980-216-6648

Apply Now

980-216-6648 | Apply Now

Explore Your Home Loan Options in NC & SC

Carolinas Capital Lending

Whether you’re a first-time buyer or a seasoned homeowner, Carolinas Capital Lending offers loan programs to fit your goals. Below, you’ll find a breakdown of our most popular mortgage options—with key benefits, frequently asked questions, and simple guidance to help you choose the best fit.

Family Unpacking

Conventional | FHA | VA | USDA | Jumbo | First-Time Buyer

Apply Now

Loan Program Overview

Conventional Loans in NC & SC

Ideal for buyers with good credit and steady income.
Flexible terms, competitive rates, and fast closings.

Quick Facts:

  • As little as 3% down
  • 20% down avoids PMI
  • Student loans okay

Conventional Loans FAQ

  • What is a conventional loan?
    A conventional loan is a mortgage that’s not backed by a government agency and typically offers low rates to well-qualified borrowers.
  • How much down payment is needed for a conventional mortgage?
    You can put as little as 3% down, but 20% is preferred to avoid private mortgage insurance (PMI).
  • Can I get a conventional loan with student loans or debt?
    Yes, if your debt-to-income ratio meets the guidelines.

FHA Loans in NC & SC

Great for first-time buyers or buyers with limited savings.
Just 3.5% down and more lenient credit guidelines.

Quick Facts:

  • Minimum credit score: 580
  • Gift funds allowed for down payment
  • Ideal for buyers without 20% down

FHA Loans FAQ

Who qualifies for an FHA loan?

  • FHA loans are great for first-time buyers and those with lower credit or limited savings.
  • What is the minimum credit score for an FHA loan?
    Typically 580 with 3.5% down, though some lenders may accept lower with compensating factors.
  • Can I use gift funds for my down payment?
    Yes — FHA allows 100% of your down payment to come from gift funds.

VA Loans for Veterans in NC & SC

Zero-down financing for veterans, service members, and spouses.
No PMI and excellent rates.

Quick Facts:

  • 100% financing available
  • No monthly PMI
  • Requires VA Certificate of Eligibility

VA Loans FAQ

  • Who is eligible for a VA loan?
    Veterans, active-duty service members, and some surviving spouses with a valid Certificate of Eligibility.
  • Do VA loans require a down payment?
    No — VA loans offer 100% financing with no down payment.
  • Is there monthly mortgage insurance on VA loans?
    No — there’s no PMI on VA loans, making them highly affordable.

USDA Loans in Rural NC & SC

100% financing for rural/suburban buyers.
Backed by the U.S. Department of Agriculture.

Quick Facts:

  • Property must be in eligible location
  • Income limits apply
  • Ideal for low-to-moderate income households

USDA Loans FAQ

  • What areas qualify for USDA loans?
    Properties in eligible rural or suburban areas — we’ll help you check your address.
  • Are USDA loans only for first-time buyers?
    No — USDA is open to any eligible buyer who meets income and location requirements.
  • Is there a max income limit?
    Yes — USDA loans have income caps based on household size and location.

Jumbo Loans in NC & SC

Loans above $806,500 for high-value properties.
Tailored underwriting with strong terms for qualified buyers.

Quick Facts:

  • Typically 10%+ down required
  • Higher credit standards
  • Great for luxury or investment homes

JUMBO Loans FAQ

  • What is considered a jumbo loan in NC or SC?
    Any loan amount above $806,500 (or local conforming limit).
  • Do jumbo loans require a large down payment?
    Often yes — typically 10%–20%, depending on the loan structure.
  • Are jumbo loans harder to qualify for?
    They usually require stronger credit, income, and assets.

First-Time Buyer Programs in NC & SC

Affordable solutions for first-time homebuyers.
Low down payment, flexible credit, and access to grants.

Quick Facts:

  • 3 years since last home = first-time buyer
  • Can use FHA, USDA, or Conventional
  • Many local down payment assistance programs available

First Time Home Buyer Loans FAQ

  • What qualifies someone as a first-time homebuyer?
    Anyone who hasn’t owned a home in the past 3 years.
  • What assistance is available for first-time buyers?
    Down payment grants, reduced PMI, flexible credit options — we’ll help you find the best fit.
  • Can I use an FHA or USDA loan as a first-time buyer?
    Yes — both are commonly used by first-time homebuyers.

Not sure which loan is right for you?

Schedule a free consultation and we’ll walk you through your options with clarity and care.

Schedula a Call
Apply Now