We offer various purchase loans for your unique circumstances.
Fixed-Rate Mortgage
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.
Adjustable-Rate Mortgage
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.
Jumbo Mortgage
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.
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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, Nash County,
Wake County, and Wilson County 11591 Clayton Blvd.
Clayton, NC 27520
(919) 550-0200 NMLS#: 2418880 |