Cathy Lindsey, Mortgage Originator and REALTOR at Lendmire
Mortgage Originator · REALTOR®

Cathy Lindsey

NMLS# 2747915

Get Pre-Approved with Cathy
30-Second Start · No Commitment · Direct Line to Cathy

About Me

Be Admired.

As a North Carolina REALTOR® and Mortgage Originator, I strive to provide a streamlined experience from securing the loan to finding a home. I pride myself in being available and promptly calling, texting, or emailing my clients back. I promise to stay in communication throughout the loan process. I love being a part of the journey and I take pride in helping individuals turn their dream of homeownership into a reality.

Credentials

Background you can trust.

Licensing, dual expertise, and a brokerage network — the rare combination behind every loan we close.

01 · Licensing

Authorized to serve.

  • Mortgage Originator License North Carolina
  • DSCR Financing in 40 States Investor & business-purpose loans
  • NMLS# 2747915 Nationwide Multistate Licensing System

02 · Dual Expertise

Both sides of the deal.

  • NC REALTOR® Active real estate agent license
  • Mortgage Originator Loan structure & underwriting expertise
  • Streamlined Experience From finding the home to securing the loan

03 · Network

Brokerage advantage.

  • Multi-Lender Shopping Top wholesale lenders compete for your loan
  • Lendmire Brokerage Independent — not tied to one bank
  • Scotsman Guide Top Workplace Recognized 2025 & 2026

Mortgage Calculator

Run the numbers before you call.

See your estimated payment, total interest, and amortization across loan programs — then reach out when you’re ready to talk specifics.

Property Details

Qualify on rental cash flow.

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Indicative rate · varies by FICO, LTV, program
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DSCR Ratio
1.27
Qualifies · 1.00 +
0.001.002.00+
Loan Amount $320,000
Principal & Interest $2,237
Tax + Insurance + HOA $450
Monthly Cash Flow +$213
About DSCR Qualify the property, not you. No tax returns, no W-2s, no employment verification. The property’s rental income divided by its total monthly debt service must typically clear 1.00 to qualify — higher ratios unlock better pricing.
No tax returns. Close in an LLC. STR-friendly.
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Standard Financing

Backed by Fannie & Freddie.

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Indicative rate · varies by FICO, LTV, program
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Total Monthly Payment
$3,311
Includes principal, interest, tax, insurance & PMI.
Loan Amount $382,500
Principal & Interest $2,480
Property Tax $350
Homeowners Insurance $150
PMI Private Mortgage Insurance $159
About Conventional The most flexible loan type — pricing rewards strong credit. PMI applies under 20% down but drops off at 78% LTV automatically. HomeReady® and Home Possible® programs allow as little as 3% down for eligible first-time buyers.
The most flexible path to ownership.
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VA Benefit

Zero down, no PMI.

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Indicative rate · varies by lender, FICO, LTV
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Total Monthly Payment
$2,968
No PMI required on VA loans. Funding fee rolled into loan amount.
Base Loan Amount $400,000
VA Funding Fee Rolled Into Loan $8,600
Total Financed $408,600
Principal & Interest $2,516
Property Tax $300
Homeowners Insurance $150
About VA Loans A benefit earned through service. Zero down, no monthly mortgage insurance, competitive rates, and no prepayment penalty. Funding fee is financed into the loan and may be waived for veterans with service-connected disability ratings.
A benefit earned through service.
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Government-Backed

Your first door.

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Indicative rate · varies by lender, FICO, LTV
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Total Monthly Payment
$2,560
Includes MIP (FHA mortgage insurance) — UFMIP rolled into loan.
Base Loan Amount $313,625
UFMIP 1.75% Upfront · Financed $5,488
Total Financed $319,113
Principal & Interest $2,017
Monthly MIP 0.55% annual $146
Property Tax $250
Homeowners Insurance $125
About FHA Built for first-time buyers and borrowers who don’t fit the conventional box. Gift-friendly down payment and flexible DTI ratios. Mortgage insurance is required for the life of the loan in most cases.
Your first door is closer than you think.
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Why Work With Me

A different kind of mortgage experience.

Three things that set this process apart — from your first conversation to the day you close.

01 · My Approach

One person, both sides.

As a licensed NC REALTOR® and Mortgage Originator, I work both sides of your deal — helping you find the right home and structuring the right loan to buy it. No handoffs, no miscommunication. One person who sees the full picture from search to closing.

02 · The Lendmire Advantage

Multi-lender shopping.

Lendmire is a brokerage — we shop top wholesale lenders to find the best rate and structure for your profile. You don’t get one bank’s offer. You get the right one.

03 · Direct Access

Real human, not a call center.

You work with Cathy directly — from preapproval through closing. Same name on the email, same voice on the phone, same person at the closing table. Calls returned same-day, questions answered honestly, and a process that adapts to your timeline — not the other way around.

Client Experiences

What Lendmire clients are saying.

Cathy is committed to delivering the same caliber of experience our team is known for. Here’s what Lendmire clients are saying about working with us.

Get Started

Ready to get pre-approved with Cathy?

Start your application in about 30 seconds. Cathy will reach out personally to walk you through the next steps — no commitment required.

Get Pre-Approved with Cathy