Securing a Mortgage for Your North Carolina Home with Central Mortgage Funding

North Carolina, affectionately known as the Tarheel State, is a tapestry of diverse geographical features, beloved landmarks, and exciting attractions. Its central Atlantic location is a dream for residents who love both mountain and beach lifestyles. From the stunning Blue Ridge Mountains in Wilkesboro to the beachfront communities like Elizabeth City, Greenville, New Bern, and the Outer Banks, North Carolina offers a scenic living experience. Additionally, its food scene is one of the most progressive and popular in the nation.

If you’re considering buying a home in North Carolina, start your mortgage application with Central Mortgage Funding today, and soon you’ll have a pre-approval letter in hand as you tour potential homes!

Already a homeowner in North Carolina? We’re also experts in mortgage refinancing.

North Carolina Mortgage Rates and Trends

National mortgage rates saw significant drops due to the COVID-19 pandemic, leading many Americans to benefit from reduced borrowing costs.

North Carolina’s mortgage rates have followed this trend, although they have begun to rise recently. However, rates remain low by historical standards. It’s a great time for a free mortgage review, regardless of when your mortgage was originally taken out. A lower rate could result in substantial monthly savings.

Factors such as your credit scores and debt-to-income ratio can impact mortgage rates. It’s essential to work with a lender who will tailor a loan program to your specific needs. Central Mortgage Funding offers a variety of North Carolina home mortgage options, including FHA, VA, Conventional, USDA, and more.

Down Payment Assistance

North Carolina home buyers may be eligible for down payment assistance. If you’re looking to purchase a home in North Carolina, let us help you understand the available options and grants*.

Be sure to inquire about:

  • Dream Makers Grant
  • Forgivable and non-forgivable second mortgages
  • First-time home buyer incentives
  • Closing cost assistance
  • Tax credits

*Note: The actual assistance amount may vary based on the purchase city, credit score, and other financial requirements. Down payment assistance programs are city and/or state initiatives, not funded by Central Mortgage Funding. A homebuyer education course may be required before applying.

Talk to our mortgage consultants about funding options today!

Refinancing Your Mortgage

Is your monthly mortgage payment or interest rate higher than you’d prefer? Are you struggling with high-interest debt? Or are you aiming to be mortgage-free sooner?

If these questions resonate with you, it’s time for a free mortgage review with our North Carolina mortgage consultants. Learn about the benefits of mortgage refinancing, which could lead to savings of up to $1,000 a month. Central Mortgage Funding offers flexible loan terms to meet your needs, starting at ten years.

Why Central Mortgage Funding?

As a national mortgage lender, Central Mortgage Funding is dedicated to making homeownership affordable. We offer competitive mortgage rates without any upfront fees. Our team of dedicated mortgage consultants works diligently to customize the right loan program for your financial goals. We’ve streamlined most of the lending process online, ensuring a quicker and more convenient experience.

We’re committed to more than just transactions. We’re always here to answer any post-closing mortgage-related questions and can assist with refinancing for better rates or cash-out options. We look forward to building a lifelong relationship with you!

Building Your Home Loan Together

To connect with a North Carolina mortgage consultant at Central Mortgage Funding, call (833) 302-1032. We specialize in customizing any loan in the industry to suit your needs, ensuring the best service, lowest rates, and fastest closings. Discover how simple the process of mortgage refinancing or purchasing a new home can be with us!

Central Mortgage Funding is an Equal Housing Lender; License #L-196983.

Ready to talk?

Are you unsure on the path you should take to home ownership? Our Loan Specialists are here to help you through the entire process. They will find you the best term, and rate to fit your budget!