Purchase
Find the loan that actually fits your situation.
There is no single best mortgage — the right one depends on your credit, your savings and how long you plan to stay. Here is what each program does well, and where it costs you.
Loan programs
Conventional loans
Buyers with decent credit who want mortgage insurance that eventually goes away.
Instant quoteFHA loans
Buyers with lower credit scores, limited savings, or a higher debt-to-income ratio.
Instant quoteVA loans
Veterans, active-duty service members, National Guard and Reserve members, and eligible surviving spouses.
Quoted by phoneUSDA loans
Buyers with modest incomes purchasing outside the denser parts of the Triangle.
Quoted by phoneJumbo loans
Buyers of higher-priced Triangle homes, above the conforming limit for the county.
Quoted by phoneFirst-time buyer loans
Anyone buying their first home, or returning to ownership after three or more years of renting.
Instant quoteMortgages for self-employed borrowers
Business owners with 25% or more ownership, independent contractors paid on 1099, freelancers, and anyone whose income arrives through a Schedule C, K-1 or corporate return.
Instant quoteHow buying works with us
Get a rate quote
Two minutes, no credit pull, no contact details. You see real options rather than a teaser rate.
Get pre-approved
We verify income and credit so your offer carries weight with a seller. This is where the credit check happens, with your permission.
Find the house
Your agent negotiates. We stay available for updated numbers on any property you are seriously considering.
Close
We shop the loan across wholesale lenders, manage underwriting, and keep you updated through to closing day.
Questions buyers ask us
How much do I need for a down payment in North Carolina?
Less than most people expect. Conventional loans start at 3% down for qualifying first-time buyers, FHA at 3.5%, and both VA and USDA allow no down payment for those who qualify. On many programs the entire down payment can also come from an eligible gift, which matters if you have steady income but limited savings.
Which loan program is best for a first-time buyer?
There is no single answer, because it turns on your credit score, savings and debt-to-income ratio. Conventional usually wins with solid credit because the mortgage insurance eventually falls away; FHA usually wins with weaker credit because it prices less harshly. The only reliable way to choose is to price both against your actual numbers.
Should I get pre-approved before I start looking?
Yes. In the Triangle most sellers expect a pre-approval with an offer, and without one your offer is often not taken seriously. It also stops you falling for a house outside your range. A rate quote is the first step; pre-approval is the next.
Do I have to use the builder's lender on new construction?
No, though builders often attach incentives to using theirs. Those incentives are real, so compare the whole package — take the builder's offer and an independent quote and compare the APR rather than the rate alone, since the APR captures the fees behind the incentive.
See what you'd actually pay
Real rate options for your situation in about two minutes. No credit pull, no obligation, and no contact details needed to look.