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Carolina Branch


845 Church St N , Ste 310 & 311
Concord , NC 28025

Branch Managers

Bruce Lawing

Branch Manager

NMLS #659098

headshot of Jeff Gilmore, wearing a dark blue sweater with a light blue shirt

Jeff Gilmore

Regional Manager

NMLS #87272

Matt Gray

Regional Manager

NMLS #68261

William Roseberry

Branch Manager

NMLS #68916


Loan Officers

headshot of Blaire Laudermilk, wearing a dark blue blouse

Blaire Laudermilk

Loan Officer

NMLS #1559771

Clay Holk

Loan Officer

NMLS #2075886

headshot of George Linney, wearing a dark blue sweater with a purple shirt.

George Linney

Loan Officer

NMLS #1735801

headshot of Hunter Gilmore, wearing a green sweater

Hunter Gilmore

Sales Manager

NMLS #949819

Jimi Nelson

Loan Officer Assistant

NMLS #1826160

Jocelyn Jackson

Loan Officer

NMLS #1458786

Karl Hoeferlin

Regional Sales Manager

NMLS #119420

Kevin Lanham

Loan Partner

NMLS #193914

Headshot for Leigh Baker

Leigh Baker

Loan Officer

NMLS #1488003

MaryEllen MacDonald

Loan Officer

NMLS #788549

Matt Funderburk

Loan Officer

NMLS #1930687

headshot of Misty Canipe, wearing a black blazer with a blue shirt

Misty Canipe

Loan Officer

NMLS #2788906

Patrick Edmondson

Loan Officer

NMLS #220567

Rachelle Killman

Loan Officer

NMLS #1792884

Sam Bickle

Loan Officer

NMLS #1906536

Susan Dewar

Loan Partner

NMLS #85655

headshot of Terry Whitesell, wearing a light blue polo

Terry Whitesell

Sales Manager

NMLS #199821

headshot of Travis Nicolaysen, wearing a blue suit and shirt

Travis Nicolaysen

Business Development Manager

NMLS #1782820


Map to Carolina Branch

Where to Find Us

845 Church St N , Ste 310 & 311
Concord, NC 28025
Get Directions

We’re proud to serve homebuyers

Our branch is proud to serve homebuyers and homeowners throughout our area and beyond. Our team combines local warmth with the expertise and resources of a leading mortgage lender.

Whether you’re buying your first home, upgrading to meet your family’s needs, or refinancing to achieve your financial goals, our loan officers are here to guide you every step of the way.

With personalized service, local insight, and a commitment to making the process simple and stress-free, we’re dedicated to helping you find the right loan solution for your unique situation.

Learn how to Buy Your First Home

Buying a home is a big step — and I’m here to make it easier. I’ll walk you through your options, answer your questions, and help you find the right loan to fit your life and goals.

Our Services

Younger woman in her new home

Home Purchase Loans

Expert guidance through the home buying process
Young family with children in new home

Refinancing Options

Solutions to lower your interest rate or monthly payments
Younger couple starting out in first home

Personalized Consultations

One-on-one meetings to discuss your financial goals
Family outside just sold new home

Loan Program Guidance

Detailed explanations of different loan programs available

Estimate your mortgage

See estimated monthly payments based on your loan details. Compare scenarios to find what best fits your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

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$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

Steps to Easy Home Buying with Novus

Buying a home is a major milestone. You deserve a path to homeownership that feels clear and supported at every step. The Novus Path brings together experienced loan officers, innovative technology, and industry-leading knowledge in both traditional and Non-Qualified Mortgage (Non-QM) lending.

Younger woman in her new home

Get Pre-Approved

A Novus pre-approval gives you a clear idea of what you can afford, helps you understand your loan options, and strengthens your offer when it is time to make a move.
Unboxing and move in day

Explore Your Loan Options

From conventional, FHA, VA, and USDA loans to Non-QM, jumbo financing, and down payment assistance programs, we help you compare options and choose the one that fits your goals.
Younger couple starting out in first home

Find the Right Home

With your pre-approval in hand, you and your real estate agent can focus on homes that match your budget and priorities. Your loan officer stays connected throughout your search to answer questions and offer guidance.
New couple in home during move in day

Apply and Submit Documents

Our technology makes it easy to apply, upload documents, and see what’s next. Your loan officer will walk you through exactly what is needed and help you stay organized to keep your application on track.
First time homebuyer with my new home sign

Processing and Underwriting

Our team reviews your file, verifies your information, and prepares your loan for underwriting. Underwriting is the step where a loan expert reviews your financial details to make sure everything meets the guidelines for your loan. We keep you updated throughout the process and let you know if anything else is needed to keep your loan moving.
Family outside just sold new home

Closing, Getting Your Keys, And Beyond

Once your loan is cleared to close, you’ll sign your final documents and celebrate becoming a homeowner. Your Novus loan officer is here for you long after closing, whether you need answers, updates, or help with future financing.

Why Homebuyers Love Working with NOVUS

Buying or refinancing a home is a big decision. You deserve straight answers. No jargon. No guesswork. You get clear explanations, real guidance, and consistent updates from pre-approval through closing.

Your goals, budget, and timeline are unique, so your mortgage should be too. Whether you are exploring:

• Conventional financing
• FHA (Federal Housing Administration) loans
• VA (Department of Veterans Affairs) loans
• USDA (United States Department of Agriculture) loans
• Investment property loans
• Second home loans
• Construction loans
• And more!

We help you compare your options and choose a loan that fits your life.

You should never feel like just another name on a list. With Novus, you get a loan officer who truly listens, cares about your goals, and guides you through every step with clarity and support. We blend personal care with smart technology to make your experience easier long after the closing table.

In Our Community

Our work doesn’t stop at helping families buy homes—we’re committed to strengthening the places we live and work. From sponsoring youth programs to supporting local charities, we’re proud to give back to our community.

Younger couple in new home with plants

Proudly Giving Back

We volunteer, sponsor local events, and support programs that strengthen our community.
Older couple walking into new home

Local Food Drives

We partner with local food banks to fight hunger, sponsoring community drives that help families in need.
Couple enjoying move-in day in new home

Youth Sports Sponsorships

We’re proud to support local youth sports programs, helping kids build teamwork, confidence, and lifelong skills both on and off the field.