Home Loan Options

Once you’ve been pre-approved and placed an offer on a home, you’re ready to begin discussing financing options for your purchase. Part of putting our customers first is having a variety of loan options available and tailoring those options to the best of our ability to fit the unique needs of each scenario.

We think making home loans can be a very positive experience. Every bank offers mortgages. But for us, we make it more about you, and even retain and service most of our loans. That’s “You First” banking to us.

Conventional: Fixed Rate Mortgages
This is the most common type of mortgage loan available for purchasing or refinancing.
Conventional: Adjustable Rate Mortgages (ARMs)
ARMs are conventional loans featuring interest rates and mortgage payments that periodically adjust with market rates.
Government Loans
FHA (Federal Housing Administration), VA Loans (Veterans Affairs), NCHFA Loans (North Carolina Housing Finance Agency) and USDA Loans (United States Department of Agriculture).
Jumbo Loans
This loan is created primarily for large loans on higher priced properties.
Investment Properties
Perfect for those purchases intended to be used as rental property.
Second Homes
A loan for the purpose of purchasing, building, or refinancing beach, mountain, resort or other vacation homes.
Construction/Permanent Loans
This program allows a one-time closing for both the construction and permanent loan while protecting your interest rate until construction is complete.
Reverse Mortgage
This loan option is for senior citizens and allows you to borrow money against the value of your home and removes the need of making a mortgage payment.