The Best Mortgage Lenders in Greenville, NC
Compare verified mortgage lenders serving Greenville, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Greenville
Featured Mortgage Lenders
Coastal Credit Union Mortgage Department
Coastal Credit Union
Coastal Credit Union stands out as one of North Carolina's most respected mortgage lenders with extensive experience serving the Greenville area. As a member-owned financial cooperative, they offer highly competitive rates and personalized service. Their mortgage team specializes in first-time homebuyer programs and offers a wide range of loan products with local underwriting decisions. With numerous branches throughout Eastern North Carolina and excellent digital banking capabilities, they provide convenient service for Greenville residents. Their high customer satisfaction ratings reflect their commitment to making the mortgage process straightforward and transparent.
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Movement Mortgage Greenville Team
Movement Mortgage
Movement Mortgage maintains a strong physical presence in Greenville with a dedicated local team that understands the Eastern North Carolina housing market. Known for their efficient processing and competitive rates, they've built a reputation for closing loans quickly while maintaining excellent customer service. Their local loan officers have deep knowledge of Greenville's neighborhoods and housing trends. Movement offers a comprehensive range of mortgage products with particular strength in VA and FHA loans, making them popular with military families from nearby Seymour Johnson Air Force Base and veteran homebuyers throughout the region.
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First Bank Mortgage Services
First Bank
First Bank has deep roots in Eastern North Carolina with multiple branches serving the Greenville community. Their local mortgage experts provide personalized service with the stability of a well-established regional bank. They excel at construction and renovation loans, which is particularly valuable in Greenville's growing market. First Bank's decision-making happens locally, allowing for more flexibility and faster turnaround times. Their long-standing presence in the community means they understand the local real estate market dynamics and can provide tailored mortgage solutions for Greenville homebuyers at various price points.
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Frequently Asked Questions
Common questions about mortgage lending in Greenville, NC
Are there any special first-time homebuyer programs available specifically in Greenville, NC?
Yes, the City of Greenville offers the Greenville Home Ownership Program (GHOP), which provides down payment and closing cost assistance in the form of a deferred, forgivable loan. This program is designed for low-to-moderate income first-time homebuyers purchasing within the city limits. Additionally, North Carolina's NC Home Advantage Mortgage™ program is widely used in the area, offering down payment assistance and competitive rates.
How does being a college town (home to ECU) affect the mortgage and housing market in Greenville?
The presence of East Carolina University creates a stable rental market and consistent demand for housing, which can support property values. For mortgage lenders, this often means they are familiar with financing for both primary residences and investment properties aimed at student housing. However, competition can be fierce for starter homes near campus, so getting pre-approved is especially critical for buyers in this market.
What are typical property taxes like in Greenville, NC, and how do they impact my monthly mortgage payment?
Pitt County, where Greenville is located, has a combined property tax rate that is relatively moderate for North Carolina. For a home inside the Greenville city limits, the 2024 combined rate is approximately $1.12 per $100 of assessed value. Your lender will calculate an estimated monthly amount for taxes and include it in your escrow payment, which is part of your total monthly mortgage payment, so it's a key factor in budgeting.
Are USDA rural development loans a viable option for homes in Greenville, NC?
Absolutely. While Greenville is an urban center, many of the surrounding suburbs and neighborhoods in Pitt County are eligible for USDA loans, which offer 100% financing with no down payment. Specific areas just outside the core city limits often qualify, making this a powerful tool for eligible buyers with moderate incomes looking to purchase in the greater Greenville area. A lender can provide a precise eligibility map.
How do local lenders in Greenville differ from national banks for getting a mortgage?
Local lenders, such as regional credit unions and community banks, often have deeper knowledge of Greenville's specific neighborhoods and appraisal values. They may also have more flexibility with portfolio loans and can be more familiar with state and local assistance programs like GHOP. National banks may offer streamlined online processes, but a local lender can provide personalized guidance through the nuances of the Pitt County market.
Why Choose a Mortgage Lender in Greenville?
Local Market Knowledge
Lenders who understand Greenville'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 Greenville and get competitive rates on your home loan.