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Carole Ducote, (NMLS ID 176761)

Carole Ducote

Sales Manager | Sr. Loan Advisor

NMLS ID: 176761

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

1290 Main Street, Suite G

Daphne, AL 36526

About Carole Ducote

Buying a house means more than finding a place to live. It’s one of the biggest financial decisions you’ll ever make—but you don’t have to go at it alone.

 

As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for nearly every situation.

 

With over 30 years of experience in home lending, Flagstar knows what it takes to get you to closing as quickly and as smoothly as possible. I will keep you informed every step of the way to give you peace of mind about your new home.

 

Whether you are moving around the corner or across the country, you can rely on me as a trusted resource. I have a deep understanding of the local housing market, and I can originate loans in all 50 states. After you buy your home, contact me when it’s time to refinance, remodel, or buy a second home. And if you’re an investor, I can build a competitive mortgage to finance your investment properties.

 

Contact me today to get started.

Mortgage Specialization

  • Jumbo Loans

Languages Spoken

  • English

Client Testimonials

Hear what my previous clients have to say about my work.

Brittany L.
“Carole and her team worked SO hard on our behalf to make our dream come true! We worked through multiple issues, and Carole was always positive, lever-headed, and solution focused. We would highly recommend her!!”
Nancy H.
“I had no idea what to expect! Carole was very patient with my questions and explained everything perfectly. She updated us nearly every day. I wouldn’t recommend going through this process UNLESS it was with Carole.”
Suzanne K.
“It’s interesting to see and hear of others’ experiences with a lending officer, yet to experience it first hand . . . truly first class, with Carole. She was there and available every step of the way.”
Tristi W.
“Carole was absolutely wonderful!! I would definitely recommend them to anyone. They worked with us closely and always kept us informed. They were truly a blessing”
Dana B.
“7 months pregnant, I was worried about the stress the process would put me through, but she was able to get our loan processed quickly and efficiently! It was very little effort on our part, and she worked down to the wire so we could close quickly! ”
Michael P.
“She was always available to answer any questions we had and keep us informed throughout the entire process. I used my VA home loan and she was knowledgeable of the process and even waived some fees because of my veteran status! Give her and her teams call!”
Tim M.
“I had the pleasure of working with Carole on a recent refi, and I will say it was a pleasurable experience. I can without hesitation recommend Carole and/or Flagstar for all of your mortgage needs.”
Kristen P.
“Carole Ducote and her team, including Tracy Schruck, were phenomenal. Buying a home is always challenging and stressful. They kept me informed, and I loved the weekly updates. ”
Kevin M.
“Very kind, professional, and worked very hard to help get us into our new home... more than once actually!! Thank you so much for all your hard work!!”
Horace P.
“Carole did a great job! ”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Use left and right arrows to navigate between tabs.

STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Carole Ducote, (NMLS ID 176761)

Carole Ducote

Sales Manager | Sr. Loan Advisor

NMLS ID: 176761

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

1290 Main Street, Suite G

Daphne, AL 36526

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Carole Ducote, (NMLS ID 176761)

Carole Ducote

Sales Manager | Sr. Loan Advisor

NMLS ID: 176761