Cary’s Best Independent Mortgage Broker

He was responsive and knowledgeable about the process and did not hesitate to answer every one of my (many) questions. He was professional and kind and as a bonus, was able to offer me the lowest rate of any lender."

— Angela K.

As first-time home buyers, we were nervous and had many questions but Steve quickly became a trusted advisor throughout the mortgage process. We could not have asked for a better person to work with and have already recommended 7 Locks Lending to a couple of family members.”

— Kristian V.

Steve was great to work with! He was able to help my wife and me with finding a lender who would accept my wife's income since she is a traveling nurse. We truly appreciate Steve and all his efforts in making sure that we'd be able to secure our dream home!

— Travis T.

Always responded to my endless emails and phone calls even in the early evening. Found us a mortgage when my first broker told me that I will not be approved. Found us cheaper insurance. Very knowledgeable. Made the whole process less stressful. Was always looking for ways to lower the rates. I really recommend Steve and 7 Locks Lending.

— Nick M.

He was very responsive and always made time to ensure we understood everything throughout the entire process. Would highly recommend him!

— Zach B.

Steve made this ordeal progress smoothly with his communication, information, and reassurance. The rate he secured was the best out there, (I looked at many). I highly recommend Steve.

— Michael B.

Stephen locked me in for a much lower rate than I could find elsewhere and responds to both emails and calls within minutes, very pleased with the entire experience and will definitely work with you again. THANK YOU!!!

— Michael S.

He was a pleasure to work with — extremely responsive, knowledgeable, and proactive. We closed on time and without any issues. We have worked with several lenders over the years and Steve has been our best experience.

— Vikas J.

Let's face it, shopping for a mortgage is like car shopping. 7 Locks Lending cuts out the game playing. Stephen works with lenders, but work's for you. He takes the time to provide insight, education, all while providing a great service and finding, you, the best deal. I'd refer to my own mother.

— Greg and Beth P.

As a realtor, when I refer a client to Steve, I know they will be in good hands. He is patient and professional with my clients, and always keeps me informed. I know we won't have an issue in closing on time. Having a good lender/broker is so important in ensuring a smooth transaction.

— Judy W.

Steve made our first home buying experience really easy and stress-free. His rates were the best, and he was very informative of our options. We were grateful for his guidance.

— Danielle M.

Steve is extremely helpful and the most responsive broker I have ever worked with. He is very knowledgeable about the options available and found a better solution than we had anticipated. I would highly recommend him to anyone who is looking for a new mortgage or refinance.

— Sean E.

Throughout the entire process, Steve provided the very best up-close and personal services, and I always felt I was in good hands. In addition, Steve always made himself available for any questions that I had, and it was just comforting to go through the whole mortgage process with transparency and detailed understanding. Thank you!!!

— Joon K.

Steve made it easy and painless, going above and beyond, assisting me with another bank when I was trying to obtain a Home Equity line, and was always friendly, super-responsive. He obtained a better rate (after we had locked). A super approachable and great guy all around, I would not hesitate to work with Steve again!

— Maureen B.

Steve is the best! He is able to guide and give direction while still being able to answer all questions and explain every question you might have! He takes the time to explain everything very thoroughly but still makes everything easy to understand. From the moment we spoke on the phone I felt Steve had my best interest and I could trust him. 100/10 would recommend Steve and I personally do not want to work with anyone else!!

— Robert M.

My husband and I had such a pleasant experience working with Steve and his team. Steve was always available to answer our frequent questions and was incredibly timely with moving our lending process along. A day before our closing there were a few unforeseen roadblocks that occurred and Steve made sure to look out for us, have our best interest in mind, and ensure that we close on our house on time.

— Rebecca and Daniel G.

Steve was great to work with. He was engaged throughout the entire process and was always quick to respond to my questions and requests. I really appreciated his knowledge of the business and his ability to guide me on the best decisions for my situation.

— Derek S.

Steve was such a help with our home buying experience. He took the time to explain everything for us and answer all of our questions. He was readily available whenever we called or messaged and provided email reminders. I am so glad to have had him throughout the process. I would highly recommend using him!

— Hannah K.

Took me step by step through the refinance process. He was patient while we worked through everything; answered all my questions and kept all entities to task. Could not have asked for better assistance. Highly recommend 7 Locks Lending!

— Amy C.

Steve helped us refinance our house. During Covid times, the process was a lot more of a pain than it normally would have been. However, throughout the process, Steve was very responsive, honest, and super helpful. I would highly recommend Steve to anyone looking to refinance or get a new mortgage!

— Justin B.

Steve was absolutely amazing. I was referred to him by a colleague and I can’t say enough good things. From the start of the process, Steve was in constant communication with me. It was a 6 month ordeal and he always responded to my texts and picked up the phone. He went out of his way to make sure I got the best terms, the best deal, and to make sure I knew exactly what was going on. If you want someone who will actually provide value and be proactive, and give you that 1 on 1 boutique experience, than looking no further than Steve.

— Tim L.

Steve always had my best interest at heart. I couldn’t have made it through this entire process without him. So grateful for his knowledge, guidance, and support. Thank you, Steve, for everything

— Dracena Z.

We worked with Steve for home refinancing and were thoroughly impressed by the overall experience. Everything was very smooth; Steve was very knowledgeable and open to answering any questions we had. He helped us every step of the way and made everything as easy as possible. We definitely recommend working with Steve!

— Matthew R.

Stephen and his team have been very supportive both during and after (even a year later) the purchase of my home. Great resource and person/team!

— Brian H.

My wife and I could not have asked for a better experience working with Steve and his team. He was fully available to us and in constant communication throughout the entire process to answer questions, provide advice, and made us feel very confident that we were in good hands. He went out of his way to ensure that we got the best rate possible and that we were comfortable with all of the terms.

— Tyler F.

He was thorough from the beginning, and I felt like he dedicated so much time to helping us in the loan process--even responding to emails on weekends. 7 Locks Lending offered us great wisdom and guidance through the process, as we often had questions throughout our journey.

— Natalie B.

If I could give him more stars I definitely would because words cannot describe how grateful i am with Steve, he was kind, honest and respectful and always had it in his heart to help us get our first home without maliciousness.

He was engaged throughout the entire process and quick to respond to our questions and concerns. His knowledge and guidance really helped us make the best decisions for our situation. In the little to no time he turned the impossible into possible for us in 3 weeks.

Highly recommend Steve, especially to anyone that is thinking of buying their first home, and honestly anyone that is currently looking to purchase this is the person to contact ASAP!

Joselyn C.

Steve helped my family secure a mortgage for our new home last fall and the process was incredible. We were first time sellers, relocating to a new city, and needed the to have everything secured in less than 30 days. Steve made himself available for us for questions after our work hours and on the weekends, making sure we understood the mortgage process and felt comfortable with what we were doing. We 100% recommend Steve and appreciate him helping us through the entire process!!

From our very first meeting, it was evident that Steve was committed to understanding my situation and long-term goals. His deep knowledge of the mortgage industry and current market trends allowed him to guide me through various options, ensuring I made informed decisions tailored to my needs. Steve has a uncanny ability to explain complex concepts in a clear and concise manner that was truly impressive.

If you are looking for a mortgage broker who combines unparalleled expertise with a genuine passion for helping people achieve their home ownership dreams, look no further. I wholeheartedly recommend Steve Wingerter– he's simply the best in the business.

— Mike and Susie

My husband and I recently bought a house in NC and used Steve as our Mortgage Broker. Not only was he very professional and knowledgeable but he was incredibly responsive and timely every time we contacted him. We originally applied for a mortgage in February and he helped us through the entire process until we finally closed on a house in September. We are grateful for Steve's services and would definitely recommend him and use him again.

~ Katelyn V.

Steve is great! He helped me through what was a very difficult home purchase and was a pleasure to work with. He’s very good at communication and problem solving.

~ Tripp P.

Superb service! We financed a second home with an extremely short timeline. Great guidance was provided on mortgage options and during the approval process. Anyone who has applied for a mortgage knows how complex the process can be. Our mortgage application process was completed well ahead of schedule.

~ Less B.

My husband and I have been in our house since November and a big part of this was Stephen. He is truly a hard worker and dedicated to helping his clients. Due to the economy and market we were facing several barriers and Stephen was able to maneuver them all. He is amazing at working with people and finding out how to make the financial piece of home buying work. THANK YOU THANK YOU THANK YOU STEPHEN!!!. We are so happy to be in our new home!!!

~ Elana S.

Stephen was absolutely INCREDIBLE during our time working with him!! I cannot say enough good things. He spent so much extra time with us as first time home buyers, explaining everything, giving us all of our options, advising us and answering a million phone calls. If you are considering reaching out, DO IT. I can guarantee you will have the best experience with him! THANK YOU STEPHEN!!

Stephen was great and very helpful with the closing of our dream home. He walked us through step by step of the loan process and answered all of our questions through the month. He made sure we had a thorough understanding of the numbers and was accurate with his estimates from the beginning. Thank you for all your help Stephen! 10 out of 10 would recommend Stephen as a future lender!

~ Kaylee and Mitchell C.

As a first-time home-buyer Steve and 7 Locks Lending were an invaluable resource throughout this experience. From start to finish, Steve was exemplary at keeping a clear line of communication; he was readily available for any questions or concerns, and his wealth of knowledge and resources meant that I was confident in my decisions when it came to getting a mortgage. He operated with my goals and financial circumstances in mind, and made sure that a lot of the complexities that go into the process were demystified. It was such a huge boon having him in my corner while buying my first home, and I’d highly recommend him to others!

~ Lauren T.

There are not enough words to express my gratitude to Steve Wingerter and 7 Locks Lending. This was my first time purchasing a home on my own and I needed advice about getting a loan. My realtor recommended Steve to me and from start to finish it was the best decision I could have made. Steve walked me through the lending process step by step and made me feel at ease and comfortable through the entire process. Steve was always available to answer questions and he made sure I was updated frequently throughout the entire process. He helped to make an overwhelming process seamless and I would highly recommend Steve and 7 Locks Lending.

~ Carris S.

Stephen Wingerter was great to work with. He kept me posted throughout the process which is important info as a real estate agent. I would recommend Steve again in the future.

~ Jennifer F.

After speaking with a few lenders, Steve with 7 Locks Lending stood out by a wide margin. From the beginning, Steve was extremely communicative and informative, helping us understand all the different scenarios that could work for us with our first home purchase. He was, by far, the best part of our home-buying experience and made an otherwise stressful situation very easy. I would highly recommend him to anyone.

~ Noah L.

Steve was great to work with for my first time home buying experience. He was very helpful throughout the whole process. Highly recommend 7 Locks Lending..

~ Jack G.

Steve was so great to work with, his help during the whole process was invaluable during a very stressful cross country move and I would highly recommend him to anyone.

~ Frank & Lori D.

Steve was fantastic help with getting my VA loan. He goes above and beyond in helping his clients and I highly recommend him if you are looking for a mortgage broker in your next home purchase.

~ John S.