Young family standing in front of sold sign for their home.

Purchase Loans

We offer various purchase loans for your unique circumstances. 

Ideal for: Borrowers who prefer stable principal and interest payments on their mortgage.
  • Includes a fixed interest rate that won’t change over the life of the loan.
Ideal for: Borrowers who plan to move or refinance before the fixed-rate period on their loan ends.
  • Includes a variable rate, which can change based on market conditions.
  • Typically begins with a mortgage rate that is lower than fixed-rate loans.
  • Comes with a lifetime adjustment cap, which often means the variable rate can’t jump by more than five percentage points over the life of the loan.
Ideal for: Borrowers who need a mortgage that exceeds conforming loan limits.
  • Includes stricter credit score and down payment requirements than conforming loans.
  • Typically has a wider range of eligible property types.

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