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Bad Credit Home Loans in Raleigh, North Carolina

Raleigh North Carolina home loan financing with a credit score of at least 600. We understand how it feels to be shunned or denied because of credit problems. That's why we have Bad Credit experts standing by to help. We have mortgage lenders available to help you accomplish your financial goals for the future. If you're looking to buy a new home in Raleigh, refinance your current mortgage, or looking for information about other mortgage options, fill out our quick form and a Raleigh, North Carolina lender will get in touch with you in no time at all.

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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  • 2. No Credit Check
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Refinance and lower your monthly payment.



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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
Amortization
The gradual repayment of a mortgage by installments. As you pay back the loan, an increasing amount of each payment is applied to principal and a lesser amount is applied to interest. Amortization is also a process of spreading a cost that is incurred upfront over the term of the loan or life of the asset.
Deed of Trust
An instrument used in many states in place of a mortgage. The property is transferred to a trustee by the borrower (trustor), in favor of the lender (beneficiary) and re-conveyed upon payment in full.
Origination Fee
The fee charged by a lender to prepare loan documents, make credit checks, inspect and sometimes appraise a property; usually computed as a percentage of the face value of the loan. Origination fees are paid by the lender or included in the loan as part of the closing costs. Lender's can also charge an origination fee to the borrower, when funding the mortgage with a table lending mortgage broker. Origination fees are considered tax deductible points.
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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