Home Loans In North Carolina
Purchase Your Home In North Carolina
Prepared to make that charming bungalow your own? Count on 1st Advantage Mortgage to assist you. Whether you’re a first-time homebuyer or an experienced buyer in the real estate market, we can process your North Carolina mortgage swiftly, bringing you closer to saying “home sweet home“.
North Carolina Mortgage Simplified
At 1st Advantage Mortgage, we’ve crafted our mortgage services to be more straightforward, quicker, and less daunting compared to the home financing choices offered by major banks. Our approach eliminates stress and streamlines the process, allowing for faster approval and quicker progress toward making an offer.
We’ve Got a Mortgage For You
Types of Mortgages For Homeowners in North Carolina
Not sure what type of Mortgage you need or what you qualify for? Take a look at the types of home loans we offer, and then get in touch to meet your Mortgage Expert.
Your Mortgage Expert is your personal resource through the loan process, providing guidance to ensure you find the best loan with the right payment options.
Designed for individuals seeking a more affordable initial monthly payment.
FHA 203k (Purchase & Renovation)
A loan² providing funding of up to $31,000 beyond the purchase price to cover remodeling or home repair expenses.
Manufactured Home Loan
Secure financing for mobile or manufactured homes through private lenders, utilizing FHA or VA Loan programs.
Chenoa Fund™ Loan
Down payment assistance program⁶ offering flexible options.
The timeless and traditional loan featuring low rates and flexible down payment options.
HUD Loan
A loan authorized by the FDA, providing low down payments and closing costs for eligible properties.
FHA 203(h) Disaster Relief Loan
Helping Home Buyers in North Carolina
Overwhelmed By Mortgage? Start Here.
Our team will guide you through the intricacies of the Advantage Mortgage , step by step and in chronological order. You won’t have to second-guess what comes next in your home buying journey.
Discover the feedback from our clients regarding the mortgage services we provide.
See for yourself why so many homeowners in the Carolinas choose 1st Advantage Mortgage for help finding the right mortgage
Frequently Asked Questions
North Carolina Mortgage FAQS
How does a mortgage work when buying a house?
A mortgage is a form of loan crafted to assist individuals and families in purchasing a house. To secure a mortgage, you submit a loan application to a mortgage lender. The lender assesses the amount they are willing to provide you based on factors such as your income, credit score, and other considerations. Upon mortgage approval, you gain the ability to buy a home. The repayment of the loan occurs over a span of 10-30 years through monthly mortgage payments, encompassing both the principal amount and accrued interest.
How do you qualify to buy a home?
How much of a mortgage can I get approved for?
What kind of credit score do you need to buy a house?
The credit score necessary to purchase a house varies based on the type of home loan you are seeking. Generally, the best home loan approvals are granted to individuals with a credit score of 500 or higher
Meet Our Mortgage Coaches
Finding The Right Mortgage Expert For You
The mortgage lending process can be an absolute nightmare. It typically includes a mountain of paperwork, lots of heart-wrenching rejections, and thousands of wasted dollars
No matter your financial situation – self-employed with a perfect FICO®* score or retired with less-than-perfect credit – our Virginia Mortgage Coaches will help you find the right home loan quickly and easily
No matter which type of home loan you choose, our NC & SC Mortgage Coaches will help you get it without the usual frustration.
Mortgage Lenders In North Carolina
As a mortgage lender deeply embedded in [location], 1st Advantage Mortgage is powered by locals. Our team members reside, work, and engage in the community of Old Dominion. They’re well-acquainted with the finest barbecue joints (just inquire), and they can share the most efficient shortcuts to evade highway traffic.
Being homeowners themselves, our team understands the challenges of the typical home lending process. This understanding propels their commitment to providing a distinctive experience. Unlike major banks, 1st Advantage Mortgage collaborates with home buyers to identify loan options tailored to their needs, not ours. Regardless of your financial situation, we’re here to assist you in acquiring that perfect home.
Eager to begin? Reach out to our North Carolina Mortgage Experts to connect with our team
That’s why we provide more than a dozen varieties of home mortgage loans – ensuring you have access to the loan that suits your needs. Whether it involves a type that accommodates a low credit score or supports a particular situation, we have the Mortgage option that aligns with your requirements…
Ready to get started? Call our North Carolina Mortgage Coaches at 704-343-8681 to schedule a consultation at your nearest 1st Advantage Mortgage location.
Legal information
² No -Down Payment Disclaimer: Closing costs and fees may still apply
³ Lending Disclaimer: Mortgage rates are subject to change and depend on the borrower(s) qualification. APR rate(s) quoted are based upon a (loan amount), (loan term, including whether fixed or ARM) year.
⁴ Refinancing Disclaimer: When refinancing your mortgage , you can typically reduce your monthly payment amount. However, your total finance charges may be greater over the life of your loan. Your 1st Advantage Mortgage loan professional will provide you with a comprehensive refinance comparison analysis to determine your total life loan savings.
⁵ VA Mortgage Disclaimer: VA home loan purchases offer options for a 0% down payment, no private mortgage insurance requirements, and competitive interest rates with specific qualification requirements. VA Interest Rate Reduction Loans (IRRRL) are exclusively for veterans with current VA loans – current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA cash-out refinances are available for veterans with or without current VA loans. Policies and guidelines may vary and are subject to individual borrower(s) qualifications. Program and lender overlays apply.
⁶ Down Payment Assistance Disclaimer: First-lien interest rates may be higher when using a DPA.
⁷ Pre-Approval Disclaimer: Pre-approvals are granted to clients who meet qualifying approval criteria and specific loan requirements at the time of application. Results may vary.
General Disclaimer: The content on this page has not been approved, reviewed, sponsored, or endorsed by any department or government agency.
NMLS® Consumer Access℠: https://nmlsconsumeraccess.org/
North Carolina Mortgage Broker License: B-217173
Florida Mortgage Broker License: MBR6689
