Home Loan Options
Lock and Shop
Enjoy peace of mind while you look for a home with a 90-Day Lock & Shop interest rate guarantee.
How it works:
- Lock-in today’s low interest rates for 90 days.
- Shop for your new home.
- Finance your new home with the locked-in interest rate as long as you close within the 90-day lock period. If interest rates are lower than the locked rate at the time of the contract execution, a rate improvement may be available.
Resources
Mortgage Translations
Access a collection of commonly used mortgage documents translated into other languages. The collection includes resources such as a mortgage application, borrower education materials, a glossary of mortgage terms and more.
Mortgage loans are subject to credit approval. Product information is subject to change without notice.
Common features of our most popular mortgage loans include:
down payment of at least 5% | No Down Payment | LOWER CREDIT THRESHOLDS |
government-Backed | Special qualifiers | |
---|---|---|---|---|---|
Fixed Rate | ![]() |
||||
Adjustable Rate | ![]() |
||||
No Down Payment Mortgage1,2 |
|
![]() |
![]() |
![]() Maximum loan amount $350,0001,2
|
|
Jumbo |
![]() Requires 10% minimum down payment
|
||||
FHA | ![]() |
![]() |
![]() |
||
100% Physician Financing1 | ![]() |
![]() |
|||
VA |
![]() |
![]() |
![]() Current military member or veteran
|
||
USDA | ![]() |
![]() |
![]() Residence must be a rural area
|
||
NC Home Advantage | ![]() |
![]() |
![]() Annual income of $99,000 or less
|