Capital Home Mortgage North Carolina

North Carolina Home Loans

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North Carolina Mortgage Lender

Home Loans in North Carolina

Welcome to Capital Home Mortgage North Carolina, where we strive to provide North Carolina Home Loans to North Carolina homebuyers and homeowners at competitive rates and fees while giving great service.  First, we’d like to thank you for the opportunity to earn your business.  We recognize that acquiring a house is the most important decision of most people’s life, which is why Capital house Mortgage North Carolina offers dedicated points of contact throughout the mortgage process.  This assures a stress-free experience, with an on-time close.  After all, buying a home should be enjoyable.

Capital Home Mortgage North Carolina, as a direct North Carolina Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, sensible approvals and timely closings.  We have complete control over every detail from the application to funding.

Capital Home Mortgage North Carolina is a full-service North Carolina Mortgage Lender that offers a wide range of mortgage products as well as competitive North Carolina Mortgage Rates.  Whether you are a first-time purchaser seeking a North Carolina FHA Home Loan, looking for a rural property and needing a North Carolina USDA Home Loan, a Native North-Carolina wanting to use the HUD 184  North Carolina Native American Home Loan, a active or retired veteran in need of an North Carolina VA Home Loan, or a seasoned buyer in need of a North Carolina Conventional Home Loan, we are here to assist.

Call today (910) 500-6017 to talk to one of our North Carolina Loan Officers.

North Carolina, known as the ” Tar Heel State”  is situated in the country’s southeast and is renowned for its varied topography, which includes the coastal plain in the east, the Piedmont region in the center, and the Appalachian Mountains in the western half of the state. The state’s borders are the Atlantic Ocean to the east, Georgia and South Carolina to the south, Tennessee to the west, and Virginia to the north.

North Carolina’s capital, Raleigh, along with Chapel Hill and Durham, form the Research Triangle metropolitan area. Asheville, Greensboro, Winston-Salem, and Charlotte the state’s largest city are among the other important cities.

The economy of North Carolina is varied, with major contributions from the manufacturing, tourism, finance, and agricultural sectors. Numerous sizable banks and other financial organizations are located in Charlotte, a significant financial center.  A well-known hub for technology and research enterprises is Research Triangle Park. Agriculture is still significant; the state is a major producer of chicken, sweet potatoes, and tobacco.

The University of North Carolina at Chapel Hill, North Carolina State University, and Duke University are just a few of the esteemed universities located in North Carolina. The state’s standing as a hub for higher learning and research is enhanced by these institutions.

African American, European, and Native American customs have all influenced the state’s rich cultural legacy. There are many different outdoor activities available in North Carolina, such as hiking in the mountains, exploring the ocean, and taking use of the state’s many parks and forests. The state is renowned for having a thriving artistic community as well, especially in Asheville and Durham.

North Carolina was a major player in American history, especially during the American Civil War and the colonial era. Located at Roanoke Island in the late 16th century, it was one of the original Thirteen Colonies and the site of the first English colony to succeed in America. The state boasts numerous historic sites from that era and was a major battlefield during the Civil War.

Statistics: The people of North Carolina are varied, representing a range of racial and cultural backgrounds. Due to both internal and outside immigration, the state has seen substantial population expansion in recent decades.

All things considered, North Carolina is a vibrant and alluring state to live in and visit due to its rich history, varied economy, and abundance of natural beauty.

The real estate market in North Carolina is varied and location-specific in pricing. The cost of a home is typically higher in major cities like Charlotte, Raleigh, and Durham than it is in rural locations. Wilmington and other coastal communities have different pricing points depending on things like tourism and how close they are to the ocean.


In general, the real estate market in North Carolina has grown steadily due to a number of variables, including population expansion, employment possibilities, and a comparatively low cost of living in comparison to other states. But market circumstances might differ between cities and even between regions.

In urban areas and college towns like Asheville and Chapel Hill, there is a high demand for rentals. Major economic centers like Charlotte and Raleigh also have thriving rental markets. Because of the consistent demand for rental properties in these locations, investors frequently find possibilities.

The economy of North Carolina is varied, with major contributions from the manufacturing, financial, technological, healthcare, and agricultural sectors. Demand for and costs of homes across the state are impacted by job growth in various areas.

There are many different types of housing available in urban locations like Charlotte and Raleigh, including apartments, single-family homes, and condominiums. Property values are usually greater and there are more facilities in these regions. There may be more reasonably priced housing alternatives in the state’s rural areas, which frequently have larger lots or acres.

The number of available homes in North Carolina has fluctuated, just like in many other areas in the nation. In certain locations, there is less inventory because of the rise in housing demand in recent years. This has made the market more competitive, especially for purchasers looking for properties in well-liked communities or academic districts.

In North Carolina, zoning rules, property taxes, and environmental regulations are only a few of the state and local laws that apply to real estate transactions. It is imperative that purchasers and sellers are aware of these rules and consult with knowledgeable experts, such as real estate brokers and lawyers.

All things considered, North Carolina’s real estate market is varied and provides options for both investors and purchasers.

The state of North Carolina is situated in the country’s southeast and is renowned for its varied topography, which includes the coastal plain in the east, the Piedmont region in the center, and the Appalachian Mountains in the western half of the state. The state’s borders are the Atlantic Ocean to the east, Georgia and South Carolina to the south, Tennessee to the west, and Virginia to the north.

North Carolina’s capital, Raleigh, along with Chapel Hill and Durham, form the Research Triangle metropolitan area. Asheville, Greensboro, Winston-Salem, and Charlotte the state’s largest city are among the other important cities.

The economy of North Carolina is varied, with major contributions from the manufacturing, tourism, finance, and agricultural sectors. Numerous sizable banks and other financial organizations are located in Charlotte, a significant financial center. A well-known hub for technology and research enterprises is Research Triangle Park. Agriculture is still significant; the state is a major producer of chicken, sweet potatoes, and tobacco.

The University of North Carolina at Chapel Hill, North Carolina State University, and Duke University are just a few of the esteemed universities located in North Carolina. The state’s standing as a hub for higher learning and research is enhanced by these institutions.

African American, European, and Native American customs have all influenced the state’s rich cultural legacy. There are many different outdoor activities available in North Carolina, such as hiking in the mountains, exploring the ocean, and taking use of the state’s many parks and forests. The state is renowned for having a thriving artistic community as well, especially in Asheville and Durham.

North Carolina was a major player in American history, especially during the American Civil War and the colonial era. Located at Roanoke Island in the late 16th century, it was one of the original Thirteen Colonies and the site of the first English colony to succeed in America. The state boasts numerous historic sites from that era and was a major battlefield during the Civil War.

Statistics: The people of North Carolina are varied, representing a range of racial and cultural backgrounds. Due to both internal and outside immigration, the state has seen substantial population expansion in recent decades.

All things considered, North Carolina is a vibrant and alluring state to live in and visit due to its rich history, varied economy, and abundance of natural beauty.

Thank you again for allowing us to help you with your North Carolina Home Loans.

North Carolina Home Loans

North Carolina Conventional Home Loans

North Carolina Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

North Carolina FHA Home Loans

North Carolina FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone. FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a North Carolina FHA home loan is consistent employment history and documented income.

North Carolina VA Home Loans

North Carolina VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Maine.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

North Carolina USDA Home Loans

North Carolina USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

North Carolina Jumbo Home Loans

A North Carolina Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

North Carolina Non QM Home Loans

North Carolina Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

North Carolina Native american Home Loans

A North Carolina Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Maine Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

North Carolina One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A North Carolina One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why North Carolina HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

North Carolina Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
North Carolina Home Mortgage Programs

North Carolina Home Purchase loans

Looking to Purchase a North Carolina Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

North Carolina Renovation Home Loans

Looking to Rehab a North Carolina Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

North Carolina FHA Home loans

Great 1st Time North Carolina Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

North Carolina va Home Loans

100% Financing for North Carolina Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

North Carolina Conventional Home loans

Flexibility for North Carolina Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

North Carolina Jumbo Home Loans

North Carolina Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

North Carolina USDA Home loans

North Carolina 100% Rural Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

North Carolina Native american Loans

North Carolina Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

North Carolina Manufactured Home loans

Great North Carolina Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

North Carolina Reverse Mortgage Loans

Your North Carolina Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

North Carolina Non QM Home loans

Making North Carolina Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

North Carolina One Time Close Home Loans

Build Your North Carolina Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

North Carolina Refinance Mortgage loans

Maine Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

North Carolina Cashout Mortgage Loans

Maine Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

North Carolina Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Susan Adams

Sr Loan Officer
NMLS #105389

North Carolina Mortgage Company Reviews

North Carolina Cities

Charlotte Home Loans

Raleigh Home Loans

Greensboro Home Loans

Winston-Salem Home Loans

Durham Home Loans

Fayetteville Home Loans

Cary town Home Loans

Wilmington Home Loans

High Point Home Loans

State Specific Mortgage Information
AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

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