying journey. It’s not just a letter stating how much you’re qualified to borrow; it’s a written commitment from your lender that assures sellers you have the financial backing to make a competitive offer.