Trusted and Reliable Mortgage Lending In Cary, NC

Where your worries disappear, and financial freedom begins!

At Exhale Lending LLC, we believe the mortgage process should be simple, stress-free, and designed with your goals in mind. Serving Cary, NC, and surrounding communities, we specialize in professional mortgage lending services that help first-time buyers, seasoned homeowners, and business leaders achieve their dreams. With us, you’ll find a friendly, direct approach that cuts through the jargon and puts your needs first.

Why Mortgage Lending Matters

Buying a home is one of the biggest financial decisions you’ll ever make. Choosing the right mortgage lender can make all the difference in ensuring the process runs smoothly. At Exhale Lending, we take the time to explain your options, outline costs, and provide clear pathways toward homeownership. From traditional loans to construction financing, we make sure you have the tools and information to move forward with confidence.

Our Services and Approach

Our mortgage lending solutions are designed to fit a wide range of needs. Whether you’re purchasing your first home, refinancing for better rates, or exploring a reverse mortgage, our team has the experience to guide you. We also serve clients with unique financial backgrounds and property types, providing flexible lending solutions that many larger institutions overlook.

What sets us apart is our commitment to transparency and efficiency. We know that every client’s situation is unique, which is why we provide personalized recommendations tailored to your goals. With founder Patrick Gallagher’s Wall Street expertise and our client-first mission, Exhale Lending is a partner you can trust through every step of the process.

Why Choose Exhale Lending

As your mortgage lender, we combine industry expertise with a people-first approach. Our goal is to empower you, not overwhelm you. We believe in honest communication, timely updates, and solutions that are right for your specific situation. When you work with us, you gain more than a lender; you gain a partner who truly cares about your financial future. Ready to take the next step toward homeownership? Contact Exhale Lending LLC in Cary, NC, today to learn more about our mortgage lending services. Let us help you breathe easier, knowing you have the right partner on your side.

Mortgage Solutions Made Simple

Whether you’re buying, refinancing, or planning ahead, we’re here to guide you every step of the way.

Purchase Mortgages

Exhale can show you the most direct path to homeownership — whether you’re buying your first home or your next investment. Learn more.

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Refinance Mortgages

Reduce your payments, or unlock equity to pay off debt or perform a renovation. Your home. Your refi.
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Consultations

Not sure where to start? Need a little handholding? Let us help build your confidence with a clear, jargon-free consultation.Learn more.

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Pre Approvals

Get pre-approved early and save time, build confidence, and streamline your search. Learn more

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Services & Offerings

Services

Mortgage Brokerage

Access a wide range of mortgage lenders, products and financing solutions tailored to meet your specific needs and situation.

Pre-Approvals

Gain confidence in your home-buying journey with a pre-approval. By understanding your affordability and budget, you can make stronger, more informed offers. Your real estate agent will appreciate it too.

Consultations and Planning

Friendly, jargon-free discussions to help you understand your mortgage options and plan your financial future effectively.

Rate Quotes

Whether you are purchasing or refinancing you can request one-off customized rate quotes, or sign up for automated rate quote notifications.

Refi-Tracking

Exhale will monitor and keep you informed about refinancing opportunities to ensure you never miss an opportunity to save even more.

Mortgage Types

Purchase Loans

Finance the purchase of a new home, vacation property, or investment property with tailored loan options.

Rate/Term Refinance Loans

Refinance your existing mortgage to secure a better rate or term, reducing your overall loan costs.

Cash-Out Refinance Loans

Tap into your home equity to obtain cash for other financial needs while refinancing your mortgage.

Construction Loans

Finance the building of your new home with a loan designed for construction purposes.

Reverse Mortgages

Access the equity in your home if you’re a senior homeowner, providing additional financial flexibility in retirement.

Mortgage Products

Conventional Conforming Loans

Standard mortgages that meet Fannie Mae and Freddie Mac guidelines.

Jumbo Loans (Non-Conforming)

Loans for higher-priced properties that exceed conforming loan limits.

FHA, VA, and USDA Loans (Agency)

Government-backed loans with specific benefits for qualifying buyers, such as low down payments and flexible credit requirements.

Non-Qualified Mortgages (“Non-QM”)

Specialized loans for borrowers with unique financial situations that don’t meet traditional lending criteria.

HELOCs and 2nd Lien Loans

Access your home’s equity for projects, investments, or debt consolidation through Home Equity Lines of Credit or second mortgages.

Tailored Solutions

Down-Payment Assistance

Programs designed to help you cover the cost of a down payment and make homeownership more accessible.

Debt Service Coverage Ratio (Non-QM)

Loans based on your rental property’s income rather than personal income, ideal for real estate investors.

Bank Statement Loans (Non-QM)

Use your bank statements to qualify for a mortgage, perfect for self-employed borrowers.

No-Income / No-Ratio Loans (Non-QM)

Loans that don’t require income verification, suitable for borrowers with substantial assets.

ITIN Borrowers (Non-QM)

Mortgage options for borrowers who have an Individual Taxpayer Identification Number (ITIN) but no Social Security Number.

Niche Property Types

One-Time-Close Construction

A single loan to cover both the construction and permanent financing of your new home.

Land/Lot Loans

Finance the purchase of land or a lot where you plan to build your future home.

Condotels

Loans specifically designed for condo-hotel properties that operate as vacation rentals.

Non-Warrantable Condos

Financing options for condos that don’t meet conventional loan guidelines.

5+ Unit Properties

Loans for purchasing or refinancing properties with five or more residential units.

Stay Informed!

Because an Informed Borrower is a Confident Borrower.

Rate Trends

Check out current national mortgage rate trends by clicking this link.

RE Performance

Monitor county-level Real Estate Performance in some of more sought-after counties here.

What's New

Click here to learn more about new products, services and offerings, and how they benefit you.

Preferred Partner Listings

Recent Transactions

About Patrick

About Exhale Lending

At Exhale Lending, we believe that the mortgage process should be straightforward and stress-free. Founded by Wall Street veteran Patrick Gallagher, our mission is simple: provide honest, efficient, personalized mortgage solutions that empower our clients to achieve their homeownership dreams and build wealth.

Learn more.

Frequently Asked Questions

What documents do I need to apply for a mortgage?

Typically, you’ll need proof of income, tax returns, bank statements, and identification. Self-employed applicants may also need to provide profit-and-loss statements. Having these documents ready speeds up the approval process.

How does refinancing save me money?

Refinancing can lower your interest rate, reduce your monthly payment, or shorten the length of your loan. It may also allow you to access home equity for renovations or debt consolidation.

Is Exhale Lending able to help first-time buyers?

Yes. We provide tailored support for first-time buyers, including explaining government-backed loan options. We also guide clients through budgeting and planning for long-term success.

Can a mortgage lender help with unusual property types?

Absolutely. We work with clients who may have non-traditional income or are purchasing unique homes. Our flexibility allows us to find solutions where others might not.

Expert Advice

We’re your trusted financial partners for life, dedicated to simplifying your journey towards homeownership. Reach out today!

Exhale Lending is a mortgage brokerage firm that embodies trust, transparency, and a genuine desire to help clients achieve financial serenity. With our client-centric approach, expertise, and unwavering commitment to excellence, Exhale Lending is poised to make a meaningful impact on the journey towards homeownership for individuals and families alike.