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NC Mortgages with Zero Down Payment

Updated: Dec 6, 2021




Mortgage banks offer different financing options and down payments on their loans. Below are 3 banks in North Carolina we recommend for 100% financing (NO DOWN PAYMENT) mortgage loans.





1.









  • Finance 100% of your home’s purchase price

  • Choose a Fixed-Rate Mortgage of 30 years or an Adjustable-Rate Mortgage with a lower interest rate that's fixed for seven years (7/1 ARM)

  • Private Mortgage Insurance (PMI) isn't required, saving you hundreds of dollars per year

  • Underwriting fee of just $600 and no charges for document prep or credit reports mean substantial savings

  • You'll always deal with your friends at Coastal because we will never sell your mortgage to a far-off megabank

  • Even if you aren't a first-time home buyer, all benefits may still be available to you as long as you haven't owned a home for the past three years




2.

  • Financing of up to 100% of the purchase price of a home is available with a maximum loan of $400,000.

  • Members who have not owned a home in the past three years, new employees of a North Carolina state agency or North Carolina public school system and existing employees who are relocating to accept a new position with the state of North Carolina are eligible for the First Time Homebuyer’s Mortgage Program.

  • Private Mortgage Insurance (PMI) isn't required, saving you hundreds of dollars per year

  • Members who are considered new employees or have relocated to accept a new position must finance their new home within 12 months of their change.

  • An additional $2,000 may be advanced to assist you with closing costs. This product is available under our 5-year ARM program.




3.




  • Financing of up to 100% of the purchase price of a home

  • Fixed Rate and Adjustable Rates 

  • Private Mortgage Insurance (PMI) isn't required, saving you hundreds of dollars per year

  • Lending is limited to North Carolina



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