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North Carolina Mortgage Lenders

North Carolina

Looking to buy a home? You should consider your options for mortgages. We’re happy to help you determine the best way to finance your purchase.

When you’re ready to refinance, we’ve got your back every step of the way. Our mortgage refinancing company can show you how to lower your monthly payments, take advantage of your equity, or change to terms that better suit your life.

Here's a comprehensive look at our most popular loan options

FHA Loans

Homeownership is an option everyone should be able to consider. FHA loans have government insurance, so that borrowers with modest income and credit scores have a better chance of qualifying for a mortgage.

VA Loans

Military veterans can get the benefits of VA loans. A VA home loan, designed for veterans looking to buy a home, offers advantages like 100% financing, no requirement for private mortgage insurance, and competitive closing costs.

Fixed Rate Loans

If you need the convenience of a predictable monthly payment, fixed rate loans may be ideal. These loans have a set interest rate for the life of the loan, so you can feel free to plan ahead.

Adjustable Rate Loans

When you need a lower introductory interest rate, or you simply don’t know how long you plan to live in the home, adjustable rate loans can be a great choice. These loans have a set interest rate for a certain number of years, then the rate fluctuates on a schedule.

USDA Loans

Building or buying a home in a rural area may be more complicated, but USDA loans can help. A USDA loan offers low closing costs and no down payments for qualified buyers in certain regions.

Jumbo Loans

When the cost of housing far exceeds the limits for conforming loans, jumbo loans can be the perfect alternative. Jumbo loans may call for a larger down payment and other requirements, but they make it easier to buy homes in high-cost areas.

New Construction Loans

If you’re planning to build your dream home, you need financing to provide the funds at the right time. Our new construction loans simplify the lending process, so you can build or renovate, then convert to a mortgage.

Renovation Loans

Taking a fixer-upper and making it an ideal home takes the right financing plan. Our renovation loans include construction financing, an FHA 203(K) loan, and more.

How to Qualify for a Mortgage in North Carolina

In order to qualify for a mortgage in North Carolina, you’ll need to gather some financial information. Our mortgage brokerage company looks at your income, debts, assets, and credit to paint a picture of your creditworthiness. To simplify the process, it’s a good idea to gather the following:

  • Recent paystubs
  • Last two years of tax forms
  • Current debts, including monthly payment amounts

Once you submit all the documents, you can get more information about your qualifications.

Benefits of North Carolina Home Ownership

Owning a home in North Carolina gives you more control over your living space and your financial future. Once you own a home, you have the ability to grow your investment. You earn equity as the home appreciates in value, and as you pay off your mortgage.

Choose The Sherry Riano Team for Your Mortgage

At The Sherry Riano Team, our mortgage loan originator works to make your life easier. Our team provides you with decades of expertise, to ensure that you get the mortgage that is best for your financial plans. If you want the mortgage lenders North Carolina trusts, you’ve come to the right place.