• No application, processing or documentation fees!*
• Extremely competitive rates and up to 60-day rate locks
• Fast & free pre-approvals – typically 24-48 business hours

Fixed Rate Mortgage A mortgage where the monthly principal and interest payments remain the same throughout the life of the loan - most common terms are 30 and 15 years. With a 30-year fixed rate term your monthly payments are lower than they would be on a 15 year fixed rate, but the 15 year loan allows you to repay your loan twice as fast and save more than half the total interest costs. Learn More Click here for rates and important disclosures

Adjustable Rate Mortgage An adjustable rate mortgage (ARM) is a loan type that allows the lender to adjust the interest rate during the loan term. Generally, these changes are determined by a margin and an index so that the interest rate changes, up or down, are based on market conditions at the time of the change. ARMs typically offer a lower initial interest rate and therefore a more affordable monthly payment than a fixed-rate mortgage. Learn More Click here for rates and important disclosures

"If you're looking to purchase or refinance your home, we invite you to consult with our experts to find the mortgage that's right for you. We've already helped hundreds of members with purchases or to get out of mortgages that were not right for them, and into a mortgage that saved them thousands of dollars and fit their goals and budget. Don't wait, we can do the same for you!” – Mike Sisk, SVP Lending

*Third party charges, origination fees, points and interim interest may apply. Savings based on bankrate.com 2009 average closing cost studies for NC and SC, based on a $200,000 purchase loan amount.