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Bad Credit Home Loans in Raleigh, North Carolina

Bad Credit Home Loans offers new home purchases, home refinancing, home equity loans, sub prime, FHA, Fannie Mae, bridge loans and more. We can offer consumers in Raleigh North Carolina a quick and easy way to get in touch with the mortgage and financial services they need. We can help you consolidate your debt by offering you a debt consolidation loan. Complete the quick application form and a finance consultant will contact you and help you reach your financial goals.

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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Mortgage Refinancing in Raleigh, North Carolina.

Get financed in Raleigh. We help people in North Carolina and across the country get the financing they need. Begin the application now, or select a different city.
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
Annual Percentage Rate (A.P.R.)
The actual cost of a mortgage loan expressed as a yearly rate. The APR will be higher than the interest rate stated on the application and note because it includes fees such as: interest, discount points, origination fee, mortgage insurance and other related fees. The truth in lending act requires lenders to disclose an APR to assist the borrower in measuring the actual cost of a loan.
Deferred Interest
When a mortgage is written with a monthly payment that is less than required to satisfy the note rate, the unpaid interest is deferred by adding it to the loan balance.
Monthly Housing Payment
Typically the total amount of principal, interest, taxes, and insurance (PITI) paid each month on a mortgage loan. Many lenders and investors limit the monthly housing payment to 28% of the gross monthly income.
VA Loan (Veterans Affairs)
These loans are made by a lender, such as a mortgage company, savings and loan or bank. VA's guaranty on the loan protects the lender against loss if the payments are not made, and is intended to encourage lenders to offer veterans loans with more favorable terms. The amount of guaranty on the loan depends on the loan amount and whether the veteran used some entitlement previously. With the current maximum guaranty, a veteran who hasn't previously used the benefit may be able to obtain a VA loan up to $240,000 depending on the borrower's income level and the appraised value of the property. The local VA office can provide more details on guaranty and entitlement amounts. Formerly referred to as G.I. guaranteed mortgage

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