About Me

Hi, I'm Rachael Carter

a Texas-based Mortgage Broker, Realtor, and Real Estate Educator with a decade of experience and a deep love for helping people navigate one of the biggest decisions of their lives: buying a home. I started in this industry after a winding road through engineering school, financial hardship, and a lot of hustle. I’ve been the first-time buyer with questions. I’ve been the person calculating every dollar. And now, I get to be the one who brings answers, negotiation, strategy, and a bit of humor to the table.

I live in Dallas with my adorable golden retriever Dutch. in my free time I enjoy cooking, traveling with my best friends and being outdoors in cooler climates. Hiking in Texas can be a liability. I have also been a model for the better part of 15 years and still book work as a bridal model for print and runway.

My background in engineering and finance means I love the math (yes, really), but what drives me is people. I’ve written and processed hundreds of mortgage loans myself, worked on all kinds of contracts from custom homes to starter condos, and now run my own brokerage office. I also teach and speak regularly about lending and real estate, helping other professionals and buyers understand a world that often feels needlessly complicated.

Whether you’re just starting your homebuying journey, looking refinance, or you're ready to make a move, I’m here to be your guide—with clarity, strategy, and maybe a few laughs along the way. Let’s make home happen, together.

CONTACT

Phone: 817-877-7808

Email: rcarter@greenhomeloans.com

Legal/License

Company NMLS: 2464753

Green Home Loans LLC

NLMS ID #2464753 (www.nmlsconsumeraccess.org)

TX-SML - #2464753

RMLO NMLS# 1423876 TX

TX Realtor # 0801508

For more information please visit: www.nmlsconsumeraccess.org

DISCLAIMERS

This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Green Home Loans is an Equal Opportunity Lender and an Equal Housing Lender.

TX DISCLAIMER:

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.

WEBSITE DISCLAIMER

No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site ( www.consumerfinance.gov/hmda ). HMDA data for many other financial institutions are also available at this Web site. GHL and loan officers under follow all regulations required by ECOA.

GRANT DISCLAIMER

Grants are offered and provided by/through third-party entities, and are dependent upon those entities’ set of regulations, restrictions, and qualifications to govern the distribution of those funds. E.g.- income compared to area median income; number living in household; first-time home buyer. Some grants require repayment and/or conditions which may trigger repayment. E.g.- primary residence, tenure in home. Your loan officer can assist you in obtaining current grant status and restrictions. GHL is not responsible for non-qualification by an applicant, nor funds availability, from the providing grant entity. This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. ALL approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Terms of the loan may be subject to payment of points and fees by the applicant.

COMARKETING DISCLAIMER

Rachael Carter and her team at Green Home Loans adhere to RESPA regulations. They are required to ensure equitable co-investment in marketing efforts when jointly advertising with a real estate professional. GHL is an Equal Housing Lender. They adhere to RESPA regulations. They are prohibited from paying referral fees to non-employees or real estate professionals for a referral of business.

WHOLESALE DISCLAIMER

This information is intended for broker use only and is not intended for distribution to the general public. All rates, forms, and parameters are subject to change without prior notice. Please refer to branch for more underwriting details and full product guidelines.

FINANCIAL PLANNING DISCLAIMER

Unless individually licensed and specifically denoted in their credentials, GHL licensed loan officers are NOT qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional.

REVERSE MORTGAGE DISCLAIMER

Borrowers must be age 62 or over and the home must be their primary residence. Homeowners must complete counseling with a government-certified counselor before applying. Homeowners must pay property taxes, insurance, and homeowner’s association dues. Consult a tax professional for tax consequences. A reverse mortgage is a loan and must be repaid. Loan amount based on equity in your home. Payout available in lump sum or in regular scheduled payments. Proceeds will not affect Social Security or Medicare Benefits. There’s no need to repay the loan as long as you continue to live in the house and maintain the property to FHA standards. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Interest rates and program guidelines are subject to change without notice.

PRE-APPROVAL DISCLAIMER

Mortgage loan pre-approvals are subject to several conditions remaining unchanged through the closing and funding of your loan. Be advised that your credit report may be pulled again at closing to ensure no changes have occurred. Some items that can affect your pre-approval: any changes in real estate purchase contract terms: sales price; closing date; deadlines; Adequate valuation from appraisal; conditions or exceptions to appraisal; changes in your financial situation; Increased debt ratios; changes in credit scoring and reported items; New debt or inquiries on your credit; buying/selling of assets; Any collection/lien notifications; Job changes or pay rate changes of any kind; Co-signing on a debt for anyone; Making any large deposits or money transfers; Unseasoned funds for down payment and closing costs. This list in not all-inclusive. Please contact your loan professional prior to taking actions that could change your financial situation.