North Carolina's low rate, low cost mortgage leader since 1995
- Lowest Rates & Closing Costs in the Triangle and throughout North Carolina.
- We have closed over 28,000 mortgage loans for Triangle and North Carolina homeowners.
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Please feel free to check us out, as well as our competition, by clicking on the following links: Better Business Bureau and the North Carolina Commissioner of Banks.
We offer the lowest jumbo rates and closing costs in North Carolina!!!
Jumbo Rates
| Term | Rate | Origination Fee | APR |
| 30 Yr Fixed | 3.990% | 0.00 | 3.996% |
| 15 Yr Fixed | 3.500% | 0.00 | 3.567% |
| 5 Yr ARM | 3.250% | 0.00 | 4.434% |
| 7 Yr ARM | 3.500% | 0.00 | 4.556% |
| 10 Yr ARM | 3.750% | 0.00 | 4.514% |
Loan Amounts: $510,400 - $1,000,000. All posted interest rates (conforming and jumbo) assume single family, one unit, primary residence with no secondary financing and 740 minimum credit score.
Jumbo Maximum LTV is 75-80%, depending on program for above rate. Primary Residence only. LTVs 80-90% without mortgage insurance, vacation and investment property loans and loan amounts over $1,000,000 are available.
Please call or email for exact quote.
Conforming Rates Jan 17, 2020
| 30 Yr Fixed | 3.500% | 0.00 | 3.617% |
| 20 Yr Fixed | 3.250% | 0.00 | 3.305% |
| 15 Yr Fixed | 3.000% | 0.00 | 3.126% |
| 5/1 ARM | 3.500% | 0.00 | 4.512% |
| 7/1 ARM | 3.500% | 0.00 | 4.618% |
| 10/1 ARM | 3.625% | 0.00 | 4.684% |
| 30 Yr VA | 3.500% | 0.00 | 3.576% |
The above rates assume a 30 day rate lock loan amount of $165,000 -$510,400, a credit score of 740 and maximum 80% LTV with no secondary financing. Single family, one unit, primary residence. Assumes escrow for taxes and insurance. Closing costs for conforming rates posted above will vary from approximately 2,200 to 3,000 depending on the loan amount.