25 years of experience. Personal guidance you can count on.

I’m Vincent Carrieri, owner, mortgage broker, and loan officer at Lendexa. I built Lendexa around the way I believe people should be treated: clear answers, honest comparisons, and careful preparation before you commit to a mortgage.

As an independent brokerage, we compare options across lenders and look closely at the details that can change your outcome. Whether you’re buying, refinancing, or helping a client make an offer, my job is to explain your options and help you make an informed decision.

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Vincent Carrieri, owner and mortgage broker at Lendexa Mortgage
Vincent CarrieriBroker / Owner
Local service. Statewide reach.

Your local mortgage broker, serving clients seamlessly statewide across North Carolina, South Carolina, and Florida.

Lendexa Mortgage is an independent mortgage brokerage based in the Charlotte area, helping homebuyers, homeowners, and Realtors throughout all three states. You do not need to live near our office to work directly with Vincent and our team.

Compare live mortgage rates online, explore payment and affordability scenarios, request a personalized Pro-Quote, and complete your application and document uploads through our secure online portal. We provide personal guidance by phone, text, and email and coordinate with your agent, lender, and closing team through the mortgage process.

Whether you are buying locally, relocating across state lines, or refinancing a home elsewhere in NC, SC, or FL, you get the same direct access, clear explanations, and attention to your financing. As a mortgage broker, we compare options across lenders and help arrange financing through the lender that fits your situation.

Talk through your mortgage options → Explore live mortgage rates →

My approach

What you can expect.

Understand the numbers before you commit

We walk through the payment, closing costs, cash needed, and tradeoffs. A personalized worksheet makes the conversation concrete, so you can compare options and ask better questions.

Do the detailed work early

We review income, credit, assets, and program requirements during pre-approval to identify concerns while there is time to address them. Before an offer, send us the property address so we can update the numbers and review the financing.

Explore first. Ask whenever you need us.

Our tools let you compare live mortgage rates customized to your scenario and download closing-cost PDF worksheets with itemized fees and estimated cash needed to close. When you want guidance, you can call, text, or email me directly. You do not need to know mortgage terminology to start a conversation.

Experience that looks beyond the first answer

If a scenario does not fit at first glance, we check the actual guidelines, eligible income, and available programs. Sometimes a different documented approach makes a difference. We explain what can work and what cannot.

Keep everyone informed

Buyers, homeowners, and their agents deserve timely updates. We communicate concerns, explain the next step, and stay involved through closing.

About Lendexa

Judgment, clarity, reliability.

You deserve to understand your mortgage, not just sign for it. We believe in transparent pricing, useful tools, and straightforward conversations—even when the answer is complicated. Technology helps you explore; experience helps us put the numbers in context.

A funny story about Vincent

The stories aren’t my only creative outlet. I make mortgage music, too. Meet The Mortgage Producer and hear our debut album →

A funny story about Vincent
In Vincent’s words

Vincent’s first day: “Who the heck is Fannie?”

On my first day in the mortgage business back in 2002, the office manager sat with me to walk through a loan application in our What happens during the mortgage application process? and run What’s the difference between pre-qualification and pre-approval?. I barely knew what a mortgage was. Overwhelmed is an understatement.

She was checking discrepancies and updating income and assets to match the documents. As she worked, she kept saying things like, “Fannie says this,” “Freddie won’t do that,” and “Fannie wouldn’t like this.”

I remember finally blurting out: “Who the heck is Fannie? Let’s just call her and tell her this guy clearly qualifies and wrap this up already!”

She burst out laughing. Then she explained Fannie Mae and Freddie Mac to me. There was no Fannie sitting in an office waiting for my call. And my first-day opinion that someone “clearly qualified” was not the same as a documented approval.

My first lesson in mortgage red tape

I hated the red tape then, and I still get frustrated when a process creates unnecessary obstacles for people. But years of working through difficult files taught me where the real requirements are, where judgment matters, and where a different documented approach may work.

I have watched opportunities fall apart over details that deserved a closer look. That experience made me determined to ask better questions, challenge assumptions, and use what I learned to help clients move forward.

Today, that means checking the actual guideline, correcting inaccurate information, evaluating eligible income combinations, and comparing programs or lenders when appropriate. It takes accurate documentation and a supported approach; experience does not replace the requirements or guarantee approval.

You should not need to learn the entire mortgage industry to buy a home. Explaining it—and looking carefully for your available options—that’s my job… and the reason Vincent is consistently a top 1% producer in the United States.

State Licenses

Licensed where you need us.

NCB-186863
SC1913848
FLMBR5152

Lendexa Mortgage LLC · Company NMLS ID #1913848

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Have a question?

Talk to Vincent.

Office833-234-RATE
Call / text704-974-1530
Text Vincent Email Vincent
Contact Lendexa

Get a direct answer.

No maze and no generic handoff. Call, text, or email Vincent Carrieri and Lendexa Mortgage.

Phone833-234-RATEEmailinfo@lendexa.com
Office227 W 4th Street
Office 123
Charlotte, NC 28202