Known as the Tarheel State, North Carolina has diverse geographical features, beloved landmarks, and fun attractions. The state's central location on the Atlantic is a resident’s dream. Western North Carolina is full of beautiful mountains, like the Blue Ridge Mountains in Wilkesboro. Eastern North Carolina is home to beachfront communities, such as Elizabeth City, Greenville, New Bern, and the Outer Banks. Not to forget, it's a food lover's paradise! The food scene is consistently popular and one of the most progressive in the nation.
If you’re looking to buy a home in North Carolina, start your mortgage application now, and you can have a pre-approval letter in hand when you’re touring homes!
Already a North Carolina homeowner? We can also help with mortgage refinancing!
North Carolina mortgage rates and trends
National mortgage rates dropped to all-time lows in large part due to COVID-19. This resulted in millions of Americans taking advantage of low borrowing costs.
North Carolina mortgage rates followed that trend, but the market has been undergoing gradual increases recently. That said, rates remain low by historical standards. In fact, regardless of when you took out a mortgage, it's in your best interest to take advantage of a free mortgage review with a trustworthy lender. A lower rate could mean hundreds of dollars in monthly savings.
Keep in mind, a number of factors can impact mortgage rates, including credit scores and debt-to-income ratio. To get the best rate, talk with a lender who will customize a loan program based on your needs. Turn to American Financing for any of our North Carolina home mortgages, including FHA, VA, Conventional, USDA, and more.
Down payment assistance
North Carolina home buyers may qualify for down payment assistance. If you’re looking to purchase a North Carolina home, let us help you understand what options and grants* are available to you.
Be sure to ask about:
Dream Makers Grant
Forgivable and non-forgivable second mortgages
First-time home buyer incentives
Closing cost assistance
*Actual assistance amount may vary based on purchase city, credit score, and other financial requirements. Down payment assistance programs are at the city and/or state level, and they are not funded by American Financing. A homebuyer education course may need to be completed prior to applying.
Check with your mortgage consultant about funding today!
Refinancing your mortgage
Is your monthly mortgage payment or interest rate too high?
Do you have high-interest debt holding you back?
Do you want to be mortgage-free sooner?
If you answered yes to any of these questions, now is the time to schedule a free mortgage review with one of our North Carolina mortgage consultants. Learn about the benefits of mortgage refinancing, and you could be looking at up to $1,000 a month in savings. When working with American Financing, you can choose any loan term you need ten years and over! Just call a mortgage consultant to learn more.
Why American Financing?
We’re a national mortgage lender that’s dedicated to making homeownership affordable. Competitive mortgage rates and no upfront fees are just the beginning. Our experienced mortgage consultants work hard to customize the right loan program for your financial goals. We're able to complete most of the lending process online, creating an even faster experience for you.
We try to make it memorable, too. After all, this is not just a transaction. We’re always available to answer any mortgage-related questions after closing. We can also help with refinancing to a better rate or to get cash out. So, here’s to the start of a lifelong relationship!
Let’s build your home loan together
Call (800) 910-4055 to connect with a North Carolina mortgage consultant. We’ll customize any loan in the industry while offering the best service, lowest rates, and fastest closings. Let us show you how simple the mortgage refinancing or new home purchase process can be!
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