Finance Center
100% USDA Loans- A USDA Guaranteed Loan is Government insured 100% purchase loan.
Thousands of listings within the MLS qualify for 100% financing. Under the terms of the program, an individual or family may borrow up to 100% of the appraised value of the home, which eliminates the need for a down payment.
Lender Paid Closing Costs
Lender paid closing costs programs still exist, making it easier for the buyer to visualize coming to closing with a lower down payment, and securing an affordable mortgage for the purchase of your home. Government regulated lender fees include origination fees, discount points, administrative fees and the like.
State Specific Loan Programs
Did you know…
A 1% decrease in a buyer’s interest rate can increase your purchasing power by approximately $15,000? Crafting an offer with the seller buying down your rate will not only decrease your monthly mortgage payment, but can also greatly increase the loan amount you can qualify for.
The North Carolina Housing Finance Agency and South Carolina State Housing Finance & Development Authority are just one of many housing finance agencies across the country that offer a menu of mortgage assistance programs for today’s buyer. These mortgage assistance programs include:
• Down Payment Assistance Programs for Single Parents
• Down Payment Assistance for Individuals of Families with Disabilities
• $4,000 and $8,000 Down Payment Assistance Programs for First Time Homebuyers
• Reduced Interest Rate First Mortgage Programs
• Interest-free, Deferred Second Mortgages up to $8,000 for Down Payment Assistance
• Lower Monthly Payments with a State Mortgage Credit Certificate
Additionally, the HouseCharlotte program provides up to $7500.00 in down payment assistance for various neighborhoods within the Charlotte and surrounding areas.
Simple Prequals are now available.
Simply fill out the short information form below and receive a call back from a licensed loan officer within 24-48 hours. Receive up to date mortgage information and personal assistance to help guide you towards the best loan options for your home purchase.
