THE CARTER GROUP

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #2373413+ Years ExperienceLicensed Nationwide
    360+
    Loans Closed
    3+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Amna Quraishi

    Loan Officer

    Visit their site

    Austin Charlton Hood

    Loan Officer

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    Becky Lynne Herndon

    Loan Officer

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    Donald Lee Young

    Loan Officer

    (918) 830-2114Visit their site

    Gladys Maria Caparratto

    Loan Officer

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    Janan Hussein

    Loan Officer

    Visit their site

    Michael Nicholas Schneider

    Loan Officer

    Visit their site

    Mike Ray Reber

    Loan Officer

    (727) 417-6529Visit their site
    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
    →
    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 174 families & counting

    ★★★★★4.9174 verified reviews
    "
    Amna made it super simple and stress free throughout the whole process
    Garrett Chase C.
    Vinita, OK · via Amna Quraishi
    September 2026
    "
    We hadn't bought a house in 32 years and the process had changed significantly and they were very helpful, always answering our questions and walking us through it. They worked with us to help us get the best rate,
    Nancy C.
    Greensboro, GA · via Austin Charlton Hood
    January 2026
    "
    Becky went above and beyond I feel like to help me reach my goal of home ownership.
    Bryan K B.
    Valdosta, GA · via Becky Lynne Herndon
    December 2024
    “
    Donnie made this experience great because he was down to earth, real, and understanding wanting the very best for us. He listened to our likes, desires, and understood how to walk us through everything that we didn't understand. He also was very good about making sure if we could no lt talk until 9pm at night or 9 am in the morning he was always making it where you had time. He is very family oriented and respectful for his and your family time. Overall best experience I had for a loan officer for buying a house!!
    Savannah R.
    Marquette, KS · via Donald Lee Young
    May 2026
    “
    It was a pleasure working with Gladys Cappriatto. She made the process so easy to understand and it worked out great. I would definitely use Gladys again. Thanks for all your help.
    Miguel Fonseca
    via Gladys Maria Caparratto
    December 2024
    “
    Janan was an absolute pleasure to work with, communication throughout the process was fantastic and I will be recommending her to everyone I know going forward.
    Andrew G S.
    Beggs, OK · via Janan Hussein
    August 2026
    “
    Michael is and has been amazing to work with over the years. His efficiency, hard work, honesty, and dedication to his clients are the best in the business. I feel blessed to have had him help me navigate through my COReFi. I will continue to utilize Michael and his team for as long as they are in business.
    Ashley M.
    Land O Lakes, FL · via Michael Nicholas Schneider
    July 2026
    “
    was awesome held my hand through the whole process explained everything to me answered my call every time treated me like I was family my experience with Mike and the team was amazing
    Jennifer G.
    Hudson, FL · via Mike Ray Reber
    February 2026
    “
    The ease with which we were anle to be approved for the loan!!!
    Robert Lee H.
    Sand Springs, OK · via Amna Quraishi
    August 2026
    “
    Becky stayed in communication with me all through the process. Any questions I had, she was quick to answer.
    Craig Lyman C.
    Valdosta, GA · via Becky Lynne Herndon
    June 2024
    “
    The house buying experience can be a taxing drawn out marathon. The Knowledge, comfort and helpfulness that Donald Young possessed in our loan process was extraordinary. Communication and his willingness to be available whenever we needed something was extremly helpful. All loan officers should be this good.
    David R. W.
    Mounds, OK · via Donald Lee Young
    November 2025
    “
    The whole process was made very easy for myself.
    Michael F.
    Tampa, FL · via Gladys Maria Caparratto
    December 2024
    “
    Very easy, simple and straightforward process.
    Bob Anthony S.
    Tulsa, OK · via Janan Hussein
    July 2026
    “
    My husband and I have know Michael for over 6years now and there is a reason why we continue to stay with him. He is in contstant communication even after his part is over with just make sure he always is getting the best rates for your family. If there is ever a problem, he picks up the phone on the first ring and will make sure he finds every solution possible (even when it has nothing to do with him). Truly, my husband and I tell him to everyone and will forever stay with Michael. if you want a Leander to have your back and protect your money, Michael is the only person in my eyes that is meant for this job!
    Autumn Elyse P.
    Abilene, TX · via Michael Nicholas Schneider
    June 2026
    “
    was amazing. Very open communication prompt responses open to the whole process. Very helpful with walking through with getting the insurance set up for the house and next steps. It was a great overall experience Mike really is an asset. I would definitely refer multiple people to work with Mike in purchasing their home Thanks Mike for everything you did.
    Ali Michelle D.
    Mayo, FL · via Mike Ray Reber
    July 2025
    “
    We were first time home buyers and she helped us greatly. Communication was excellent and she didn't make us question anything.
    Harmony Grace G.
    Vinita, OK · via Amna Quraishi
    August 2026
    “
    Mis Becky started off as a Leander.. she ended up as a great phone friend. She wants to know you an your family. There was times when I was over whamed with what was going on an she was there to let me know everything was OK. I was never alone she was step for step with me though the works. When I felt bad ,she prayed for me. She is the BEST hands down. At the end when we saw each other her smile was as big as mine. Becky was not a stranger at closing. Thank you Becky for all you did for me an my family. ??
    Nelson R.
    Valdosta, GA · via Becky Lynne Herndon
    November 2023
    “
    Donnie fought for our new home !! we had a house fire back in october and he went to bat for us and made us feel like family he has been working in our case for 9 months and yesterday we closed thank you to Donnie and his team helping our dreams come true! there were times I thought we wdre doomed our dream was foomed but Donnie would take the time to reassure me and to be honest as happy as we are we were able to coose i will niss talking to donnie for sure! And tom carter is a wonderful man too! Thank you to all of you!
    Sarah R G.
    Hillsboro, KS · via Donald Lee Young
    July 2025
    “
    The product itself is of excellent quality, and I couldn't be happier with my decision to buy from this company. I so appreciate all the help you've given me! You have a great team working for you!! “ “We can't thank your entire team enough for all of your hard work on getting our loan taken care of and early for that matter. ????? “Five stars all the way! The service, the product, and the overall experience were outstanding. I will definitely be a repeat customer and will recommend them to everyone I know.”
    Liz Valentin
    via Gladys Maria Caparratto
    September 2024
    “
    This was a great experience as far as needing a morgage goes. Jannan made this a great experience.
    Ty O.
    Mounds, OK · via Janan Hussein
    June 2026
    “
    Smart guy who knew what the h he was talking about. Would use again and will for sure refer people this way
    Noah P.
    Largo, FL · via Michael Nicholas Schneider
    February 2026
    “
    I am grateful to have a loan officer that made this transition (& dream) possible and run smoothly.
    Jovianna Maytee C.
    Port Richey, FL · via Mike Ray Reber
    December 2024
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    Our Branch

    The Carter Group

    American Financial Network · NMLS #237341

    Address
    7134 S Yale, STE 210
    Tulsa, OK 74136
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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