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Refinancing in North Carolina
Looking to refinance in North Carolina? Compare the latest NC mortgage rates, lower your monthly payments, and access cash from your home with our simple refinance options.
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Best Mortgage Loan Programs in North Carolina | Lower Your Rate
Explore the best North Carolina home loan programs for purchase or refinance. Flexible options for first-time buyers and experienced homeowners alike.
01
30 Year Fixed Rate
Reliable refinancing with steady monthly payments and long-term stability. The 30-year fixed rate is the most popular mortgage option for homeowners.
02
15 Year Fixed Rate
Pay off your home faster with lower interest costs. A 15-year fixed rate provides stability, savings, and quicker equity growth.
03
FHA Loans
Low down payments and flexible terms make FHA loans ideal for first-time buyers and refinancers. Affordable and accessible.
04
Adjustable-Rate (ARM)
Start with lower monthly payments and flexible terms. ARMs offer 5-, 7-, or 10-year options for an affordable refinance or purchase.
05
Jumbo Loans
Start with lower monthly payments and flexible terms. ARMs offer 5-, 7-, or 10-year options for an affordable refinance or purchase.
06
VA Loans
Exclusive benefits for veterans and military families. VA loans offer low rates, no PMI, and trusted refinancing or purchase solutions.
North Carolina's Real Estate Market
North Carolina's housing market is exhibiting signs of stabilization in August 2025. The median home price stands at approximately $388,100, reflecting a 1.4% increase year-over-year. Homes are spending a median of 47 days on the market, up from 37 days in 2024, indicating a shift towards a more balanced market. Inventory levels have risen by 20.9% year-over-year, providing buyers with more options. While competition remains in certain areas, the overall market is transitioning towards a healthier equilibrium, offering opportunities for both buyers and sellers.
About American Federal Mortgage
American Federal Mortgage, founded in 1987 in Clifton, NJ, has grown into one of the nation’s largest privately held mortgage bankers by combining award-winning service with some of the most competitive rates available. For over thirty years, our honest, efficient, and low-cost approach has earned a reputation for excellence and helped countless North Carolina homeowners achieve the American Dream. While technology now allows borrowers to complete the mortgage process entirely online, our experienced loan officers still deliver personalized guidance every step of the way.
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