The Best Mortgage Lenders in White Plains, NC
Compare verified mortgage lenders serving White Plains, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in White Plains
Featured Mortgage Lenders
Jason Waddell
Movement Mortgage
Movement Mortgage is one of the top-rated mortgage lenders serving North Carolina with exceptional customer satisfaction ratings. As a leading national lender with strong regional presence, they specialize in all major loan types including government-backed programs. Jason Waddell's team receives consistently excellent reviews for their responsive service, competitive rates, and smooth closing process. Their digital mortgage platform streamlines the application process while maintaining personalized service throughout.
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Mark Story
The Mortgage Company of the Carolinas
The Mortgage Company of the Carolinas has been serving North Carolina homebuyers for over two decades with outstanding reputation for customer service and local expertise. They specialize in guiding first-time homebuyers through the mortgage process while offering competitive rates across all loan programs. Their team has extensive experience with USDA and VA loans, making them particularly strong for buyers in rural areas like White Plains. Multiple reviews highlight their educational approach and commitment to finding the best solutions for each borrower's unique situation.
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Truliant Federal Credit Union Mortgage Department
Truliant Federal Credit Union
Truliant Federal Credit Union has been serving the Piedmont Triad region for over 65 years with excellent mortgage services and member-focused approach. As a not-for-profit financial institution, they often offer highly competitive rates and lower fees than traditional banks. Their mortgage team provides personalized service with deep knowledge of local market conditions in the White Plains area. They excel at construction loans and first-time homebuyer programs, with many members praising their straightforward process and exceptional customer support throughout the loan journey.
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Frequently Asked Questions
Common questions about mortgage lending in White Plains, NC
Are there any first-time homebuyer programs specifically for White Plains, NC that can help with down payment or closing costs?
While White Plains itself may not have a city-specific program, as part of Cleveland County, NC, buyers can access statewide initiatives like the NC Home Advantage Mortgage™ with down payment assistance. Additionally, the USDA Rural Development loan is a popular option in the White Plains area, as much of the surrounding county qualifies for this zero-down-payment program, making homeownership more accessible.
How do property taxes in Cleveland County affect my monthly mortgage payment in White Plains?
Cleveland County has a relatively low property tax rate compared to urban areas in NC, which helps keep escrow payments manageable. For 2023, the county rate was approximately 0.61% of assessed value. When calculating your total monthly mortgage payment (PITI), this favorable tax rate is a key factor that can make buying a home in White Plains more affordable over the long term.
What type of property appraisal challenges are common for mortgage loans in White Plains given its more rural setting?
Appraisals in White Plains and surrounding Cleveland County can sometimes be challenging due to fewer comparable home sales ("comps") than in denser suburban markets. Lenders often require appraisers with specific local knowledge to find appropriate comparisons, which can occasionally slow the process. It's wise to work with a lender familiar with the area to ensure a smooth appraisal.
Are interest rates typically different for mortgages in White Plains, NC compared to the national average?
Mortgage interest rates are primarily set by national markets, so White Plains rates are generally in line with national and state averages. However, your final rate will depend heavily on your personal credit profile and loan-to-value ratio. Working with a local credit union or community bank in Cleveland County can sometimes provide competitive rate options and personalized service.
What should I know about well and septic system requirements when getting a mortgage for a home in White Plains?
Many homes in White Plains are not on city water and sewer, so mortgages often require satisfactory water quality and flow tests for wells and a septic system inspection. These are typically mandatory conditions for loan approval. You should budget for these inspections ($500-$1,000) and be prepared for potential repair requirements, which are common in rural property purchases.
Why Choose a Mortgage Lender in White Plains?
Local Market Knowledge
Lenders who understand White Plains'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 White Plains and get competitive rates on your home loan.