My name is Julie Carnes, and I am a dual-commissioned North Carolina and South Carolina Loan Signing Agent based in Lake Wylie, SC, serving the greater Charlotte metro area. With over 20 years of experience in mortgage, title, and real estate, I bring a deep understanding of the entire closing process to every appointment.

Throughout my career, I have worked as a licensed settlement officer, mortgage loan officer, and real estate agent. I am well versed in all major mortgage products, including conventional, FHA, VA, USDA, reverse, construction, non-QM, and DSCR loans. I focus on creating a smooth, professional, and courteous signing experience, and I have maintained a 100% completion rate across hundreds of closings by confidently addressing signer questions and concerns.

I use a high-quality mobile scanner to return documents from the field within two business hours and can hand-deliver signed packages the same business day upon request.