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We can help you purchase the home of your dreams with ease. Our website offers free expert loan advice for people looking to buy a new home, refinance an existing mortgage or make an investment purchase of real estate. When opportunity knocks, you may wish to obtain a home loan and may need assistance in choosing the appropriate loan. You can call our toll-free number to get in touch with a HOME LOAN expert at anytime to learn about loan types, loan modification and loan refinancing options. Our service is fast and free, and our friendly experts are available to speak with you 24 hours a day.
If you seek a mortgage for a primary residency in Greenville, NC, then our experts can help you find the right type of home loan for your needs. Some of the following loan types are options that first-time home buyers typically choose:
Fixed-Rate Mortgage in Greenville
A fixed-rate mortgage has an interest rate that is fixed for a period of time such as 10, 20, 30, 40 or 50 years. At the end of the loan term, you will pay back the amortized principal balance and interest of the loan. The benefit of a fixed-rate mortgage is that an individual can anticipate what his or her exact monthly payments and interest will be. The interest rate remains “fixed” throughout the life of the loan. This is a smart option for the person who plans on keeping a home for a long period of time, such as 15 or 30 years. You can use our home loan calculator to predict your future payments and interest with a fixed-rate mortgage.
Get an Adjustable-Rate Home Mortgage in Greenville, NC
An adjustable-rate mortgage has an interest rate that can change throughout the life of the loan according to an index rate. This type of mortgage has maximum and minimum interest cap levels. The benefit of an adjustable-rate mortgage is that your initial payments will feature lower interest rates at the start of the payment process. This can be a smart option for the person who does not plan on staying in a residence for a lengthy period of time. Investors who plan on re-selling a property in a short period of time may also benefit from the use of an adjustable-rate mortgage. Also, you are able to qualify for a higher principal loan amount with an adjustable-rate mortgage than a fixed-rate mortgage.
Convertible Adjustable-Rate Home Mortgage in Greenville
This type of adjustable-rate mortgage can eventually be converted into a fixed-rate mortgage according to the terms of the loan. This could be a beneficial option for the homeowner who plans on eventually refinancing a loan. Initially, the interest-rate may also be lower for a convertible adjustable-rate mortgage than a fixed-rate mortgage.
If you have any questions about applying for a new mortgage, then feel free to call us for expert loan advice. Our experts can provide you with details to help you find a mortgage or home equity loan for your needs. Loan experts are ready to work with you on the phone to listen to your financial situation and provide you with mortgage solutions. Whether you want to learn about interest rates on home loans or the current market, our team will help you make an educated decision to find home loans in Greenville, NC.
Refinance your Greenville Home
Current homeowners may also wish to put some cash back into their pockets by learning about home loan refinancing options. A home refinancing plan will help homeowners to replace an existing mortgage with a new one. A homeowner may choose to refinance a mortgage so that he or she can obtain a mortgage with a better interest rate and term. Once a homeowner qualifies for a mortgage refinancing plan, the original mortgage will be paid off. Refinancing allows homeowners to lower the monthly payments for a mortgage and obtain equity in the home. For a homeowner who needs to make a significant purchase, a refinancing plan can help him or her to obtain fast access to a significant amount of money. Homeowners who are wondering when it is appropriate to refinance can call the toll-free number at We to speak with one of our friendly loan experts today.
Investors may also wish to seek advice in regards to loan rates or purchasing a new loan. For an investor who wishes to find specific home loans in Greenville, NC, our loan experts are here to make the search process easier. Our loan experts will help you compare the interest rates on loans offered by local banks in a city 24/7. Here are some of the loan options that investors may wish to consider:
1-Year Treasury Adjustable-Rate Home Mortgage in Greenville
With this type of loan, the interest rate will be fixed for one year. After the first year expires, then the interest rate will fluctuate every additional year the mortgage is unpaid. The treasury average index sets forth the interest rate for each year after the first year. The benefit of this loan is that interest rates are initially lower than a fixed-rate mortgage in the first year. For the investor who intends on repaying a loan within a short period of time, such as one year, this could be a favorable option for the low interest rate offered with this loan.
Flexible Payment Option Adjustable-Rate Home Mortgage
This loan allows you to choose from a diverse set of payment options every month and can be a good option for the investor who has a variable income level every month. The benefit of this loan is being able to make differing payments on a monthly basis. If you are short on cash for a particular month, then you may choose an option to fit your financial circumstances.
Whether you want to find a home loan in Greenville, NC, a home modification loan or refinancing plan, our loan experts are here to provide you with guidance at any stage of the process. Feel free to browse We for home loan options or call our toll-free number to get in touch with an expert today.