The Best Mortgage Lenders in Everetts, NC
Compare verified mortgage lenders serving Everetts, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Everetts
Featured Mortgage Lenders
New American Funding
New American Funding
New American Funding is a highly-rated mortgage lender with over two decades of experience, known for its competitive rates and exceptional customer service. They specialize in a wide range of loan products, including government-backed and jumbo loans, and have a strong regional presence in eastern North Carolina. Their team in Greenville serves Everetts and surrounding areas, offering personalized guidance and fast processing, backed by numerous positive reviews for reliability and satisfaction.
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Movement Mortgage
Movement Mortgage
Movement Mortgage is a top-ranked lender praised for its efficient loan processing and community-focused approach. Founded in 2008, they have built a reputation for transparency and competitive pricing, with a dedicated team in eastern NC serving Everetts. Their extensive loan options and high customer satisfaction ratings make them a preferred choice for homebuyers in the region, emphasizing local support and digital convenience.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation has been a trusted name in the mortgage industry since 1996, offering comprehensive loan solutions with a focus on customer care and competitive rates. Their Greenville branch actively serves Everetts and nearby communities, providing expertise in various loan types and a streamlined application process. With hundreds of positive reviews, they are recognized for their reliability, local involvement, and commitment to helping clients achieve homeownership.
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Frequently Asked Questions
Common questions about mortgage lending in Everetts, NC
What are the typical down payment assistance programs available for homebuyers in Everetts, NC?
In Everetts and Martin County, homebuyers often utilize the NC Home Advantage Mortgage™ program, which offers down payment assistance up to 5% of the loan amount in the form of a 0% interest, forgivable second mortgage. Additionally, the USDA Rural Development loan is a popular zero-down-payment option, as much of the area qualifies for this program, making homeownership more accessible for lower-income buyers in this rural community.
How do property taxes in Martin County affect my monthly mortgage payment in Everetts?
Martin County has a relatively low property tax rate compared to more urban areas of North Carolina, which can make monthly payments more manageable. For the 2023-2024 fiscal year, the rate is approximately $0.765 per $100 of assessed value. Your lender will calculate an escrow payment based on this rate and the assessed value of your home, which is typically bundled into your monthly mortgage payment.
Are there specific mortgage lenders familiar with the unique aspects of buying a home in Everetts, such as well and septic systems?
Yes, local and regional lenders in Eastern North Carolina are often more experienced with the rural underwriting requirements common in Everetts. They understand how to properly appraise properties with private well and septic systems, which are standard here, and can guide you through any additional inspections or certifications required by loan programs, avoiding delays that might occur with out-of-area lenders.
What is the current average interest rate for a mortgage in the Everetts area, and how does it compare to state averages?
Mortgage rates in Everetts generally align with national and state averages, as they are set by broader economic factors. However, buyers with strong credit profiles may find competitive rates from local credit unions like Local Government Federal Credit Union (LGFCU) or Southern Bank. It's always wise to shop around, as even a slight rate difference can have a significant impact over the life of a loan in this affordable market.
As a first-time homebuyer in Everetts, am I eligible for any city or county-specific closing cost assistance?
While Everetts itself does not offer a city-specific program, Martin County partners with the NC Housing Finance Agency to administer the Community Partners Loan Pool. This can provide qualified first-time homebuyers with additional assistance for down payment and closing costs. You should also consult with a HUD-approved housing counselor in Eastern NC to explore all available local grants and soft-second mortgage options.
Nearby Cities
Explore mortgage lenders in cities near Everetts, NC
Why Choose a Mortgage Lender in Everetts?
Local Market Knowledge
Lenders who understand Everetts'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 Everetts and get competitive rates on your home loan.