North Carolina Home Financing

Home values in some parts of North Carolina have experience moderate growth. Median single-family home prices in the Raliegh/Durham area were $177,600 in 2003, a 2.1 percent increase from the previous year, according to the National Association of Realtors. Beyond having a good sense of the local housing market, as a first-time home buyer or homeowner you’ll also want to know of financing available to you.

First, there are two types of home loans: Fixed Rate and Adjustable Rate Mortgages (ARMS). Fixed Rate Mortgages come in 15 and 30-year terms and payments remain the same through the life of the loan. ARMS are less predictable, offering lower interest rates initially and payments that may fluctuate at a regular rate. It is also noteworthy that special mortgages are available to help first-time buyers obtain a loan who have poor credit or limited income; check with your local lender or government agency for information.

If you’re already a homeowner, your old mortgage may no longer be suited to your needs. If you’re interested in getting a lower interest rate and lower mortgage payments, talk to a lender about refinancing your mortgage. And if you’re looking to renovate your home, a second mortgage or home improvement loan might be right for you. Or maybe you want to get some of the cash out of your home by taking out a home equity loan.

These options represent an overview of home financing available to buyers and owners. Be sure to discuss your unique circumstances with your lender, as other loans tailored to your specific needs may be available.


With interest rates at all-time lows, there has never been a better time to refinance.
Take advantage of getting additional cash out to improve your home, buy a new car, or pay for a child’s education. will provide you with competitive loan quotes from up to four lenders. Different types of refinance loans offered are 30-year fixed, 15-year fixed, adjustable rate, and interest only. You’ll receive the best rates and options available, regardless of your credit. It takes less than a minute to apply, and you have nothing to lose. Find your refinance loan right now.


Shopping for a loan has never been easier. MoneyNest is an online loan marketplace that allows you to send a single application to over 400 lenders. Submit your application and get access to low rates on a second mortgage, refinance, home equity line of credit, or a home improvement or debt consolidation loan. Get up to 4 FREE quotes.

DebtWave Credit Counseling, Inc.

DebtWave Credit Counseling, Inc. offers a program to its clients that enables them to repay their debt in a timely fashion. We specialize in working primarily credit cards; however, we are usually able to assist clients with any bills that are considered to be unsecured. Below is a list of benefits that we are typically able to obtain for our clients:
– Reduce your interest rates
– Lower your monthly payment
– Consolidate into one monthly payment
– Eliminate late & overlimit fees
– Stop harassing phone calls (if behind)


The advantage of having an easy-to-follow, step-by-step investing process with easy-to-use Web-based tools is that you rely on facts to make decisions – not emotions. The benefits are less stress, better results and, dare we say it, fun.

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Financial Entrepreneur

I'm passionate about business and finance. After working 10 years for an international organisation, earning more money than most people would need to have very good life, I decided to jump on my own life and businesses. My main incomes are from my financial investments and businesses.

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