Loan Options

To find the right loan, consider which of these statements best describes what you are looking for:

FIXED RATE loan

I want a predictable monthly mortgage payment that will not change. 


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Adjustable Rate loan

I am comfortable with my interest rate changing over time if I have a lower rate in the early years of the loan.
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NO DOWN PAYMENT MORTGAGE

I am buying a home for $200,000 or less and would like to finance the full purchase price.
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JUMBO loan

My loan amount will be more than $424,100 and my down payment will be at least 10% of the purchase price.

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95% JUMBO LOAN

My loan amount will be more than $424,100 and I would like to finance up to 95% of the purchase price.  

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100% PHYSICIAN FINANCING

I am a physician interested in up to 100% financing for my home purchase.

 

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USDA loan

My new home will be in a rural area.

 

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FHA loan

I am looking for flexible credit requirements with a low-down payment.

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VA loan

I am serving in the United States Armed Forces or am a veteran, reservist or member of the National Guard.

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NC Home Advantage loan 

I am purchasing a home in the state of North Carolina and my annual income is $87,500 or less.

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Mortgage loans are subject to credit approval. 

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 table checkmark



Adjustable Rate  table checkmark



No Down Payment Mortgage1

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Maximum loan amount $200,000
Jumbo 
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Requires 10% minimum down payment 




95% Jumbo Loan  table checkmark



FHA

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100% Physician Financing1 
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table checkmarkMaximum loan amount is $453,100
VA


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Current military member or veteran

USDA

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Residence must be a rural area
NC Home Advantage

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Annual income of $87,500 or less 
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Mortgage loans are subject to credit approval. 
 
1Based on the lesser of the sale price or appraised value. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consumers should consult their tax advisors for further information regarding the deductibility of interest and charges.