Conventional mortgages are the most common type of mortgage loan and include fixed-rate or adjustable rate options. A fixed-rate loan will provide you with the most stability, while adjustable rate loans might be an attractive option based on market conditions.
For homes that require a larger mortgage, we offer a variety of JUMBO mortgage products. Our JUMBO mortgage products include both fixed-rate and adjustable rate options.
USDA (UNITED STATES DEPARTMENT OF AGRICULTURE)
If your home is in a rural area and meets the eligibility standards, a USDA loan might be right for you. The USDA requires no down payment and you can finance 100% of your home’s value.
FHA (FEDERAL HOUSING ADMINISTRATION)
FHA loans can be fixed-rate or adjustable and typically require a lower down payment compared to a conventional mortgage because they are backed by the government Federal Housing Administration.
NCHFA (NORTH CAROLINA HOUSING FINANCE AGENCY)
NCHFA offers programs to assist North Carolina home buyers. Highlights of the program include competitive interest rates and down payment assistance for those that qualify.
VA (VETERAN'S AFFAIRS)
Another common government loan, a VA loan, is administered by the U.S. Department of Veteran Affairs. If you are a veteran or currently serving in the U.S. military, this loan may be your best option as they require no down payment and no private mortgage insurance (PMI).
Contact one of our mortgage experts to help you choose the mortgage loan that is right for you.
Loans are subject to credit approval and eligibility requirements.