About Luke Jones
Luke Jones is a dedicated mortgage professional helping homebuyers, homeowners, and real estate professionals throughout Garner, Raleigh, the Triangle, and surrounding North Carolina communities achieve their homeownership goals. As Vice President of Mortgage Lending, Luke is passionate about making the mortgage process approachable, educational, and successful for every client. Luke has a special passion for helping first-time homebuyers navigate one of the biggest financial decisions of their lives. He believes that informed buyers make confident buyers, which is why he takes the time to explain loan options, answer questions, and provide personalized mortgage strategies that align with each client's financial goals. Whether purchasing a first home, moving to a new home, or refinancing, Luke is committed to delivering a smooth and stress-free lending experience. Serving the competitive Raleigh and Triangle real estate market, Luke offers expertise in conventional, FHA, VA, USDA, jumbo, and refinance loan programs. His knowledge of the local housing market allows him to help clients make informed decisions while navigating today's evolving mortgage landscape. Luke is equally committed to supporting real estate professionals throughout North Carolina. He partners with agents to provide valuable mortgage expertise, responsive communication, and innovative marketing support that helps grow their business. From co-branded social media content and educational resources to open house support and collaborative marketing opportunities, Luke believes strong partnerships lead to better outcomes for buyers and agents alike. Known for his accessibility, proactive communication, and client-first mindset, Luke strives to build lasting relationships that continue well beyond the closing table. His mission is simple: help more families achieve homeownership while becoming a trusted resource for clients and referral partners across the Triangle. If you're buying, refinancing, or investing in real estate in Garner, Raleigh, Cary, Apex, Holly Springs, or anywhere throughout the Triangle, Luke Jones is ready to help you move forward with confidence. *Certainty Home Lending has no affiliation with any government agency. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*
We can make it happen!
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Certainty Home Lending, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Certainty Home Lending, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Certainty Home Lending, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Certainty Home Lending, LLC. Certainty Home Lending, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 3440 Toringdon Way, Suite 205 Off 214 Charlotte NC, 28277