Mortgage rates are subject to daily changes. Sometimes even during the normal course of a business day. Rates can change for the better or worse depending on financial market conditions. Each day the rates from our various underwriters are published between 10-11:00 AM. For the most up to date rates, please call our office, 910-791-1337 to speak with one of our loan officers.
Call us to learn more about "paying points", the Lender pay you points or closing credits.
20 Year Fixed
30 Year Fixed
Rates and APR’s are subject to daily changes. Interest rates are based on a loan amount greater than $200,000 and less than $424,100. Loan to value based on 75% of appraised value. All rates quoted have “zero” discount points. By paying points the consumer (borrower) could qualify for a lower rate. A number of discount points paid will affect the rate and corresponding APR. Mortgage rates affect the amount of principal and interest paid on the loan and do not include the taxes and insurance paid. Rates are fixed unless described as an ARM (Adjustable Rate Mortgage). Rates described as a 5/1 ARM or 7/1 ARM are fixed for the first 5 or 7 years and then change annually for the remaining thirty years. These loans have corresponding rate caps and periodic adjustment caps.
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