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Ben McElroy

Ben McElroy

VP of Mortgage Lending · NMLS# 1253988

Raleigh, NC5.0(35 reviews)

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Benjamin McElroy at Certainty Home Lending

Today · 8:30 AM – 6 PM

4801 Glenwood AveSuite 200 Office 21Raleigh, NC 27612
Rating5.035 reviews
Satisfied100%42 reviews

Ratings include all 42 reviews. Reviews collected directly from clients are shown only with their permission.

Ben & Jennifer were great to work with and very helpful. The communication was great. I highly recommend Certainty Home Lending.

William O.View on Google

We had the honor of working with Ben McElroy for our home buying process. I cannot say high enough praises on working with Ben. He made the process easy, was always available to answer my questions, and explained things anytime I was confused or unclear in a great way for me to understand as a first time home buyer. Working with Ben felt like working with family, someone that had your best interest first and cared about helping us get into our dream home. I cannot recommend him more!

Savanah S.

Very professional and details . I love the team who helped and supported me every details .

Cuthbert R.

Ben and his team were amazing! They were very informative and sent lots of reminders of what was needed. They made this stressful time in our lives much more streamlined and calm. Highly recommend!!

Colleen T.View on Google

Refinancing and home lending has been a varied experience for me. This is the first time I felt truly cared for and walked with from start to finish. Couldn't recommend more. This team will take care of you!

Michael U.View on Google

Ben was absolutely fantastic to work with throughout our loan process. From start to finish, his response time was incredibly fast, and he was always available to answer any questions we had. He’s not only highly knowledgeable but also genuinely friendly and easy to talk to, which made the entire experience feel smooth and stress-free. What really stood out was how much he went above and beyond to meet our needs—he took the time to make sure we understood every step and worked hard to get us approved. You can tell he truly cares about his clients and isn’t just going through the motions. If you’re looking for someone who is professional, responsive, and genuinely invested in helping you succeed, Ben is the one to go with. Highly recommend!

Nathan J.View on Google

Ben has been super helpful finding us our dream home! 100% recommended to anyone! Great communication style, market knowledge and very professional.

Ben McElroy with Cornerstone Home Lending was outstanding from start to finish helping my clients finance their new construction home. From the client side, Ben made everything feel simple and stress-free—he answered questions within hours, explained mortgage terms in plain English, and was genuinely available in the evenings and on weekends (which mattered a ton during a build timeline). From the agent side, his communication was consistent, proactive, and easy to rely on. He even went above the asking price to help secure the best financing outcome and keep the deal moving smoothly. If you want a loan officer who’s responsive, clear, and rock-solid dependable, Ben is the one to call.

Martina E.View on Google

Ben and his team were fantastic! I will always come back and recommend Ben! Thank you so much!!

Francis O.View on Facebook

Ben is truly the best. He is honest and will work incredibly hard behind the scenes to make sure his clients have the best experience. He gets loans closed and is incredibly knowledgeable about different programs and industry standards. He is kind, clear, and will always shoot you straight. When making such a big financial commitment, you want someone you can truly trust on your side. Ben’s character and work ethic make him a standout loan officer.

My experience with Ben was nothing short of amazing! Even while awaiting the arrival of his son he took care of me. He was honest and upfront. He made no promises and did exactly what he said. He even sent pizza out for my family the day we closed. I would definitely send my people to him. He made my dream come true. Thanks To Ben and his team.

Response from Ben McElroy, Mortgage Advisor, NMLS 1253988

Thanks Latoya! It was a privilege to help you achieve your goals. I thoroughly enjoyed working with you! If you know anyone thinking about buying and them my way!

Although a tough process, Ben and team were very effective in communicating and staying on top of everything. It was a pleasure working with them!

Working with Ben McElroy is always a pleasure. His commitment to excellence, knowledge, and client-focused model make him a wonderful fit to send my clients to. I always know my clients will be in good hands. Cannot speak highly enough of Ben!

Nicole A.View on Google

Ben is very knowledgeable and always responds promptly. I will send more referrals for sure!

Ben is such a kind person and super honest with all his borrowers. Truly next level care.

Ben was very communicative and professional. He was also an excellent teacher, explaining an unfamiliar subject in a way that was easy for me to understand. Thanks to his input, I was able to make informed decisions about my loan. I would highly recommend him to family and friends.

Alexis T.View on Google

Ben was very helpful in making our first time home buying process go smoothly. Always there to answer any questions and help point us in the right direction. Ben and his team are very Profesional and knowledgeable in the mortgage field

Andrew K.View on Google

Ben did a great job! He is very easy to work with and is able to communicate difficult concepts in an easy to understand way. He went above and beyond to make sure we were able to close. I highly recommend him!!

Ben will go beyond your expectations to help you get the best deal possible. His honesty and character make him someone you can count on. I highly recommend him to you!

5 Stars is not enough! 100 out of 10!! I had the immense privilege of working with Ben McElroy and his team, and they have truly set a new standard of excellence. From the very first interaction, their communication was clear, prompt, and thorough, ensuring all of my questions were answered and my concerns addressed. What truly stood out was their compassion, patience, and professionalism, especially when navigating some challenging situations with me as a client. They never wavered in their commitment to understanding my needs and offering informed, thoughtful guidance every step of the way. As a realtor, I cannot stress enough how crucial it is to partner with an outstanding lender like Ben. In this business, a great lender can truly make or break a deal. His ability to handle complexities, work within tight timelines, and maintain clear communication can mean the difference between closing a deal successfully or facing unnecessary delays, or even loosing the deal altogether. Ben and his team consistently demonstrated the kind of expertise and dedication that not only reassure clients but also helps realtors like me deliver an exceptional experience. Ben and his team have raised the bar for what I expect from a lending partner. Their combination of expertise, customer service, and genuine compassion is rare, and I would recommend them without hesitation. If you are looking for a lender who goes above and beyond to ensure success, look no further. They are truly in a class of their own!

Ben and his team give you confidence that they will get it done for you. Easy to talk to and always available. Ben seems like he is on a mission to get you in your house. Thank you

Ben has exceptional knowledge of the mortgage business. He provides expert guidance, making the entire process smooth and stress free. I highly recommend Ben for your mortgage needs!

Ben's a great Loan Officer. He takes great care of his clients and does a great job following up!

A great experience with a mortgage typically involves clear communication, a smooth process, and a sense of trust and support throughout the journey. Here's why someone might describe their mortgage experience as great: 1. **Clear Communication**: The lender or mortgage broker explains the process thoroughly, answering questions promptly and making sure the borrower understands every step. 2. **Competitive Rates**: The borrower was able to secure a good interest rate, which can save a lot of money over the life of the loan. 3. **Efficient Process**: The paperwork and approval process moved quickly, without unnecessary delays. There were no surprises, and everything was processed smoothly. 4. **Personalized Service**: The lender took the time to understand the borrower’s needs and tailored the mortgage to their specific financial situation. 5. **Transparency**: The borrower felt fully informed about the terms, fees, and any potential challenges that could arise. 6. **Supportive Team**: The mortgage team was supportive, helpful, and proactive in solving any issues that came up. If you are looking for a great mortgage experience, these are some key factors that can make the process feel seamless and satisfying.

Phillip S.View on Google

Ben is awesome. He goes well out of his way to ensure his clients feel well informed and have every good option in their pocket. He is quick, diligent, and detail oriented. I trust his guidance through and through and look forward to working with him again in the future!

Karina N.View on Google

Professional customer centric focus made the mortgage process painless and informative.

Carlton S.View on Google

Ben did a good job for me buying my 9th property.

Dennis C.View on Google

Ben's expertise made for a smooth transaction from start to finish. I highly recommend Ben because he will find the best loan options for your client's home purchase needs even when those circumstances change during the buying process. Thank you, Ben!

Ben was extremely helpful throughout the purchase of my home. As a busy teacher trying to buy a home in this challenging market, Ben listened closely to what I could do financially and made it happen. Ben stayed in touch and helped me stay on top of the paperwork. I could not have made it through the process so smoothly without his guidance. Ben is the best!

Blythe H.View on Google

Ben was available throught the entire process for any questions I had. So grateful for him and his team to provide the knowledge and support I needed to get my first home!!!

Cassandra C.View on Google

Ben went above and beyond to make sure my client was fully qualified for her first home. He secured her offer in a multiple offer situation because he answered the phone, reassured the agent of her qualification, and instilled confidence in the sellers. He also communicated consistently throughout the entire process and even found a way to save my client thousands of dollars in closing costs by continuously seeking options to provide her with the best financial foundation possible on her new home. I cannot recommend Ben enough and will absolutely be recommending him to future clients!

Madison W.View on Google

Super smooth closing and less expensive closing costs than the other companies I contacted

Shanna C.View on Google

Ben was great to work with, Anytime I had a question no matter the time or day he was there to answer it. We appreciate you helping us getting our first home and we definitely recommend Ben if you're thinking about buying a home for the first time.

Ben was awsome to work with from start to finish through the loan application process. He is a great communicator always responded in a timely manner and consistently checked in to see how everything was going. I would Absolutley recommend him to any first time homebuyer. Thanks for all of the help in getting me in to my first home!

nicholas G.View on Google

Ben will get the job done for whatever your needs are, and if he questions the possibility, he brings it to your attention by communicating the best way to go about it. Ben is a safe bet when it comes to mortgages 💪

Equal Housing LenderEQUAL HOUSINGLENDER
© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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