Mortgage Broker North Carolina

Looking to get a mortgage in North Carolina?

While looking for a home in North Carolina, having the paperwork done correctly is essential. It helps you get the mortgage much easier. Interstate Home Loan Center is your go-to choice if you are looking for any financing options on a home or mortgage in North Carolina. Our mortgage banker team is committed to making your process of buying a new home as smooth as possible. We guide you throughout the process of choosing a purchase loan product at the best rate that is aligned with your long-term goals.

Getting a home loan is an easy process with the help of the experts at Interstate Home Loan Center. The path to getting a mortgage in North Carolina has never been easier. We will assist you with the paperwork that will help you secure a mortgage pre-approval in North Carolina. Your budget is our priority and we will help you compare all the rates and terms that meet your unique needs. Every financial situation is unique, so comparing different home loan programs enables you to customize your loan in North Carolina. We have the best tools and experts to assist either a first-time buyer or even a seasoned real estate investor.

What to know when looking to get a mortgage in North Carolina?

One of the main qualifications in getting a mortgage in North Carolina, is to have a good credit score. A high credit score assures the lender that you are good at managing money and have a habit of making payments on time. However, a low credit score can have an adverse effect on the lenders. A lesser credit score makes you appear as a riskier borrower who handles the loan payment process poorly. Another advantage of having a high credit score is the access it opens to lower interest rates and additional lender options in North Carolina.

If you have a low credit score, we at Interstate Home Loan Center can help your get the home in North Carolina you want. Another important factor is DTI or Debt to Income Ratio. An individual’s DTI is the total of their minimum monthly debt payments and dividing it by their gross monthly income. Lenders in North Carolina will also check assets like savings accounts, retirement accounts, and any taxable investments.

At Interstate Home Loan Center, we look forward to helping you secure your home as well as help you reach your long term financial goals in North Carolina. We want our clients to have a full understanding of their financial situation. Apart from assisting you to get a mortgage in North Carolina; we also make sure you get the best deal possible. It is crucial that the loan you take matches your financial situation. For example, a high-paying monthly payment might be a burden on your financial situation as a whole. To avoid such circumstances, let the experts at Interstate Home Loan Center help you. We are just a call away to help aid you on the road to securing the home of your dreams in North Carolina.

Looking for a Mortgage Banker in North Carolina?

Ever wondered if a North Carolina Mortgage Banker is the right option for you? We at Interstate Home Loan Center help clients understand why a North Carolina mortgage banker is the best route to take. We believe in educating our clients on the subject so that potential buyers can see the benefits of choosing a Mortgage Banker in North Carolina. Buying a new home is a huge financial decision and investment. It is crucial to have all of the information before taking that big step. To achieve this dream, you will be given a North Carolina Mortgage Banker making the process flawless.

Mortgage Broker Vs Mortgage Banker

Are you unsure whether you should approach a mortgage banker or mortgage broker? Even though both of them help secure mortgage loans, mortgage bankers in North Carolina have more to offer to a home buyer. A Mortgage Broker in North Carolina isn’t the best option because they usually facilitate originations for other institutions. A North Carolina Mortgage Broker doesn’t use its own funds and represents multiple financial institutions. You have to pay a mortgage broker through either a flat fee or through a commission that comes from a percentage of the home loan’s value.

A Mortgage Banker in North Carolina works in tandem with the lending institutions. Mortgage Bankers in North Carolina have many benefits including their access to long-term associations. Employed by lending institutions, they are adept at handling a variety of lenders, loan scenarios, and payment structures. Trusting Mortgage Bankers in North Carolina is easy because they have more control over the transactions than Mortgage Brokers. They are also paid through a salary.

Interstate Home Loan Center is happy to be your Mortgage Banker in North Carolina. Our highly experienced team of Mortgage bankers and refinance loan experts ensures a smooth home-buying process. Their in-depth knowledge and experience help you to choose the right mortgage loan in North Carolina. Let us guide you every step of the way as you make your dream of owning a home a reality.

Give us a call at 1-888-624-1414 and learn more about all that Interstate Home Loan Center has to offer you!

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20-YR FIXED

RATES FLUCTUATE DAILY

CALL OR CLICK GET STARTED FOR A PERSONALIZED QUOTE

LENDER FEES – $1995
POINTS – $0

30-YR FIXED

RATES FLUCTUATE DAILY

CALL OR CLICK GET STARTED FOR A PERSONALIZED QUOTE

LENDER FEES – $1995
POINTS – $0

15-YR FIXED

RATES FLUCTUATE DAILY

CALL OR CLICK GET STARTED FOR A PERSONALIZED QUOTE

LENDER FEES – $1995
POINTS – $0
**Disclaimer This is not a commitment to lend. Terms and conditions apply. Interest rate and annual percentage rate (APR) are for informational purposes only. Rate and APR are based on single family, owner-occupied, primary residence purchase of conforming loan sizes with 60% loan-to-value and assumes 780 FICO score. Rates are prevailing and subject to change. Call for today’s live rate.

Our Process

Securing a mortgage doesn’t have to be stressful or time consuming. We believe in full transparency, and getting your loan approved FAST! You will be able to track the status at all times while we are working to move forward on our end. Any hold up can cause you to lose out on a home you’ve put an offer in on! At Interstate, our process is seamless and best of all, quick!

Average number of DAYS to get a loan commitment from Interstate Home Loan Center

Average Number of DAYS to close your loan.

Average number of MINUTES it takes to complete our loan application.

FAQs

What is the best way to get a mortgage?
It is a good idea to do some research on mortgage programs and rates. You can do most of your research online or by phone. Organize the necessary financial paperwork and contact the team at Interstate Home Loan Center. We can help you navigate the process of getting a mortgage in North Carolina. When making mortgage comparisons, you must be sure you are comparing mortgages of similar terms, i.e. a 30 year vs. a 5 year, do the mortgages you are comparing have prepayment penalties and do they have similar rate lock durations? There is a lot of difficult jargon when it comes to getting a mortgage in North Carolina. Let our experts help you select the best option for you and your financial goals.
What does a Mortgage Banker do?
Mortgage Bankers work for a financial institution and help individuals obtain a mortgage loan. Their years of experience in the industry and relationships with lenders can provide either first time home buyers or seasoned real estate investors with the tools they need to secure a loan that fits their financial goals. Contact the team at Interstate Home Loan Center to find out how our North Carolina Mortgage bankers can help you in the home buying or refinancing process!
If I have a bad credit score, can I still get a mortgage?
The truth is that it depends on how low your credit score is. If you think your credit score may cause an issue in obtaining a loan, please reach out to our office. The team at Interstate Home Loan Center has experience in working with individuals with lower credit scores and helping them get a loan to purchase a home in North Carolina. Our experts can also advise you on immediate steps you can take to bring your credit score back up!

Angel Muniz is the gold standard of lenders.

Five-star rating graphic.
Look no further than Angel Muniz if you're searching for a mortgage consultant who is not only knowledgeable but will take the time address all your concerns and questions. My realtor, Linda Rodriguez, recommended Angel Muniz. I was very impressed with his approach. He was very personable and thoroughly explained the entire loan process so I knew what to expect. Anytime I needed to reach him, all I had to do was call, email or text and Angel will get back to me as soon as possible if he is unavailable at the moment. Angel also makes sure to follow up with me to see if I had any needs or questions. Communication is key! With Angel, it feels like talking to a friend rather than a random agent who looks at me just like another number. Towards the end of my loan process, I secured a home insurance policy on my own only to find out Angel already took care of that tedious detail with a lower price! Now that is service. Angel is always in the background working to ensure the loan process goes smoothly. I highly recommend Angel Muniz for any home loan needs.

Angie from NY
worked with Angel Muniz

Professionalism and Responsiveness,

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Angel helped my family with everything. He speaks English and Spanish . He explained everything in both languages. Excellent service and kind people .

zuser201607011221173 from NY
worked with Angel Muniz

Mario is an excellent loan officer

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My husband and I just purchased a house and Mario helped us so much true the whole process we are ver thankful to him for being so honest to us always being there to answer all our questions and concerns. We highly recommended him he will help you the best way on purchasing your home.

beatriz1610 from NY
worked with Mario Gonzalez

Best in the biz

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As a real estate agent and attorney, there is no one else I refer clients, friends, or family to and I just used Greg for my own home purchase. He is knowledgeable, approachable, kind, and goes above and beyond for all his clients. He makes you feel like you are family and that he has all the time in the world to help you. Greg is exceptional and extremely professional. There is no one else to use!

Alanna McGovern from NY
worked with Gregory Bellezza

THE BEST!!!!

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Greg is INCREDIBLE!!!! Cannot recommend Greg enough, I will be sending all my friends and family to him! He is attentive, timely, responsible, willing to answer questions or concerns at ANY time with a quick response! We are first time home buyers and Greg has made this processes a pleasant one! We had our mind at ease because we knew we were in good hands with Greg and his team. I cannot say enough good things or thank them enough for everything they have done for us! We are so thankful we were able to get our first home because of Greg!!! Thank you!

NikkiChisholm5 from NY
worked with Gregory Bellezza