Young family walks inside new home.

Non-Conforming Loans

Unique circumstances arise - and our non-conforming loans can help meet those challenges.

A non-conforming loan is simply any mortgage that doesn't conform to the requirements set forth by Fannie Mae and Freddie Mac. A non-conforming mortgage is a home loan that does not adhere to government-sponsored enterprises (GSE) guidelines and, therefore, cannot be resold to agencies such as Fannie Mae or Freddie Mac. 

This is ideal for the borrower who would not typically qualify for a fixed rate mortgage.
ARMs are simply short-term fixed rate mortgages. The longer the fixed rate period, the higher the interest rate you'll pay for that period. A true 3-year ARM, where the rate adjusts every three years, has a higher rate than does the one-year variety, and so on.
Tracie Worley professional photo.

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

1031 N. Brightleaf Blvd.
Smithfield NC 27577
(919) 938-2652
NMLS #452431

Kelly Aycock professional photo.
Kelly Aycock
Mortgage Loan Officer
Serving Johnston County
and Wilson County

115 West Anderson Street
Selma, NC  27576
(919) 965-6351
NMLS#: 452417