We are substantially less expensive than the banks and credit unions. Call us for a 1 minute discussion about how low your rate can go. We pride ourselves on ZERO BBB Complaints and taking care of clients like family. Thank you for making's 2020 year our second best year in 15+ years. 

Posted by Andrew Walter May on January 5th, 2021 12:49 PM is focused on speed and super-low rates. We also have had 15+ years of ZERO BBB Complaints and December 2020 has proven to be our best month ever - with close to $8M in loans. Not bad for a small home-town mortgage company. Why do people choose over the big banks? Read our reviews on google. Basically, it's simple. Better customer service from a staff of trained, licensed and well educated/informed professionals - at a lower rate. It's that simple. Honesty, integrity and transparency are the way we've always run our company. We look forward to serving you. 919 771 3379. Andy May MLO 103418. NMLS 88010.

Posted by Andrew Walter May on December 21st, 2020 10:42 AM ( provides residential mortgages to the military (VA), conforming (Fannie/Freddie), and jumbo borrowers, as well as FHA and USDA residential borrowers. For 15+ years, since its inception, the company has been trusted to be transparent, be extraordinary in rates and costs, and most importantly, to be the consumer's fiduciary throughout the mortgage process.

This month begins its' 14th year of serving the North Carolina and Virginia markets without a single BBB complaint. In the mortgage industry, this is unheard of. How does do it? According to Andy May, owner, and licensed loan officer, "We simply do the right thing every single time. If it costs us more, that's fine. We respect our customers by not wasting their time and by telling our customers exactly what to expect every step of the way". 

A small family mortgage business can run with this intensity, trust, values, and transparency. Afterall, all 30 years fixed mortgages go to the US Government. The consumer needs the best cost proposition, which often times is not the bank or in-house unlicensed loan officer. Larger companies somehow lose the respect for the customer that is required, don't educate the people that work for them, and avoid the state laws and regulations by not getting a mortgage license in the state in which the entity operates. 

For a simple and easy discussion with no obligation, is happy to discuss financing needs and explain the process in transparent terms. Most clients spend under 10 minutes on the phone with and come away feeling a breath of fresh air, and 30+ years of mortgage experience for company loan officers. Trust, integrity, transparency, and most importantly, 13+ years of no BBB complaints making sure the consumer is happy with the process. That's what stands for. 

If the Real Estate Agent recommends an in-house person, give us a call and within minutes the consumer will see clearly why has the best price and service. "At we don't have clandestine deals with Realtors that cost the consumer a heck of a lot more". is owned by Andy May Group, LLC, and is a state-licensed mortgage company in North Carolina and Virginia since 2005 (NMLS #88010, MLO #103418). Since 2005 the company has received Zero BBB complaints and treats customers as family. Family owned and operated from Raleigh, North Carolina the company serves military (VA mortgages), Jumbo, conventional, FHA, USDA and other families looking to obtain the lowest financing costs available. competes on rate and service and is located at 8522 Six Forks Road, Suite 201, Raleigh, North Carolina 27615. Andy May may be reached at 919 771 3379.
Posted in:General
Posted by Andrew Walter May on August 24th, 2020 4:12 PM

1. Broker is a fiduciary (means they have to look out for your best interests);

2. Broker is a licensed loans officer and not someone with simply an NMLS ID. This is important, as banks are only required to have someone be 18 years old (they can even live outside the country).

3. Broker shops myriad (we shop about 8 companies) lenders, some are only good at VA loans, or FHA, or Fannie, or Jumbo. We shop companies and try to find the best deal we can - for you. Bank - usually offers one set of products. Credit unions usually out-source the 30 year fixed to brokers (think higher rates).

4. Brokers can tell you which lenders are "full" and are extremely slow. Some of the bigger banks can take up to 180 days to close your loan. That means you'll lose that rate-lock and you'll get a new rate. Brokers are a lot more transparent.

5. At we still have ZERO BBB complaints ever to date through the writing of this BLOG. We had one competitor get angry about this great reputation and they had someone call us (they didn't leave a name, number or email). They said they couldn't reach us, and that's our only complaint on the internet in the last 15+ years (someone, we don't know who - couldn't reach us, one time). So, with a locally owned mortgage company we take serving you as family seriously. Publicly traded banks with tens of thousands of employees usually can't match that. is your best option for cashout refinancing. We have ZERO BBB complaints ever to date. We recently (April 2020) closed a client at a rate of 3% (APR 3.2%). We treat you with respect and operate in Virginia and North Carolina. If you are looking for an honest, hard-working mortgage company that doesn't take advantage of the rate situation please give us a call. 

Andrew May


Andy May Group, LLC
919.771.3379 |

8522 Six Forks Road, Suite 201, Raleigh, NC 27615

Equal Housing Opportunity

Company NMLS: 88010 | Individual NMLS: MLO 103418

Zero BBB Complaints ever-to-date (15+ years).

Loans subject to approval.

Posted by Andrew Walter May on July 14th, 2020 3:25 PM

When I hear about these One-Stop shopping services it makes me cringe. Homeowners Insurance, title insurance, real estate sales, mortgage, life insurance, credit cards. Why not just get it all with one phone call. Simple answer. It costs about double when you get this wonderful "convenience" and it takes the same amount of time. It's just like when you sell your home to one of these companies (and there are dozens of them now) that promise to purchase your home for a fixed price. Then you find out why they do it. They make a ton from your thought that you are saving time. Simply lower your asking price on your property by $100k and you'll sell fast. When it's too good to be true, it is. Call at 919 771 3379 for quick and easy answers to your questions. 

Posted by Andrew Walter May on January 24th, 2020 4:27 PM

Just locked someone at a combined first and second rate of 4.03%....into a jumbo size combined mortgage. Both loans are fixed.  APR is under 4.75%. The first is $510,400 and the second is $48,000. Working with professional loan officers makes a real difference. We believe we saved this customer about $4,000 per year. Plus with credit repair we saved another $8k. Customers love Call us anytime 919 771 3379. 15+ years of ZERO BBB complaints.

Posted by Andrew Walter May on January 24th, 2020 4:15 PM

Last month was a good month for clients. Rates were as low as 3.25% (APR of 3.42%) on a cashout refinance and 3.5% (APR of 4.25%) on an FHA purchase. 30 year fixed of course, with rates this low the Adjustable Rate Market is actually higher. Contact ADRMortgage loan officers for a hassle free quote. Thank you for your business as we enter our 16th calendar year of no BBB complaints. February 2020 marks our 16th fiscal year of no BBB complaints ever. 

Posted by Andrew Walter May on January 7th, 2020 5:53 PM

Many investors guarantee free float-downs on rates. While these guarantees exist, they rarely are implemented (it's shady). We recently locked and closed two consumers at 3.625% (rates vary depending on borrower profile). Both were closed within the 45 day window of rate locking. At we also have a RapidRefi program that helps lock in the rate you want. If you are at 4.25% and want to lock at 3.5% - we can show you how. Call us to better understand what's real and what's fiction in the mortgage industry.

Also, SOFR is replacing LIBOR - SOFR is a synthetic treasury index that is harder for banks to manipulate. That's why LIBOR is no longer going to be used for mortgage ARMs (adjustables). The short term over-night market blew up this week, and the Feds pumped $90 billion to prop up this market (which is to say, investors hate uncertainty - and rates go up when there's uncertainty).

Longer term rates have risen by about 1/8th of a point over the last 30 days. I expect them to come back down another .25%. That equates to about 3.5% on a 30 year fixed with 25% down payment and excellent credit. All borrowers are priced according to their individual financial profile so these rates may become available in the fourth quarter. If you are waiting for these rates I suggest you have your application in (no charges from ADRMortgage unless we close you: You will have to pay for third party services such as an appraisal, if necessary). To give you perspective on rates - the 30 year fixed hit 3.25% as the lowest locked mortgage rate ADRMortgage ever did. Consumers sitting on the fence may be disappointed if rates track north next year.

Posted by Andrew Walter May on September 25th, 2019 6:56 PM

All 30 year fixed loans in the USA go to the federal government or require 100% capital support (meaning that the lender loses money on originating 30 year mortgages, which banks won't do). The consumer's goal is to deliver loans to the federal government through the least expensive channel found. That's where comes in. With low overhead, is the consumer's optimal option to achieve the best mortgage rates and service.

Here, develops a short and easy to understand down payment profile for each loan program. 

1. Fannie Mae - 3% down payment (times purchase price);

2. FHA - 3.5% down payment;

3. USDA and VA - 0% down payment.

In addition to the above down payments, consumers will be required to meet many other underwriting conditions. For example, most loans require at least 2 months of PITI (monthly payment if principal, interest, taxes and insurance) in reserves (checking account). For more information about qualifying for loans contact Andy May 919 771 3379 for a quick and simple conversation. NMLS 88010. NLMS LO 103418. Equal Opportunity Housing. Zero BBB complaints since 2005. Not one.

Posted by Andrew Walter May on August 13th, 2019 1:42 PM
Our track record of nearly 15 years without a BBB complaint is a start. Layer in the fact that we compete on rate and speed, only hire licensed loan officers (most companies don't), and care about your happiness confirms why you should choose ADR, your hometown mortgage broker. NMLS 88010.
Posted in:Mortgage and tagged: mortgage
Posted by Andrew Walter May on July 8th, 2019 3:25 PM


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