The Best Mortgage Lenders in Buies Creek, NC
Compare verified mortgage lenders serving Buies Creek, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Buies Creek
Featured Mortgage Lenders
State Employees' Credit Union (SECU)
State Employees' Credit Union
As North Carolina's largest credit union with extensive branch coverage throughout Harnett County and the surrounding area, SECU provides exceptional mortgage services to Buies Creek residents. With their not-for-profit structure, they offer highly competitive rates and lower fees than traditional banks. Their local branch presence in nearby Fuquay-Varina (just 15 miles from Buies Creek) ensures personalized service and community-focused lending. SECU consistently receives outstanding customer satisfaction ratings for their mortgage process, with particular strength in first-time homebuyer programs and member education.
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Movement Mortgage
Movement Mortgage, LLC
Founded in North Carolina and now serving all 50 states, Movement Mortgage maintains strong roots in the Tar Heel state with excellent service for Buies Creek homebuyers. They're particularly renowned for their "Upfront Underwriting" process that provides faster closings and more certainty for buyers. With extensive experience serving military families near Fort Bragg and throughout the Sandhills region, they excel in VA loans and conventional financing. Their digital mortgage platform combined with local loan officer support makes them a top choice for competitive rates and efficient service in the Buies Creek market.
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First Bank
First Bank
As a community-focused bank with deep roots in Harnett County, First Bank has served Buies Creek residents for decades through their Lillington branch located just 5 miles away. They offer personalized mortgage services with local decision-making and competitive rates tailored to the regional market. Their construction-to-permanent loan programs are particularly strong for new home builds in growing areas like Buies Creek. With extensive experience serving both urban and rural properties in the area, they provide knowledgeable guidance on USDA loans and other programs suitable for the Buies Creek housing market.
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Frequently Asked Questions
Common questions about mortgage lending in Buies Creek, NC
Are there any first-time homebuyer programs specifically for Buies Creek, NC, that can help with down payments?
While Buies Creek itself does not have a city-specific program, homebuyers in Harnett County can utilize the NC Home Advantage Mortgage™ program, which offers down payment assistance up to 5% of the loan amount. This is particularly valuable in Buies Creek's market, where Campbell University employees and first-time buyers can benefit from competitive, fixed-rate mortgages paired with this assistance.
How does the presence of Campbell University impact the mortgage and housing market in Buies Creek?
Campbell University creates a stable, high-demand rental market, making investment properties attractive for buyers considering a house hack or rental income. For primary residences, lenders may view employment at the university favorably due to job stability. However, competition can be higher for homes close to campus, potentially affecting appraisals and requiring strong pre-approvals.
What are typical property taxes in Buies Creek, and how should I factor them into my mortgage payment?
Harnett County property taxes are relatively moderate for North Carolina. For Buies Creek specifically, the 2024 county rate is approximately 0.765%. On a $300,000 home, expect annual taxes around $2,295. Your lender will escrow this amount, dividing it into your monthly mortgage payment, so it's crucial to budget for this local cost beyond just principal and interest.
Is USDA Rural Housing financing available for homes in Buies Creek, NC?
Yes, much of Buies Creek and surrounding Harnett County is eligible for USDA loans, which offer 100% financing with no down payment. This is a major advantage for eligible buyers, as it makes homeownership more accessible in this area. A local mortgage lender can confirm the specific eligibility of a property address using the USDA eligibility map.
How do mortgage rates and lending in Buies Creek compare to nearby larger cities like Raleigh or Fayetteville?
Mortgage rates are generally set nationally, so Buies Creek rates are comparable. However, local lenders familiar with Harnett County may offer more personalized service and understand the unique appraisal considerations for properties transitioning from rural to more developed areas. Closing costs may also vary slightly based on local attorney and title company fees.
Why Choose a Mortgage Lender in Buies Creek?
Local Market Knowledge
Lenders who understand Buies Creek'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 Buies Creek and get competitive rates on your home loan.