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About Summit Mortgage

Mortgage industry leaders since 1992.

We opened the first Summit Mortgage branch in 1992 with the belief that building trust and developing strong relationships with homebuyers, partners, and our employees would provide the foundation for long-term success.

Since then, we’ve been able to provide truly personalized service to our clients in 28 states. Last year we serviced more than $2B in direct-to-consumer loans for first-time homebuyers, military veterans, homeowners looking to refinance, and investors searching for new properties.

We know that purchasers come to loan officers full of excitement and questions. The truth is they may be stepping into unfamiliar territory when buying, refinancing, or starting a large home renovation project. When you work with Summit Mortgage, you’ll be able to rely on our in-house teams, resources, and tools to get the job done and exceed expectations.

We believe it’s possible to build a successful company without sacrificing integrity, honesty, or expertise – and we haven’t been wrong yet.

The Summit Mortgage Promise

Our job is to help people get the best home loan possible, at a competitive price, while treating them like our own family. – Summit Mortgage Founder, Robert Carter

Welcome home.

Summit Mortgage combines the benefits of a national corporation with the flexibility of a small business. We have the buying power to compete with big banks but rely on nimble, in-house operations and marketing teams to support our loan officers and provide homebuyers with an exceptional experience, from the day they submit an application to the day they close.

National reach. Local expertise.

While our technology allows us to service loans from the convenience of our phones, we do have experts available to help along the home financing journey.

When you work with Summit Mortgage you develop a relationship with an individual loan officer and they are responsible for seeing the loan over the closing line. Our in-house teams take pride in providing real-time status updates to get loans closed quickly and efficiently.

Summit Mortgage currently services loans in 28 states and we have branch locations nationwide including the midwest, northwest, southwest, northeast, and southeast.

Privately-owned direct lender.

We’re proud to be a privately owned company because it allows us to focus on providing our clients with the personalized service that they deserve.

We are a direct to Fannie Mae and Freddie Mac lender and we service our own conventional loans. We also have a large variety of correspondent lending investor relationships. So, you have a wide variety of finance options.

Explore your loan options.

  • Conventional Fixed-Rate Loans

    Fixed-rate mortgages offer buyers predictable monthly payments with an interest rate that will remain the same over the entire term of the loan. A fixed-rate mortgage is ideal for buyers who plan to live in their home for several years or longer.

    Explore conventional fixed-rate loans

  • FHA Loan

    The Federal Housing Administration (FHA) designed these loans to meet the needs of buyers with low or moderate incomes. With only a 3.5% minimum down payment required and flexible qualifying guidelines, this is a great option for young and first-time homebuyers.

    Explore an FHA home loan

  • Low Down Payment Programs

    If you don’t have enough money saved up for a large down payment, you can still qualify for an FHA or conventional fixed-rate loan as long as you’re comfortable taking on mortgage insurance.

    See low down payment mortgage options

  • Down Payment Assistance Programs

    Buyers who don’t have the funds for a down payment can combine gift funds from friends and family, loans, grants, tax credits, and other financial sources to help lower the upfront cost of buying a home and maintain affordable monthly payments.

    View down payment assistance programs

  • Home Improvement Loans

    A home improvement loan can help turn that fixer-upper into your dream home by rolling the purchase price of the property and the renovation cost into a single, low fixed-rate loan.

    Consider a home improvement loan

  • Adjustable-Rate Mortgage (ARM)

    An adjustable-rate mortgage (ARM) generally offers buyers a lower initial interest rate than fixed-rate mortgages. However, after the introductory period, the interest rate may adjust to reflect market conditions on a predetermined date each year.

    See how adjustable-rate mortgages work

  • Jumbo Loans

    Some homeowners dream big. Others dream really big. A jumbo loan might be the best option if you need a loan that exceeds $510,400, have a higher-than-average income, and a great credit score.

    Learn how jumbo loans work

  • USDA Loans

    The US Department of Agriculture (USDA) offers low and no down payment mortgages for eligible rural and suburban homes. Buyers who live outside major metropolitan areas and are unable to secure financing for traditional mortgages may want to consider a USDA loan.

    Learn more about USDA loans

  • VA Loans

    VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA) to help qualified veterans, active-duty service members, and their spouses afford a home. 100% financing is available on qualified transactions without private mortgage insurance (PMI).

    Take advantage of a VA home loan

  • Refinance

    We’ve made refinancing simple for all types of homeowners. Summit Mortgage offers two types of refinancing options: Rate & Term Refinance and Cash-Out Refinance.

    Learn more about your refinance options

Learn more about home loans.

Industry leaders you can call friends.

There is a reason we are recommended by realtors and industry professionals. If there’s a question you can’t answer or a mountain you can’t move alone, our leadership team is directly accessible to lend a hand and share their knowledge.

Meet Our Leadership 

Why Choose Summit?

The consistency of communication and fantastic team of people was outstanding. They made me feel so comfortable throughout this entire process. Macey D., Customer
The first time home buying experience was made easy. Aaron G., Customer
Clear communication, felt like you were always there to answer questions and had our best interest at heart. Looked for different solutions when issues came up.... Thank you for everything! Elizabeth A., Customer

Stay in the know with insights from our leadership team.

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