Specializing in North Carolina Home Mortgage Refinancing

"We have cut out the middleman and large corporate overhead
to bring you the best possible rates and lowest fees."

Thank you for visiting North Carolina Home and Loan. We hope you will find our North Carolina home loan information offered here helpful in obtaining your mortgage.

If you need a North Carolina Home Mortgage or you need to refinance your current North Carolina Home Loan, our licensed loan officers will help you get the financing.  When you apply online or over the phone, we will help you find best loan programs with the lowest rates in North Carolina to suit your specific situation.

At North Carolina Home and Loan, you will find:

  • Honest and trusted professional service
  • Low interest rates from 50+ competitive lenders
  • Sound advice from qualified mortgage specialists
  • Mortgage loan financing options tailored just for you
  • Jumbo loans to sub-prime and everything in between


Call us today 855-529-5222 for a Free Fast Pre-Approval or

Our North Carolina mortgage loan programs are not only convenient, but also very competitive. It is our goal to help you cut through the clutter and noise in the mortgage marketplace, so you can quickly and efficiently find a loan that meets your objectives and fits your lifestyle.

We are part of a lending network, participating with the wholesale divisions of  50+ lenders.

Need 100% Financing? No problem

  • No money down is available for all types of borrowers
  • Veterans can get no money down with a VA loan
  • FHA loans available with only 3% down
  • Special financing for 1st time buyers

Having problems getting approved with poor credit? No problem

  • People with poor credit can and do get financing, we have the experience to make it happen
  • Talk to one of our mortgage professionals to learn how you can improve your credit score
  • We also have loan programs that are not credit score specific

Need to refinance your North Carolina mortgage? No problem

  • North Carolina refinancing is our specialty
  • Reduce your monthly payments
  • Get out of an ARM and into a low interest rate 30-year fixed mortgage
  • You can get cash out from your refinance
  • Use a HELCO loan for debt consolidation

Building your home or purchasing land? No problem

  • Lot loans and Construction Loans are available
  • Can be rolled into your permanent mortgage
  • Get low interest 30 year fixed rates
  • Little or no money down payments

As professionals in the North Carolina mortgage lending industry, we've built our reputation on providing outstanding service to our clients. That means you can count on us to always look out for your best interests and to keep you informed throughout every step of the lending process. Please don't hesitate to call if you have questions about the information you find here on our web site. You will find a lot of helpful information by following the links on our site to get you started if you are new to the mortgage financing process.

At first taking out a mortgage may appear daunting, but once you break it down, it becomes straight foward. It is our job to educate and inform you every step of the way.

When you give us a call or apply online, we start the process by assessing your current financial situation. We will then look at the market and shop around for the best product for your needs. Once we find the most competitive rates that meet your approval, you can then get approved by the lender. After that it is a matter of organizing paper work for submission to the lender. Before you know it, you will be a new home owner and living out your dreams.

There are several types of North Carolina home mortgages available: Call us to discuss a loan program that would best fit your needs.