The Best Mortgage Lenders in Aberdeen, NC
Compare verified mortgage lenders serving Aberdeen, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Aberdeen
Featured Mortgage Lenders
Sandhills Credit Union
Sandhills Credit Union
As a longstanding local financial institution deeply embedded in the Aberdeen community, Sandhills Credit Union offers personalized mortgage services with competitive rates and exceptional member service. Their mortgage specialists provide comprehensive guidance through the entire home loan process, from pre-approval to closing. With deep roots in Moore County since 1959, they understand the local real estate market and offer specialized programs for first-time homebuyers, veterans, and those seeking construction loans. Their high member satisfaction ratings reflect their commitment to making homeownership accessible and affordable for Aberdeen residents.
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Pinehurst Mortgage
Pinehurst Mortgage
Located just minutes from Aberdeen in neighboring Pinehurst, this highly-rated mortgage brokerage has served the Sandhills region for over two decades. Pinehurst Mortgage consistently earns exceptional reviews for their personalized service, competitive rates, and expertise in navigating complex loan scenarios. Their team of experienced loan officers specializes in helping Aberdeen homebuyers secure optimal financing solutions, with particular strength in VA loans given the region's military population. Customers consistently praise their responsiveness, attention to detail, and ability to close loans efficiently while providing clear communication throughout the process.
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Movement Mortgage
Movement Mortgage, LLC
With a strong local presence in Southern Pines serving the Aberdeen area, Movement Mortgage combines national lending power with local expertise. Founded in 2008, this reputable lender has built a strong reputation for streamlined digital processes, competitive rates, and exceptional customer service. Their local loan officers have extensive knowledge of the Moore County housing market and offer a wide range of loan products to meet diverse borrower needs. Movement Mortgage is particularly noted for their efficient underwriting process and commitment to closing loans on time, making them a popular choice for Aberdeen homebuyers seeking reliable, professional mortgage services.
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Frequently Asked Questions
Common questions about mortgage lending in Aberdeen, NC
Are there any first-time homebuyer assistance programs specific to Aberdeen, NC?
Yes, the North Carolina Housing Finance Agency (NCHFA) offers statewide programs like the NC Home Advantage Mortgage™ with down payment assistance, which is actively used by buyers in Aberdeen. Additionally, Moore County may have local initiatives or grants; it's recommended to consult with a local lender who is well-versed in these state and potential county-specific opportunities to maximize your benefits.
How do property taxes in Moore County impact my mortgage payments in Aberdeen?
Moore County's property tax rate is a significant component of your monthly escrow payment. The combined rate for Aberdeen is approximately 0.74% to 0.77% of the assessed value. Your lender will calculate this into your monthly payment, and it's wise to budget for potential increases as property values in the Sandhills region continue to appreciate.
What types of properties in Aberdeen might require specialized mortgage loans?
Given Aberdeen's location near Pinehurst and its mix of older homes, golf course properties, and new developments, you may need specific loan products. For example, a condominium on a golf course might require a condo loan with specific project approval, while purchasing a historic home in the downtown area could involve renovation loans like the FHA 203(k) to update the property.
How competitive is the mortgage market in Aberdeen, and how can I get pre-approved quickly?
The Aberdeen market is competitive due to high demand from retirees, military families from Fort Bragg, and golf enthusiasts. To compete, obtaining a strong pre-approval from a local lender or credit union is crucial. Local lenders often have faster turnaround times and better understanding of appraisals in Moore County's unique market compared to large national banks.
Does Aberdeen's proximity to Fort Bragg affect mortgage lending options?
Absolutely. Many lenders in the area are experienced with VA loans, which are a popular and powerful option for active-duty military, veterans, and their families stationed at or retiring near Fort Bragg. These loans often offer competitive rates and require no down payment, making them a key consideration for a sizable portion of Aberdeen's homebuying population.
Nearby Cities
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Why Choose a Mortgage Lender in Aberdeen?
Local Market Knowledge
Lenders who understand Aberdeen's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in North Carolina.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Aberdeen and get competitive rates on your home loan.