North Carolina Mortgage Lenders and Rates (NC)

Everyone should be aware that finding the right mortgage and rate in North Carolina can save thousands of dollars. Mortgage-Info.us was created with that goal in mind. If you are looking for Lenders, Mortgage Rates, or Mortgage Brokers – we’ve got it. When you fill out our mortgage quote form, you’ll get offers from 2-4 different lenders, so they’ll be competing for your loan, saving you money.

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Featured Mortgage Lenders in North Carolina

North Carolina Mortgage Quick Facts

North Carolina State Population: 8,049,313*
Median North Carolina House Price: $108,300* 
Total North Carolina Housing Units: 
3,707,129* 
House Ownership Rate in North Carolina
: 69.4%*

Types of Mortgage Loans Available in North Carolina

• Fixed Rate Mortgage Loan
• Adjustable Rate Mortgage Loan
• Interest Only Mortgage loan
• LIBOR Mortgage Loan
• Cash Out Mortgage Loan
• Refinance Mortgage Loan
• Second Mortgage Loan
• Home Purchase Mortgage Loan
• Home Equity Loans
• Reverse Mortgage Loan
• Home Equity Line of Credit Mortgage Loan (HELOC) 
• Other Special Mortgage Loan

How Your Credit Score Affects Your Mortgage Rate

First, you’ll need to know what your current credit score is . You should compare that against the average North Carolina consumer credit score which is 683. And the national average credit score is 677. Your credit score impacts what your home mortgage rate will be. Historically home mortgage rates have varied from 5% to over 13%. Lenders create their home mortgage rates by using the Federal Discount Interest Rate and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, including your credit score.

North Carolina Mortgage State Laws:

Only in North Carolina

There is no mortgage tax. The Anti-Predatory Lending Law went into effect in North Carolina in 1999. It aims to protect consumers without creating a rise in interest rates. North Carolina is a role model for other state’s anti-predatory lending laws.

Foreclosure

Judicial and non-judicial foreclosures are practiced. Borrowers have right to redemption. Lenders may have a deficiency judgment.

Licensing

Mortgage brokers must have a license. Mortgage Brokers must complete eight hours of continuing education each year in order to renew their licenses.

NC Mortgage Fraud Office
White Collar Crime Supervisor
http://charlotte.fbi.gov/
400 South Tryon Street, Suite 900
Wachovia Bldg.
Charlotte, NC 28285-0001
Phone: (704) 337-9200

North Carolina Counties:

Alamance County, Alexander County, Alleghany County, Anson County, Ashe County, Avery County, Beaufort County, Bertie County, Bladen County, Brunswick County, Buncombe County, Burke County, Cabarrus County, Caldwell County, Camden County, Carteret County, Caswell County, Catawba County, Chatham County, Cherokee County, Chowan County, Clay County, Cleveland County, Columbus County, Craven County, Cumberland County, Currituck County, Dare County, Davidson County, Davie County, Duplin County, Durham County, Edgecombe County, Forsyth County, Franklin County, Gaston County, Gates County, Graham County, Granville County, Greene County, Guilford County, Halifax County, Harnett County, Haywood County, Henderson County, Hertford County, Hoke County, Hyde County, Iredell County, Jackson County, Johnston County, Jones County, Lee County, Lenoir County, Lincoln County, McDowell County, Macon County, Madison County, Martin County, Mecklenburg County, Mitchell County, Montgomery County, Moore County, Nash County, New Hanover County, Northampton County, Onslow County, Orange County, Pamlico County, Pasquotank County, Pender County, Perquimans County, Person County, Pitt County, Polk County, Randoplh County, Richmond County, Robeson County, Rockingham County, Rowan County, Rutherford County, Sampson County, Scotland County, Stanly County, Stokes County, Surry County, Swain County, Transylvania County, Tyrrell County, Union County, Vance County, Wake County, Warren County, Washington County, Watauga County, Wayne County, Wilkes County, Wilson County, Yadkin County, Yancey County

*Source
-US Census

This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

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