American solider hugging daughter and celebrating his homecoming to family.

Government Loans

We offer some of the most popular government loans available.

Government home loans and other federally backed loans are often more affordable, can have lower interest rates, and are often easier to qualify for than personal or conventional loans.
Ideal for: Borrowers with lower credit scores and access to minimal savings for a down payment.
Ideal for: Qualified borrowers who need a no-down-payment loan option.
  • Provides opportunities for members of the military, veterans and eligible spouses to buy a home.
  • Doesn’t require a minimum down payment in most cases.
Ideal for: Borrowers with a modest income looking for a 0% down payment loan.
  • Caters to borrowers interested in buying a home in a USDA-designated rural area.
  • Doesn’t require a down payment
  • Stability of a 30-year fixed product
  • Seller may contribute up to 6% of the loan amount toward closing costs
  • Low monthly mortgage insurance premiums

Tracie Worley professional photo.

Tracie Worley
Mortgage Banking Manager
Serving Johnston County,
Harnett County, and Wayne County

1031 N. Brightleaf Blvd.
Smithfield NC 27577
(919) 938-2652
NMLS #452431
James Boring
Mortgage Loan Officer
Serving Johnston County,
Wake County, and Wilson County

11591 US 70 Hwy W
Clayton, NC 27520
(919) 550-0200
NMLS#: 2418880