Chapel Hill, NC, Mortgage Lenders
When you need a loan to buy a home, you want experienced mortgage lenders in Chapel Hill, NC. We provide convenient financing options, whether you’re purchasing a home with a first-time homebuyer loan or you’re looking to get better loan terms by refinancing your existing mortgage. We streamline the financing process, so you have more time to find the perfect home.
Sometimes your dream home isn’t quite complete yet, which is a great time for our renovation loans. Consider an FHA 203(K) loan, which allows you to roll the price of the property and upgrades into one mortgage.
New construction loans
Building your own home is a big project, and our new construction loans make the perfect financing for it. These loans simplify the process of getting the funding you need, with the ability to turn it into a traditional mortgage.
If you can meet a few stricter terms, jumbo loans can help you buy the best homes. These loans require higher incomes and down payments in exchange for a higher loan amount.
As a USDA home loan lender, we think that our USDA loans are perfect for rural buyers. You can get a mortgage with limited closing costs and 100% financing.
Fixed rate loans
Homeownership offers stability, and our fixed rate loans cinch it for you. With a predictable amount for principal and interest, you don’t have to worry about unexpected rate changes during the life of the loan.
Adjustable rate loans
When you aren’t sure of your future plans, our adjustable rate loans can give you a little extra flexibility. You can lower your initial rate for a set term, then decide if you want to refinance, sell, or hold.
Buying a home is a big purchase, which is why we offer FHA loans for buyers with moderate income and credit. We’re happy to show you how these loans can simplify your path to homeownership.
Being a veteran or an active service member has its rewards. Our VA loans are tailored to your needs, providing the ability to buy a home with 100% financing and no private mortgage insurance.
Mortgage Qualifications in Chapel Hill
Before we can explore your mortgage options, we need a few pieces of information to process your application. Typically, you can expect to provide documents about your financial life, including:
- Last two years of tax returns
- Most recent paystubs for each applicant
- Monthly payments for existing debts
Once we have everything we need, we can help you sort out your choices and make a decision that works toward your financial goals.
Reasons to Own a Home in Chapel Hill
If you’re considering your options for homes in North Carolina, there are plenty of reasons to start with mortgage lenders in Chapel Hill, NC. The excellent services available in the city are outmatched only by the stunning scenery and fascinating history of the region. As a homeowner, you get to enjoy all of these benefits, plus the ability to reap the rewards of your investment over time.
Get Expert Help With The Sherry Riano Team
Because applying for a mortgage is one of the biggest financial decisions you can make as a consumer, you deserve experts to assist you. As a mortgage loan originator, we can help you consider a variety of loan options and select the one that works best for you. Our team has years of experience working with homebuyers. We can help simplify and remove stress from the buying process.