North Carolina Mortgage Broker
Let's find a loan that's right for you!

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Whether you are buying your first home, finding a new home or looking to refinance, our experienced staff and streamlined process will deliver a stress-free home loan that will check all of the boxes.

North Carolina Mortgage Broker for over 25 years.

As a wholesale North Carolina mortgage broker, we have access to over 100 banks and lenders offering a wide range of loan programs and rates.  This allows us to deliver the home loan you need, when you need it, and at a price you can afford.

Loan Options to Fit Every Need

First Time Home Buyer

Popular loan programs for first time home buyers.

Jumbo

Offer maximum flexibility for home financing for larger loans.

USDA

Zero down payment loan in certain rural and suburban areas.

DSCR

No personal income loans for real estate investors.

Down Payment Assistance

Multiple options available to cover your down payment.

FHA

A low down payment loan popular with first time home buyers.

HELOC

Home Equity Lines of Credit are a great way to consolidate debt or renovate.

Bank Statement

Popular loan programs for self-employed home buyers.

Conventional

A conventional loan is the most standard and widely available type of mortgage.

VA

Zero down loan for Veterans and active military.

Reverse

Loans for homeowners ages 62 and older to borrow against their home’s equity.

Non-Warrantable Condo

Loans for condo’s that don’t meet conventional guidelines.

Get Your Custom North Carolina Rate Quote

See your rate and closing cost options here for FREE!

Shop Rates & Closing Cost based on your unique info
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Pick a program that works best for your situation
Pick a program that works best for your situation

North Carolina Mortgage Calculator

Whether you are looking to purchase or refinance, use our North Carolina mortgage calculator to get an idea of your monthly payment by adjusting the interest rate, down payment, and home price.  Run scenarios, check affordability, debt-to-income ratios, and cash flow analysis for investors.

Calculator

Affordability Calculator

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

What is most important to you?

Current Loan

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Mortgage Amount

Enter the amount of the actual mortgage after down payment.

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Interest Rate

Enter the interest rate of the original Mortgage.

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Loan Term

Enter the number of years of your original Mortgage.

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Mortgage Start Date

Choose the month and year your original mortgage started.

New Loan

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Mortgage Amount

Enter your current mortgage balance.

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Cash Out Amount

Enter the amount of Cash Out you are taking on your new mortgage.

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Refinancce Costs

Enter the amount of fixed refinance costs (Points/Fees).

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New Loan Amount

The new loan amount after cash out and refinance costs.

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Interest Rate

Enter the current Market Rate.

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Loan Term

Enter the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the new mortgage will start.

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Include Refinance Costs

Will Refinance costs be included in the new loan?

informationMortgage Information

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Home Price

Enter the amount of the home's value.

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Down Payment

Enter the amount or percentage of the down payment.

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Mortgage Amount

Enter the amount of the actual mortgage after down payment.

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Interest Rate

Enter the current Market Rate.

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Loan Term

Choose the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the mortgage will start.

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PMI Rate

Private Mortgage Insurance (PMI) protects the lender from losing money if you default on the loan. Most mortgages with a down payment of less than 20% require PMI. his is an estimate based on the details above. PMI can vary significantly based on several factors.

Optional Information

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Home Insurance

Enter the annual amount of insurance.

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Annual Tax Amount

Enter the annual tax amount.

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HOA Dues

Enter the annual HOA dues.

informationBuying Assumptions

informationRenting Assumptions