Conventional Rates


       MORTGAGE RATES – Charlotte, North Carolina

Call 704-845-9400 for Current Mortgage Rates or Additional Information.

*All mortgage rates quoted reflect the total discount points required.  All APRs Include a Commitment Fee of $895.  The commitment fee for NC loans is $895 and $945 for SC loans.  Quotes are based on a Purchase or Rate/Term Refinance of a Primary Residence.  Mortgage Rates are subject to change without notice. Certain restrictions may apply.

Mortgage Rates & Fees may vary based on Program, Rate Lock Period and Qualification.

Several factors will determine our competitive rate to meet your requirements. Our experienced loan officers will step you through the process, covering the fees and the mortgage rate to best fit your situation.  Call to discuss your qualifying profile.

View Government Program Rates
Loan Type: CONFORMING FIXED
Loan Term Rate Points APR Comments
30 Years 4.750 0.00 4.961
  1. Mortgage Rates are based on minimum loan amount of $200,000
  2. Credit Score >=720
  3. Loan to Value =<80%

 

Please call 704-845-9400 for other current rate quotes

20 Years 4.625 0.00 4.911
15 Years 4.250 0.00 4.611
10 Years 4.250 0.00 4.770

Loan Type: CONFORMING ARM
Loan Term Rate Points APR Comments
5/1 4.750 0.00 5.264
  1. Fully indexed rate based on margin 2.25 and may vary
  2. 5/2/5 caps Libor Arms
  3. Minimum loan amount $200,000
  4. credit score >=740
  5. Loan to Value =<80%
  6. Owner Occupied / Single Family Residence
7/1 4.750 0.00 5.207
10/1 4.750 0.00 5.137

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Loan Type: JUMBO FIXED
Loan Term Rate Points APR Loan Amount Comments
30 Year Call for Rates $450,000 up to $650,000
  1. Loan to Value =<80% with no subordinate financing
  2. Credit scores =>760
  3. 60 day lock applies
  4. Owner Occupied / Single Family Residence
30 Year Call for Rates $650,000 up to $1,000,000
30 Year Call for Rates $1,000,000 up to $1,500,000
30 Year Call for rate Loan Amounts up to $1,000,000 for 90% LTV

Loan Type: CONSTRUCTION & RENOVATION
Loan Term Rate Points APR Comments
One-time Close – Construction
  1. Available for FHA, VA & USDA
  2. Call for Mortgage Rates
Renovation Currently Not Available

Rates are subject to change without notice. Certain restrictions may apply.