The Best Mortgage Lenders in Harris, NC
Compare verified mortgage lenders serving Harris, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harris
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is one of the top-rated mortgage lenders serving North Carolina with a strong presence in the Charlotte metropolitan area that extends to Harris and surrounding rural communities. Founded in 2008, they've built an exceptional reputation for fast closings and excellent customer service. As a direct lender, they process and underwrite loans in-house, which often results in quicker approval times. Their specialization in various loan types including USDA loans makes them particularly well-suited for the Harris area's rural character. They consistently receive high marks for their transparent process, competitive rates, and local expertise in North Carolina mortgage markets.
Loan Types:
PrimeLending
PrimeLending, A PlainsCapital Company
PrimeLending has been serving North Carolina homebuyers for over three decades with a strong Charlotte presence that extends to rural areas like Harris. They are particularly noted for their expertise in government-backed loans including USDA loans, which are highly relevant for Harris's rural location. With an A+ BBB rating and numerous industry awards, they offer personalized service through local loan officers who understand the specific needs of Western North Carolina communities. Their digital mortgage platform combined with local expertise provides a streamlined experience, and they're known for offering competitive rates with various down payment assistance programs suitable for first-time homebuyers.
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New American Funding
New American Funding
New American Funding has a strong presence in Western North Carolina with local offices that serve the Harris area. They are particularly recognized for their diverse loan programs and commitment to serving all community segments, including their special focus on helping minority homebuyers. With extensive experience in rural lending and USDA loans, they're well-equipped to handle the specific requirements of Harris properties. They service 99% of their loans, meaning customers maintain a relationship with them rather than having their loan sold to another servicer. Their local Asheville-based team understands the regional market dynamics and provides personalized guidance throughout the mortgage process.
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Frequently Asked Questions
Common questions about mortgage lending in Harris, NC
What are the current mortgage rates like in Harris, NC, and how do they compare to the state average?
Mortgage rates in Harris, NC, are generally in line with national and state averages, but can be influenced by the rural nature of Cherokee County. As of recent trends, rates for a 30-year fixed mortgage in the area are competitive. It's advisable to work with a local lender familiar with the region, as they may have access to specific programs or relationships that can offer favorable terms compared to broader state averages.
Are there any down payment assistance programs specifically for homebuyers in Harris, NC?
Yes, homebuyers in Harris can access 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. This statewide program is particularly valuable in Harris, where median home prices are often more accessible than in urban centers, making the assistance go further. Eligibility is based on income and credit score.
How does the appraisal process work for a home in a rural area like Harris, given the unique properties and land?
Appraisals in Harris and surrounding Cherokee County require appraisers with specific expertise in rural properties. They must evaluate not just the home but also the land value, well and septic systems (common in the area), and comparable sales which can be fewer and farther between. This process can sometimes take longer than in urban markets, so buyers should build extra time into their closing timeline.
What should I know about property taxes and insurance when budgeting for a mortgage in Harris, NC?
Cherokee County property taxes are relatively low compared to many parts of North Carolina, which is a benefit for Harris homeowners. However, due to the rural setting and distance from fire hydrants and stations, homeowners insurance premiums can be higher, especially if the property includes substantial acreage or outbuildings. Your lender will help you estimate these costs for an accurate total monthly payment.
Are USDA loans a common and good option for buying a home in Harris, NC?
Absolutely. Given Harris's designation as a rural area by the USDA, many properties qualify for USDA Section 502 Guaranteed Loans. These loans offer 100% financing (no down payment), competitive interest rates, and more flexible credit guidelines. This is one of the most advantageous programs for eligible buyers looking in this market, making homeownership more accessible.
Why Choose a Mortgage Lender in Harris?
Local Market Knowledge
Lenders who understand Harris'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 Harris and get competitive rates on your home loan.