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Working With The Sherry Riano Mortgage Team
Since 1999, The Sherry Riano Team has been serving North Carolina families with trusted mortgage solutions and a client-first approach. Based in Raleigh, we’re proud to be your local team of Mortgage Matchmakers—helping homebuyers, homeowners, and real estate agents across the state navigate the lending process with confidence. We believe securing a mortgage should be the easiest part of buying a home. That’s why we take the time to explain your options, answer your questions, and guide you step-by-step—whether you’re purchasing your first home, upgrading to your next, or refinancing.
Backed by Developer’s Mortgage Company, our team combines decades of experience with a passion for making mortgages clear, simple, and stress-free. When you work with us, you don’t just get a loan—you gain a team that’s invested in your success, your future, and your homeownership journey here in North Carolina.


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We believe in giving you what you need so that you don't miss opportunities available now.
The first step to owning a home is securing the right financing, and it should be the easiest step. Our North Carolina-based team delivers fast pre-qualification letters, secure online tools to track your progress, closings in as little as 15 days, and personal guidance from start to finish. From the mountains of Asheville to the coast of Wilmington, we’ll help you find the North Carolina home loan that fits your lifestyle and budget.
Could you be saving money on your monthly mortgage payment? Or maybe it’s time to tap into your home’s equity for a big goal. Our team will review your current loan, walk you through your refinancing options, and make sure you understand the numbers. The result: more savings, smarter strategies, and peace of mind knowing you made the right move.
Why client's choose us over our competition
In the competitive landscape of mortgages, The Sherry Riano Mortgage Team stands out distinctly, winning more client's for a reason. Our approach is personal and tailored to each individual because we understand that every story is unique, just like mortgage needs. Plus, we put your credit first. We compare lending options on your behalf so you can access competitive terms without unnecessary credit inquiries.
Reasons Why We Stand Out
- Personalized Solutions: No "one size fits all" here. We cater mortgage options based on your individual story and financing needs.
- Protect Your Credit: We compare lending options on your behalf so you can access competitive terms without unnecessary credit inquiries.
- Custom Mortgage & Cost Comparisons: Get a clear picture with our tailored comparisons.
- 20 Day Closings: Stay competitive with our swift closing processes.
- 24/7 Loan Progress Monitoring: Stay informed every step of the way with real-time loan tracking.
- Quick Pre-Approvals: Get a jump start with pre-approvals in as little as 15 minutes.
- Efficient Closings: Experience a seamless journey with our streamlined closing processes.
- Local Support: We're right here with you, providing support when you need it most, even late nights, weekends, and holidays.
Frequently Asked Questions
Since 1999, we’ve been helping North Carolina families finance their homes with confidence. Over the years, we’ve built a reputation for speed, transparency, and client-first service—closing most loans in 15 days or less while keeping the process simple and stress-free.
We put your credit first, streamline the process with online loan tracking and secure document uploads, and communicate every step of the way. Most of our clients receive same-day pre-approvals, and we consistently close faster than the industry average. It’s personal service powered by technology.
Big banks often mean slow timelines and multiple credit pulls. We protect your credit by comparing loan options on your behalf without unnecessary inquiries. Plus, with same-day pre-approvals and closings in as little as 15 days, we move faster so you can move into your home sooner.
North Carolina’s home prices are still more affordable than many parts of the country. That means your dollar typically stretches further here. We’ll break down your budget so you know exactly what’s possible.
Rates change daily based on the market and your financial profile. The best way to know your rate is to connect with us for a personalized quote. We’ll make sure you get the most competitive rate available.
Calling a lender first can make all the difference when it comes to home shopping. By spending a little time upfront with us, you can get an idea for what price range you'll be looking in, as well as potential breakdowns of what your monthly payments could look like. It will also help you determine how much house you can really afford. Because once you start looking, it's easy to get swept away by the style of the moment -- and what seems doable at first glance can turn out to be much more than you can afford!
Have you recently began the process of looking for a new home? Did you know getting pre-approved for a home loan is easy with The Sherry Riano Team? We can do pre-approvals in as little as 15 minutes! We listen to our clients and discover what's unique about them. Because we believe that each client is different and each situation is unique. Our goal is to educate you on all aspects of financing, so you feel comfortable and secure throughout the entire process. All you have to do is click the Apply Now button on our website to start the process!
Timing is everything when buying a home and ensuring your financing is in order is critical to ensuring a smooth experience. How long does it take to get pre-approved with our team? The answer is simple. Lightning fast! Sometimes, it can even be in as little as 15 minutes in some cases!
The key ingredient to an expedited home loan is all in the details. Make sure you get back requested paperwork and files to us as quickly as possible and have everything stored in one place that is easily accessible. The second most important ingredient is to ensure all the information on your application is accurate!
Private Mortgage Insurance, also known as PMI, is a supplemental insurance policy you may be required to obtain in order to get a mortgage loan. PMI is provided by private (non-government) companies and is usually required when your loan-to-value ratio – the amount of your mortgage loan divided by the value of your home – is greater than 80 percent.
PMI isn’t a bad thing – it allows you to make a lower down payment and still qualify for a mortgage loan. In fact without PMI, many of us would not be able to purchase our first home.
When determining what size monthly payment you can afford, you’ll want to consider what other monthly expenses you have. Tangible expenses such as car payments, day care and utility bills, all play a role in how large a monthly payment you can afford.
There are also the intangible expenses or lifestyle expenses that you’ll want to consider. Things such as dining out, travel and when you buy your next car can affect how much you can afford. Are you willing to curtail or delay some of these expenses in order to afford a larger monthly payment? Start the pre-approval process today so we can find the right financing options for you and your needs.
This is a question you’ll want to get answered before you begin your home search. This is something that we’re here to help you with! Our helpful resource section is packed full of articles and mortgage calculators to give you a better idea of what to expect. Have questions? Don't hesitate to reach out!
