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Bad Credit Home Loans in North Carolina

Bad Credit Home Loans in North Carolina. We help people in North Carolina find the home financing they need fast. It is our goal to help you achieve your financial goals. If you are looking for a North Carolina new home loan, a second mortgage, bad credit loans, debt consolidation, or a variety of other loan services, we can help. Bad credit doesn't need to prevent you from being able to refinance your mortgage. We specialize in refinance loans and home mortgage loans. Fill out the quick application form below and someone will be in touch with you shortly.

Home Loan Refinancing

Refinancing your home can be very beneficial to any homeowner. If you are looking to lower your home interest rate, change your home loan terms, or get cash-out of your home, refinancing may be for you. Apply online to get the best interest rate available on the home loan market place.

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  • 1. Completely Free
  • 2. No Credit Check
  • 3. No SSN Required

Refinance and lower your monthly payment.



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Get Financing for up to 40 Years!

Mortgage Lenders in North Carolina Cities

Albemarle
Apex
Asheboro
Asheville
Boone
Burlington
Carrboro
Cary
Chapel Hill
Charlotte
Clemmons
Concord
Cornelius
Durham
Eden
Elizabeth City
Fayetteville
Fort Bragg
Garner
Gastonia
Goldsboro
Graham
Greensboro
Greenville
Havelock
Henderson
Hendersonville
Hickory
High Point
Hope Mills
Huntersville
Indian Trail
Jacksonville
Kannapolis
Kernersville
Kinston
Laurinburg
Lenoir
Lexington
Lumberton
Masonboro
Matthews
Mint Hill
Monroe
Mooresville
Morganton
New Bern
Newton
Piney Green
Raleigh
Reidsville
Roanoke Rapids
Rocky Mount
Salisbury
Sanford
Shelby
Smithfield
Southern Pines
Statesville
Tarboro
Thomasville
Wake Forest
Wilmington
Wilson
Winston Salem

Mortgage Terms
Assessed Value
The value that a taxing authority, such as a county assessor places on real property as a base for computing property taxes. Generally assessed at 80% of value.
Debt ratio or Debt-to-Income Ratio
The ratio, expressed as a percentage, is calculated by dividing the monthly payment of long-term debts by gross monthly income.
Line of Credit
A loan with a maximum credit limit that allows the borrower(s) to disburse funds up to the maximum credit line as needed. Funds may be disbursed repeatedly as the principal balance is paid down up to the maximum credit limit available. A line of credit functions similar to a credit card and may be accessed by writing a check or a using a debit card.
V.A. Mortgage Funding Fee
A premium assed to the VA borrower in lieu of mortgage insurance. First time VA borrowers have a 3% funding fee included in their loan. When the VA borrower sells their home and uses their VA rights on a new home, the funding fee is 2%. VA borrowers refinancing their home, have a half percent funding fee in their mortgage. Disabled Veterans are not burdened with the funding fee.

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