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Welcome to Perennial Mortgage Group!

The experienced team at Perennial Mortgage Group is here to help you buy your dream home. They will help, advise, and do everything to get you into the home of your dreams.

How can Perennial Mortgage Group help?


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Our office is located in Raleigh, North Carolina and our primary focus is serving customers throughout North Carolina. However, we have the ability to handle mortgage transactions in many states. Our goal is to make the mortgage loan process as simple and worry-free as possible.

We pride ourselves in offering the highest level of honesty and customer service. We would appreciate the opportunity to serve your mortgage needs by presenting you with multiple loan options. You will make an educated decision and end up with a mortgage that is best for you!

Whether you want to purchase a home or refinance your existing mortgage, our purpose is to satisfy your needs. When purchasing a home there are many home loan options that are available. The most common are Conventional. With some of our government loan options, they can make owning a home easier and are a good alternative for some people. There is the FHA loan which can let you purchase a home for just 3.5%; they also offer an FHA 203K rehab loan option which has funds tied into the loan which can pay for repairs of a home that might require them.

If you are 1st time home buyer, it is one of the biggest specialties, since we have access to many different types of home loan options we can be creative and find a way to get you in a home. You will find that we have multiple terms on our conventional loans, one that is sure to meet your needs, all great rates. We offer Conventional, FHA, VA, USDA and Jumbo loans.

By putting you first, we assure a pleasurable transaction with no surprises at the end. Perennial Mortgage is proud to be an A+ BBB Accredited Business since 1997.

PLEASE GIVE US A CALL TODAY at (919) 848-4748
A five-minute phone call could save you thousands!


""We had the opportunity to work with Cayce and Perennial Mortgage when applying for a mortgage for our first home and then for a refinance. As first-time home buyers, we appreciated that Cayce provided guidance each step of the way. Furthermore, she found us a fantastic rate when refinancing our mortgage. She is incredibly thorough and responded quickly to all of our questions. We would definitely recommend her to our friends and family."
-Gabi and Brad G.

"Cayce has been a joy to work with throughout our refinance process. She worked tirelessly to make sure we got not only the best rates but also made the process simple and easy. We would highly recommend her to any of our friends looking for a mortgage or looking to refinance! "
-Steven S.

"Cayce makes the mortgage process easy. Her open communication style guides you through everything and ensures all your questions are answered. She is very detail oriented and you always know what you need to do during the process and never have to worry about scrambling at the last minute for paperwork or additional items. Simply put, the best choice you can make with your mortgage is to work with Cayce!" -
Steve H.

"Cayce was a big help as we figured-out what to do with our mortgage. A very bright and effective communicator. Plus, a pleasure to work with and a great attitude."
-Mark and Pat H.

"My wife and I had the pleasure of working with Ms. Cayce Connell when refinancing our home in Cary, NC. She was professional, comprehensive, and courteous. She handled the refinancing process ‘cradle to grave’ and provided updates along the way. Her communication skills were excellent and timely.

Cayce followed up after the closing to ensure everything went as planned. When rates continued to drop she reached out to determine our interest in refinancing for a lower rate.

As an aside Cayce continued to communicate via email on a routine basis providing helpful hints for maximizing property value and living a healthy lifestyle. I found these quite interesting and enjoyable to read."

-Jim T.

"I would like to take this opportunity to thank you for your professional and caring service over the last 10 years. Your advice and effort to secure the most reasonable mortgage options for me has been invaluable. Your service has meant more than you know. Thank you very much."
-Ruth B.

"I had a great experience – and Cayce was able to get me a great rate for refinancing my home."
-Sharyn G

"I've known Cayce indirectly for several years now, but I've only recently had the pleasure of working with her. My mother is a real estate agent and many of her clients have gone through Cayce for their mortgages. By the time I was ready to buy a house, Cayce seemed like the obvious choice to help me finance. I could not be happier with my decision! She has been next to me every step of the way, acting as my advocate and always making sure thatI I understand every form I sign. She responds to my questions quickly, and is constantly looking for ways to help (such as contacting me when I was eligible to refinance my loan). Cayce is a fantastic mortgage broker and a wonderful person, and I wholeheartedly recommend her to anyone looking to purchase a home."
-Ryan M.

"We called two lending agencies prior to calling Cayce. We asked questions but were told that by the first bank thatwe would have to send a check for the appraisal feebefore they could give us details about the loan process. Another agencysend a long and complex application with no guidance. We were feeling frustrated and disappointed that no one wanted to talk with us about our "small" loan of $100,000. Cayce gave us clear guidance and suggestions that saved us money. There were bumps in the road but Cayce remained calm and reassuring. We are very pleased with all that Cayce did for us and would definitely go to her in the future."

-Wiley and Pam G.


"Cayce at Perennial Mortgage has been a pleasure to work with on the two occasions that my wife and I have refinanced. She is very polite, thorough, and detailed oriented. She explained the entire process in a manner that was easy to understand and made it a smooth and stress free process."
-Brock B.

"Cayce was extremely knowledgeable and efficient. We were working with a tight time frame and she made sure everything went smoothly. She kept us updated throughout the process. We were moving from Michigan so everything was handled on the phone or through over night delivery. I would definitely call Cayce for any future financing needs!"
-Ann and Steve A.

"We have re-financed a couple of times with Cayce because she is very creative in determining what the right mortgage is that fits your goals and financial situation. She is also extremely thorough and organized which makes the process go very smoothly and doesn’t require a lot of personal time. I have recommended Cayce to many of my co-workers and friends and will certainly call on her again."
-Paula H.

"My husband and I have worked with Cayce on two refinances (one on our old house and one on our new), as well as on the sale of our old house and the purchase of our new one. She is a pleasure to work with because she is so organzied and on top of things. She contacted us out of the blue about 9 months after we moved into our new house (which was last February), and told us that we could refinance our mortgage for a much lower rate. It saved us a lot of money, and even put a few thousand dollars back into our pocket! We are very grateful to Cayce for all she has done, and would definitely work with her again if the opportunity arises. I would definitely recommend her to friends."
-Leslie S. 

"My wife and I have recently completed two awesome transactions with Cayce and her team at Perennial Mortgage Group. We w…ere referred to Cayce by our Realtor, Michele Burris after having some questionable interactions with one of the mega-banks.
From the first call to Cayce, I knew we had made the right decision to call. She took the time to answer every single one of my questions until I was comfortable and no longer had questions about the upcoming process that was a first for both my wife and me.
Perennial's personal touch is what made us go back to do our recent refinance. Cayce is an incredible source of knowledge and was always there for me when I had what seemed like the most amateur and trivial questions. All of my questions and concerns were always answered promptly and in a way that I felt like I was really learning how the process went, not just along for the ride.
It will probably be a couple years before my wife and I are ready for our next home but we won't be picking up the phone to call anyone else. Cayce has earned our business, not once, but twice; and the decision to call her when it's time for round 3 will be an easy one to say the least.
Thanks to the whole Perennial Mortgage Team for two fantastic, simple, low stress and on-time experiences. You all rock!!"

-Matt S.

"We financed our home in Cary NC 2 years ago. We have not retired yet, so we were doing all the paperwork from Ohio. Cayce was great to work with, very knowledgeable and really easy to get a hold of. We were always able to get answers promptly thru e-mails and phone calls. Cayce was able to get us a great interest rate and the closing cost were very low. My wife and I would highly recommend Cayce."
-Frank C.

 "Cayce at perennial mortgage group went above and beyond to help me secure a loan for my home a few years ago. I would definitely recommend them to anyone."
-Valerie Lynn T.

"Cayce made my refinance and Heloc process totally easy. She took care of all the details and kept me informed of how everything was going. Before I knew it, I was closing. She is detail oriented and provides great customer service. I would highly recommend Cayce and Perennial for your next purchase or refinance."

-Barbara T.

"Cayce was all, and more, I could have asked for – timely, caring, professional, efficient.  I really felt as if I had someone on my side throughout the whole process.  She goes above and beyond and I felt so lucky to have her.  You will feel like you are working with someone that truly cares about you when you use Cayce and Perennial."

-Lisa C.

"Cayce is an outstanding mortgage broker. I’ve worked with Cayce on multiple mortgage issues and have been nothing short of impressed. She is extremely responsive, knowledgeable, and walks you through the process in an efficient manner. She takes the time to answer your questions and leaves you at the end of the process feeling as if you have made the best decision for your mortgage."

-Steven H.

"We used Cayce to purchase our 2nd home and the experience was exceptional. I cannot say enough good things about her and her group, Cayce worked tirelessly to make sure we closed on time. She kept us informed of every situation and was always available to answer all my questions. She was so down to earth, is was like talking to an old friend, she made me feel comfortable throughout the entire process and I would use her over and over again."

-Tonia K.