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Williamston, NC

The Best Mortgage Lenders in Williamston, NC

Compare verified mortgage lenders serving Williamston, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
950+
Reviews
12
Loan Types

Available Loan Programs in Williamston

Fixed-rate mortgages
Adjustable-rate mortgages
FHA loans
VA loans
USDA loans
Jumbo loans
Refinancing
Conventional loans
First-time homebuyer programs
Conventional mortgages
Construction-to-permanent loans
Home equity loans

Featured Mortgage Lenders

1

State Employees' Credit Union Mortgage Department

State Employees' Credit Union

★★★★☆
4.8/5

As North Carolina's largest credit union with a physical branch located directly in Williamston, SECU offers exceptional mortgage services to members across Martin County. With over eight decades of serving North Carolinians, they provide competitive rates, low fees, and personalized service. Their local presence ensures Williamston residents receive face-to-face guidance throughout the mortgage process, combined with the stability of a well-established financial institution known for putting members first rather than shareholders.

Experience:85 years
Reviews:450 customer reviews
109 East Boulevard, Williamston, NC 27892

Loan Types:

Fixed-rate mortgagesAdjustable-rate mortgagesFHA loansVA loansUSDA loansJumbo loansRefinancing
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2

Movement Mortgage Williamston Team

Movement Mortgage

★★★★☆
4.7/5

Movement Mortgage has established a strong presence throughout Eastern North Carolina, including dedicated service to Williamston area homebuyers. Known for their efficient processing and competitive rates, they specialize in making the mortgage experience straightforward and transparent. Their local loan officers understand the Martin County real estate market and provide personalized service with the backing of a national lender's resources. They're particularly praised for their quick closing times and excellent customer communication throughout the loan process.

Experience:15 years
Reviews:300 customer reviews
Serving Williamston and Eastern NC region

Loan Types:

Conventional loansFHA loansVA loansUSDA loansJumbo loansRefinancingFirst-time homebuyer programs
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3

Southern Bank Mortgage Services

Southern Bank and Trust Company

★★★★☆
4.6/5

As a community bank deeply rooted in Eastern North Carolina, Southern Bank has been serving Williamston residents for generations. Their mortgage department offers the advantage of local decision-making combined with competitive products. They're particularly strong in construction lending and portfolio loans, providing flexibility that larger national lenders often cannot match. With their physical branch located in Williamston, they offer convenient local service and underwriting, and their long-standing community presence ensures they understand the local real estate market dynamics.

Experience:120 years
Reviews:200 customer reviews
109 East Boulevard, Williamston, NC 27892

Loan Types:

Conventional mortgagesConstruction-to-permanent loansFHA loansVA loansRefinancingHome equity loans
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Frequently Asked Questions

Common questions about mortgage lending in Williamston, NC

Are there any first-time homebuyer assistance programs specific to Williamston, NC?

Yes, the North Carolina Housing Finance Agency (NCHFA) offers statewide programs like the NC Home Advantage Mortgage™ with down payment assistance, which is actively used in Williamston. Additionally, Martin County or the City of Williamston may occasionally offer local grants or subsidized loans for income-eligible buyers, so it's wise to check with the Williamston Town Hall or a local HUD-approved housing counselor.

How do property taxes in Martin County affect my mortgage payments in Williamston?

Martin County has a relatively low property tax rate compared to larger NC metros, which can make monthly mortgage payments more affordable. For the 2023-2024 fiscal year, the rate is $0.795 per $100 of assessed value. Your lender will include an estimated monthly amount for taxes in your escrow payment, and it's important to factor this into your overall budget when shopping for a home in Williamston.

What types of properties are most common for mortgage lending in Williamston, and does that affect loan types?

Williamston features a mix of historic homes in its downtown district, newer subdivisions, and rural properties on the outskirts. For standard single-family homes in town, conventional and FHA loans are very common. However, if you're looking at a home with acreage or a more unique property type, you may need to discuss specific rural or non-warrantable loan options with a local lender familiar with the area.

Is homeowner's flood insurance typically required for mortgages in Williamston, NC?

Due to Williamston's location along the Roanoke River, flood insurance is a critical consideration. While not required for every property, many homes in certain flood zones (especially near the river or creeks) will mandate flood insurance as a condition of the mortgage. A lender will order a Flood Zone Determination, and it's highly recommended to investigate this early in the process, as it adds to your monthly housing cost.

How competitive is the mortgage rate environment in Williamston compared to the national average?

Mortgage rates in Williamston generally align with national and state averages. However, working with a local credit union, like Local Government Federal Credit Union (LGFCU) which has a strong presence in Eastern NC, or a community bank can sometimes provide competitive rate offerings or special programs for Martin County residents. It's always beneficial to get quotes from both local and national lenders.

Nearby Cities

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Why Choose a Mortgage Lender in Williamston?

Local Market Knowledge

Lenders who understand Williamston'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 Williamston and get competitive rates on your home loan.