The lending industry has changed but the following loan programs have been around for a long time. The rates are competetive with other loan programs you see advertised. Be sure to review all your available options before you buy a home.

We strongly encourage you to meet with a reputable loan office face to face prior to entering into a contract to purchase. Click here if you would like a referral to best match your personal circumstances.

FHA

3% Down Payment (3.5% as of 1/1/09)
Gift Funds Allowed from a relative
Competitive Interest Rate (similar to conventional interest rates)
Seller can pay closing costs (up to 6%)
Appraisal, processing and closing similar to a conventional loan
580 minimum credit score
No income limits
Get Pre-Qualied Here

3% Down Payment
Below Market Interest Rates
1st Time Homebuyer Program
Reduced Mortgage Insurance Premium
Income and Sales Price Limits
Get Pre-Qualied Here

Zero Down Payment
No Income Limits
Competitive Interest Rates
Loan Amount up to$417,000
No monthly mortgage insurance
VA Funding Fee financed
Get Pre-Qualied Here

Zero Down Payment (100% Financing)
No monthly mortgage insurance
2% Guarantee Fee financed
Income Limits
Property must be located in a rural designated area
Competitive Rates
Seller can pay closing costs
Get Pre-Qualied Here

Give yourself an advantage as a buyer. Learn why you should get pre-approved early in your home search. For a brief consultation, detailed review or personal referal, please click here.

* Please note:  All programs are for Purchase of Primary Residence only

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Graves Realty Associates, in is an independent North Carolina licensed residential real estate brokerage serving Chatham, Durham, Franklin, Granville, Johnston, Orange and Wake Counties including Raleigh, NC and the surrounding area.

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