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%Start 10 Best NCHFA Mortgage Lenders of 2021 - NerdWallet Advertiser disclosure
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Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research.
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Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.BEST OF
10 Best NCHFA Mortgage Lenders of 2021
The North Carolina Housing Finance Agency provides mortgage and assistance programs to would-be home buyers. See our top picks for NCHFA lenders.NerdWallet Jan 22, 2021 Many or all of the products featured here are from our partners who compensate us.
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This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
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Our opinions are our own. Here is a list of our partners and here's how we make money. The North Carolina Housing Finance Agency, or NCHFA, offers mortgage products and home buyer programs to make homeownership more affordable in the Tar Heel State.
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NCHFA loans and assistance are offered through a statewide network of participating lenders, but it’s up to you to select the one you’ll work with. Not sure how to choose?
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We can help. To narrow your search, NerdWallet reviewed some NCHFA participating lenders, identifying the best ones across several categories. Compare the lenders below to get started.
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» MORE: See NCHFA loan programs, rates and income limits
The North Carolina Housing Finance Agency, or NCHFA, offers mortgage products and home buyer programs to make homeownership more affordable in the Tar Heel State. NCHFA loans and assistance are offered through a statewide network of participating lenders, but it’s up to you to select the one you’ll work with.
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To narrow your search, NerdWallet reviewed some NCHFA participating lenders, identifying the best ones across several categories. Compare the lenders below to get started.
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» MORE: See NCHFA loan programs, rates and income limits
Best NCHFA Mortgage Lenders
LenderNerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.Min. credit score Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standardsMin.
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down paymentLearn more
New American Funding NMLS#6606Learn more
at New American Funding
4.5/5
Best for Spanish speakers620
FHA:500JUMBO:N/AUSDA:640VA:500CONVENTIONAL:6203%New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois.Learn more
at New American Funding
Fairway Independent Mortgage NMLS#2289Learn more
at Fairway Independent Mortgage
3.5/5
Best for digital experience620
CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:6403%Fairway Independent Mortgage offers conventional mortgages with flexible terms and mortgage insurance options on down payments less than 20%.Learn more
at Fairway Independent Mortgage
Guild Mortgage NMLS#3274Read review
3.5/5
Best for digital experience620
VA:N/AUSDA:N/AJUMBO:N/AFHA:N/ACONVENTIONAL:6203%Guild Mortgage offers conventional loans with as little as 3% down.Read review
SunTrust Truist NMLS#2915Read review
4.5/5
Best for Spanish speakers620
VA:620USDA:640JUMBO:N/AFHA:620CONVENTIONAL:6203%SunTrust Mortgage offers conventional loans for as little as 3% down.Read review
PrimeLending NMLS#13649Read review
3.5/5
Best for veterans580
CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:5800%On VA loans, PrimeLending offers down payments as low as 0%.Read review
Caliber NMLS#15622Read review
3.5/5
Best for veterans580
VA:580USDA:N/AFHA:580CONVENTIONAL:620JUMBO:6800%On VA loans, Caliber offers down payments as low as 0%.Read review
State Employees Credit Union NMLS#430055Read review
4.5/5
Best for customer serviceN/A
JUMBO:N/ACONVENTIONAL:N/A0%SECU offers conventional loans with as little as 0% down.Read review
BB&T (Truist): NMLS#399803Read review
4.5/5
Best for customer service620
VA:N/AUSDA:640JUMBO:N/ACONVENTIONAL:6203%BB&T Mortgage offers conventional loans for as little as 3% down.Read review
Homebridge NMLS#6521Read review
3.5/5
Best for a nonbank experience620
FHA:550USDA:550CONVENTIONAL:620JUMBO:N/AVA:5503%Homebridge offers conventional loans for as little as 3% down.Read review
Churchill NMLS#1591Read review
3.5/5
Best for a nonbank experience620
VA:N/AUSDA:N/AFHA:580CONVENTIONAL:6203%Churchill offers 3% down payments on loans for first-time home buyers.Read reviewLearn more
at New American Funding
New American Funding NMLS#6606
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620 FHA:500JUMBO:N/AUSDA:640VA:500CONVENTIONAL:620 Min.
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down payment3%
New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois. View details Learn moreat New American Funding
View details Why we like it
Good for: First-time home buyers and other borrowers looking for a broad array of loan choices. Pros
Offers a wide variety of purchase and refinance mortgages with an emphasis on helping underserved communities.
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Its home equity line of credit can be used for an owner-occupied or second home. Offers a program to enable buyers to make cash offers.
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Cons
Mortgage origination fees tend to be on the high end, according to the latest federal data.Read Full ReviewLearn more
at Fairway Independent Mortgage
Fairway Independent Mortgage NMLS#2289
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620 CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:640 Min.
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down payment3%
Fairway Independent Mortgage offers conventional mortgages with flexible terms and mortgage insurance options on down payments less than 20%. View details Learn moreat Fairway Independent Mortgage
View details Why we like it
Good for: borrowers who want access to a wide variety of mortgages, including renovation loans and ITIN loans. Pros
Offers a robust suite of loan products, including ITIN loans for borrowers without Social Security numbers, renovation loans, government-backed mortgages and loans for self-employed borrowers.
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Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
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Cons
Mortgage rates for different types of loans aren't posted online. Origination fees are on the high side compared with other lenders, according to the latest federal data.Read Full ReviewRead review
Guild Mortgage NMLS#3274
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
VA:N/AUSDA:N/AJUMBO:N/AFHA:N/ACONVENTIONAL:620
Min. down payment3%
Guild Mortgage offers conventional loans with as little as 3% down.
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View details Read reviewView details Why we like it
Good for: borrowers who value customer service, and first-time home buyers and others who may need the flexibility of a low-down-payment loan program. Pros
Offers a wide variety of loan products, including home improvement loans and mortgages for manufactured homes. Has retail branches in most states.
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Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
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Cons
Does not offer home equity loan products. Origination fees tend to be higher, according to the latest federal data.Read Full ReviewRead review
SunTrust Truist NMLS#2915
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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31 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
VA:620USDA:640JUMBO:N/AFHA:620CONVENTIONAL:620
Min.
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down payment3%
SunTrust Mortgage offers conventional loans for as little as 3% down. View details Read reviewView details Why we like it
Good for: first-time home buyers, doctors and other borrowers interested in low-down-payment mortgage options. Pros
Offers a wide variety of loan options, including special programs for doctors.
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Offers a complete suite of online mortgage application tools and loan tracking. Sample rates and fees are easy to find on the website. Cons
Customized rates aren't available online without starting an application.
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Branches are limited mostly to the Southeast.Read Full ReviewRead review
PrimeLending NMLS#13649
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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credit score580
CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:580
Min. down payment0%
On VA loans, PrimeLending offers down payments as low as 0%.
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33 likes
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View details Read reviewView details Why we like it
Good for: borrowers looking for closing cost assistance, as well as those seeking to renovate or to build a new home. Pros
Full online application includes document uploads and automated loan updates. Offers a "float-down" interest rate lock.
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Offers government-backed mortgage and refinance options, including FHA, USDA and VA loans. Cons
No online mortgage rates — you have to contact the lender for info. Doesn't offer home equity products.Read Full ReviewRead review
Caliber NMLS#15622
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score580
VA:580USDA:N/AFHA:580CONVENTIONAL:620JUMBO:680
Min. down payment0%
On VA loans, Caliber offers down payments as low as 0%.
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32 likes
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View details Read reviewView details Why we like it
Good for: first-time home buyers, veterans and those who may have credit challenges to overcome. Pros
Offers extensive educational resources for military borrowers.
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9 likes
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Participates in some down payment assistance and first-time home buyer programs. Cons
No mortgage rates displayed online. Doesn’t offer home equity loans or lines of credit.Read Full ReviewRead review
State Employees Credit Union NMLS#430055
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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5 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit scoreN/A
JUMBO:N/ACONVENTIONAL:N/A
Min. down payment0%
SECU offers conventional loans with as little as 0% down.
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View details Read reviewView details Why we like it
Good for: North Carolina government employees and other eligible borrowers interested in conventional loans with low down payment options. Pros
No private mortgage insurance required, even with a down payment less than 20%. 100% percent financing available.
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5 likes
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Participates in mortgage credit certificate and down payment assistance programs. Cons
Does not have government-backed loan options. Membership eligibility is limited, and loans are available only for properties located in Georgia, North Carolina, South Carolina, Tennessee and Virginia.Read Full ReviewRead review
BB& T Truist NMLS#399803
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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43 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
VA:N/AUSDA:640JUMBO:N/ACONVENTIONAL:620
Min.
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down payment3%
BB&T Mortgage offers conventional loans for as little as 3% down. View details Read reviewView details Why we like it
Good for: borrowers in the Southeast who want the option of face-to-face service.
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BB&T is now part of Truist Financial Corp., which offers a full menu of home loans. Pros
Offers a variety of home loans, including construction-to-permanent loans, physicians loans and jumbo loans.
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17 likes
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Has a robust online mortgage application. Cons
Branches limited to mostly the Southeast region. Custom rates are only available if you speak with a representative.Read Full ReviewRead review
Homebridge NMLS#6521
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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21 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
FHA:550USDA:550CONVENTIONAL:620JUMBO:N/AVA:550
Min. down payment3%
Homebridge offers conventional loans for as little as 3% down.
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35 likes
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View details Read reviewView details Why we like it
Good for borrowers who want a loan officer's help, in person or on the phone, when deciding among the wide range of available mortgage options — including loans to buy and renovate. Pros
Offers a full array of mortgage products, including government and renovation loans. Online portal keeps borrowers up to date on the loan application's progress.
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38 likes
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Offers home equity lines of credit, or HELOCs. Cons
Doesn't post interest rates on its site. Lender fees are on the high side, according to the latest federal data.Read Full ReviewRead review
Churchill NMLS#1591
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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39 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
VA:N/AUSDA:N/AFHA:580CONVENTIONAL:620
Min. down payment3%
Churchill offers 3% down payments on loans for first-time home buyers.
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35 likes
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View details Read reviewView details Why we like it
Offers flexibility for those without credit scores, but its “debt-free” guidance may not appeal to everyone. Pros
Offers loan plans for borrowers without credit scores. Offers digital conveniences such as document uploads and e-signature.
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16 likes
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Cons
Doesn't provide information online about rates and fees. Doesn't offer home equity loans or HELOCs. Lender fees are on the high side, according to the latest federal data.Read Full Review
More from NerdWallet:
See more North Carolina mortgage lenders
Calculate your mortgage payment
Compare North Carolina mortgage rates
Last updated on January 22, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage.
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The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team. To recap our selections...
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NerdWallet' s Best NCHFA Mortgage Lenders of 2021
New American Funding: Best for Spanish speakersFairway Independent Mortgage: Best for digital experienceGuild Mortgage: Best for digital experienceSunTrust (Truist): Best for Spanish speakersPrimeLending: Best for veteransCaliber: Best for veteransState Employees Credit Union: Best for customer serviceBB&T (Truist): Best for customer serviceHomebridge: Best for a nonbank experienceChurchill: Best for a nonbank experienceAbout the author
NerdWallet
Email
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