Home Financing - Mortgages, Refinancing. Home Loans, Laons

Refinance - Home Equity - 2nd Mortgage - Debt Consolidation - Home Improvement - FHA VA


Construction Loans Advantages

Many homeowners use construction-to-permanent financing programs where the construction loan is converted to a mortgage loan after the certificate of occupancy is issued. The advantage is that you only have to have one application and one closing.

Depending on your view on interest rate trends, you could also purchase a rate-lock agreement valid through the expected completion of the construction. Just make sure you allow for the inevitable construction delays.

A construction loan, unlike a mortgage, isn't meant to be around for a long time. If you're taking out a $200,000 construction loan for six months and you pay an extra 0.5 percent on the loan, it costs you an additional $250. (Assumes an average $100,000 loan balance over a six-month construction period.)

You may be willing to pay a higher rate on the construction loan if you're doing construction-to-permanent financing and can get better mortgage terms or a longer, better rate lock from that lender.


North Carolina Construction Loans

Construction Loans for North Carolina Homeowners! We've Got Just The Right Loan, For All Types Of North Carolina Homes Including Log, Timber Frame & Modular Homes

Construction-To-Permanent Loans
One loan, one closing and one set of fees! Get North Carolina construction financing and permanent financing all in one loan.

Lot Loans
Looking to purchase a North Carolina residential lot for future construction of your primary residence or vacation home? If so, our Lot Loan is the right loan for you. And when you are ready to build, we will help you with your North Carolina Construction-to-Permanent Loan.

Remodeler Loans
Designed for North Carolina homeowners looking to improve a primary residence-new kitchen, bigger bathroom, room addition and more!

Bridge Financing
Don't wait to sell your old North Carolina home before building your dream home. You can access equity in your current home to use as the down payment on a Construction-to-Permanent Loan.

Choose Your North Carolina Mortgage Loan Metro Area!

Asheville Mortgage | Winston-Salem Mortgage | Gastonia Mortgage | Charlotte Mortgage | Concord Mortgage | Fayetteville Mortgage | High Point Mortgage | Greenboro Mortgage | Durham Mortgage | Raleigh Mortgage | Greenville Mortgage | Wilmington Mortgage | Jacksonville Mortgage

North Carolina Factoids

The Tar Heel State was one of the 13 original colonies, becoming the 12th state to join the Union on November 21, 1789. Two early presidents were from here: James Knox Polk was born in Mecklenburg County on November 2, 1795 (he was the 11th US President, serving from 1845 to 1849) and Andrew Johnson was born in Raleigh on December 29, 1808 (he was the 17th US President, serving from 1865 to 1869).

From the majestic Blue Ridge mountains to the beautiful Atlantic shore, North Carolina is known for it's mild climate and gorgeous scenery. Besides being a valuable agricultural developer, North Carolina is the nation's largest furniture, tobacco, brick, and textile producer.

 

Loan Programs & Options
Smart Home Mortgage Loans inc. offers many loan programs from the primary lenders in all 50 states. Our lending institutions provide home purchase, second home equity, mortgage refinancing, and refinance loans. Whether you are searching for conventional, non-conforming or sub prime refinancing, our company can connect you with the finest financing providers online.

FHA Home Purchase Mortgage Loans FHA Home Financing FHA Mortgage Refinancing Bad Credit Home Purchase Loans
FHA Loans Consolidate Debt No Income Check Loans Jumbo Mortgage Loans
Interest Only Balloon Mortgage Vacation Homes OK! Cash Out Refinance
New Home Purchase Fixed Rate Mortgages 100% LTV Financing First Time Home Buyers
80-20 Mortgages Bad Credit Loans OK! Adjustable Loans Condo's & Co-Op Loans
Second Home Loans Negative Amortization Mortgage Bad Credit Home Financing Manufactured Home Loans
Reverse Mortgage Loans Reverse Home Loans    


Home Financing Basics
For those of you who didn’t get a finance degree from a graduate business school, we created this section so that average homeowners can understand the basic for refinance and purchase mortgage loans. Our site will provide you with mortgage references and relevant definitions for loan terms so that you can make wise finance decisions that involve residential mortgages.
Glossary Types of Mortgages What is Subprime Freddie Mac
Misc Terms Basics of a Mortgage Bankruptcy & Foreclosure Fannie Mae
Credit Ratings Credit Scores Credit Repair Ginnie Mae
Leading Rates Closing Costs No Income Verify Amortization Period
Treasury Securities Key economic statistics Other indexes Understanding Tax Deductibility
       


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