We offer various purchase loans for your unique circumstances.
Fixed-Rate Mortgage
Ideal for: Borrowers who prefer stable principal and interest payments on their mortgage.
- Includes a fixed interest rate that won’t change over the life of the loan.
Adjustable-Rate Mortgage
Ideal for: Borrowers who plan to move or refinance before the fixed-rate period on their loan ends.
- Includes a variable rate, which can change based on market conditions.
- Typically begins with a mortgage rate that is lower than fixed-rate loans.
- Comes with a lifetime adjustment cap, which often means the variable rate can’t jump by more than five percentage points over the life of the loan.
Jumbo Mortgage
Ideal for: Borrowers who need a mortgage that exceeds conforming loan limits.
- Includes stricter credit score and down payment requirements than conforming loans.
- Typically has a wider range of eligible property types.
Tracie Worley
Mortgage Banking Manager
Serving Johnston County,
Harnett County, and Wayne County
1031 N. Brightleaf Blvd.
Smithfield NC 27577
(919) 938-2652
NMLS #452431
Smithfield NC 27577
(919) 938-2652
NMLS #452431
James Boring
Mortgage Loan Officer
Serving Johnston County,
Wake County, and Wilson County
Wake County, and Wilson County
11591 Clayton Blvd.
Clayton, NC 27520
(919) 550-0200
NMLS#: 2418880
(919) 550-0200
NMLS#: 2418880