The Best Mortgage Lenders in High Point, NC
Compare verified mortgage lenders serving High Point, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in High Point
Featured Mortgage Lenders
Kevin W. St. Louis
Movement Mortgage
Movement Mortgage has established itself as one of the top mortgage lenders in High Point with exceptional customer satisfaction ratings. As a national lender with strong local presence, they offer competitive rates and streamlined digital processes. Kevin W. St. Louis and his team specialize in serving the Piedmont Triad region with personalized service and expertise in all loan types including first-time homebuyer programs. Their high rating reflects consistent performance in closing loans efficiently while maintaining excellent communication throughout the process.
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Piedmont Advantage Credit Union Mortgage Department
Piedmont Advantage Credit Union
As a longstanding member-owned financial institution serving the High Point community for over 70 years, Piedmont Advantage Credit Union offers highly competitive mortgage rates and personalized service. Their mortgage team provides comprehensive guidance through the entire homebuying process with particular strength in first-time homebuyer programs and local market expertise. Members consistently praise their responsive service, transparent fee structure, and commitment to finding the best mortgage solutions for individual financial situations.
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Jason S. Weaver
Guild Mortgage Company
Guild Mortgage brings over 60 years of nationwide lending experience with a strong local presence in High Point through Jason Weaver's team. They excel in providing flexible underwriting and specialized loan programs, particularly for self-employed borrowers and unique financial situations. With extensive experience serving the Piedmont Triad market, they offer comprehensive digital tools combined with personalized local service. Their high customer satisfaction stems from reliable communication, competitive rates, and expertise in navigating complex loan scenarios.
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Frequently Asked Questions
Common questions about mortgage lending in High Point, NC
Are there any special mortgage programs for first-time homebuyers in High Point, NC?
Yes, the NC Home Advantage Mortgage™ program is widely available in High Point and offers down payment assistance up to 5% of the loan amount, which can be a grant or a 0% interest, forgivable loan. This is particularly helpful given High Point's median home prices. Additionally, the City of High Point itself occasionally offers targeted assistance programs for income-qualified buyers in specific neighborhoods, so it's wise to check with local housing nonprofits.
How does High Point's furniture market and seasonal events impact the local housing and mortgage climate?
The High Point Market (the furniture trade shows) creates a unique rental market for short-term accommodations, which can influence investment property lending. For primary residences, lenders are familiar with the local economy's stability tied to manufacturing and design. Mortgage underwriting here doesn't typically see the volatile seasonal swings found in pure tourist towns, but proof of stable income is key, especially for those employed in the furniture and logistics sectors.
What are typical down payment requirements for homes in High Point's varied neighborhoods, like Uptowne versus more suburban areas?
While standard loans (like conventional or FHA) have set minimums (3-3.5%), the required down payment in High Point can be influenced by the specific neighborhood's appraised values. Historic areas like Uptowne may have stricter appraisal requirements, potentially affecting loan-to-value ratios. In contrast, newer suburban developments in the north or west may have more straightforward valuations, but lenders will still assess property condition thoroughly.
Are USDA rural development loans a viable option for homebuyers in High Point, NC?
Absolutely. While High Point is an urban center, many of the surrounding areas in Guilford County and nearby counties like Randolph and Davidson are eligible for USDA loans, which offer 100% financing (no down payment). Specific neighborhoods on the city's outskirts may qualify, making this a powerful tool for buyers looking for more land or a quieter setting just minutes from the city.
How do property tax rates in High Point affect my monthly mortgage payment and qualification?
High Point's property tax rate (combined city and county) is a significant factor in your escrow payment. Guilford County's rate is currently around $0.7365 per $100 of assessed value. Lenders will calculate this into your debt-to-income ratio. It's important to budget for this, as it can add a meaningful amount to your monthly PITI (Principal, Interest, Taxes, Insurance) payment compared to locations with lower rates.
Nearby Cities
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Why Choose a Mortgage Lender in High Point?
Local Market Knowledge
Lenders who understand High Point'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 High Point and get competitive rates on your home loan.