One of Raleigh's Most Trusted Mortgage Lenders

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Raleigh, North Carolina’s Favorite Home Loan and Mortgage Refinancing Team

There are so many beautiful homes for sale in Raleigh, North Carolina. If you’re about to start shopping for one, come to Academy Mortgage first to get pre-qualified for a home loan. (Pre-qualification is not a commitment to lend.)

Academy loves technology and has a great app called My Mortgage that gives you the convenience to apply online through your phone or computer. Just because we use technology does not mean we scrimp on offering personal service. With our loan officers and our virtual process you get the best of both worlds.

We tell our clients not to worry if they’re low-income or if their credit report isn’t stellar. That doesn’t mean you can’t qualify for a home loan.

Likewise, if your income and credit are good but you want to buy a house that a Conventional Mortgage won’t cover, we can help you find out if you’re qualified for a Jumbo Loan.

With Academy Mortgage, there’s no reason to fear applying for a home loan. Come see our helpful lenders, and stop paying rent every month.

 
 

Our Home Loan Options

You may not be familiar with all home loan options available to homebuyers today. But you don’t have to be—that’s our job at Academy Mortgage of Raleigh, North Carolina!

If you’re low-income, you may be eligible for one of many home loan programs that exist just to help this segment of the population become homeowners. Even if your credit score isn’t great, you may still qualify.

But you won’t know until you come in and see the experts at Academy Mortgage. Call or come in today to talk to us about what home loan program is right for you.

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Fixed-Rate and Adjustable Rate Mortgages

Would you be better off with a fixed-rate or an adjustable-rate mortgage? The trained professionals in our Raleigh office can explain your options. Call us today to learn more.

Find out more today.

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FHA LOANS

Federal Housing Administration Loans are for low-to-moderate-income homebuyers who may have lower credit scores. Contact us today to find out if you qualify for an FHA Loan in Raleigh!

Get more info here.

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State Housing Agency Loans and DPA Programs

State Housing Finance Agency Loans and Down Payment Assistance programs can help you become a Raleigh homeowner. Our mortgage lenders can tell you if you qualify for one of these programs.

Read more here.

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USDA Loans

The U.S. Department of Agriculture offers special loans to potential homebuyers who are low-income and willing to live in a rural area. Call our Raleigh office to see if you qualify.

Read more here.

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Conventional Mortgages

Potential homebuyers who have a good credit score and money saved for a down payment may qualify for a Conventional Mortgage. Ask our mortgage lenders in Raleigh if this type of mortgage is for you.

Find out about its benefits here.

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VA Loans

If you’re a Veteran or the surviving spouse of a Veteran, you may be eligible for a 0-down home loan from Veterans Affairs. Consult with our mortgage specialists in Raleigh to see if you qualify.

Read more here.

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Renovation Loans

Do you want to remodel but don’t have enough to fully fund the project? Come talk to our mortgage lenders in Raleigh about a Renovation Loan.

Find out if you qualify.

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Refinance Loans

You could possibly achieve significant savings with a mortgage refinancing loan. Whether you’re looking for smaller payments, a shorter term, or cash back, our Raleigh mortgage lenders can help.

Read more here.

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Jumbo Mortgages

You may have your eye on the home of your dreams in Raleigh, but a Conventional Loan might not cover the cost. Ask our mortgage lenders about a Jumbo Mortgage.

Read more here.

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Reverse Mortgages

Raleigh homeowners 62 or older may be able to tap the equity in their home to fund their retirement. Our mortgage lenders can fill you in on Reverse Mortgages.

Read more here.

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First-time Homebuyer Loans

Interested in special programs for first-time homebuyers in Raleigh? Our expert mortgage lenders can help you find out if you qualify for 0 down and no closing costs!

Read more here.

Why You Should Consider Refinancing Your Raleigh Mortgage

There are many reasons homeowners look into mortgage refinancing, but the most common one is to save money.

The number of homeowners refinancing usually spikes after a drop in the interest rate. If the interest rate falls at least 1% below the rate you have now, you could potentially save thousands of dollars over the life of your loan.

You may even be able to lower your monthly payments with mortgage refinancing. Or, if you’re interested in saving more money in the long term, you could opt for higher payments and a shorter loan term.

Another common reason homeowners are interested in mortgage financing is because they want to get some cash back to use to bridge a difficult financial period, do some home renovations, or fund another expense.

If you opted for an adjustable-rate mortgage when you originally took out your home loan, you might want to refinance to switch to a fixed-rate mortgage, which provides for more predictable monthly payments.

Mortgage refinancing can save you a lot of money, but it’s not always the case. Use a trusted mortgage lender like Academy Mortgage to give you honest, frank advice about whether mortgage refinancing can help your financial situation.

Why Choose Us?

Academy Mortgage isn’t some faceless giant you can never get on the phone when you need help. You can come into our Raleigh office anytime you have a question about your mortgage—we’re committed to supporting our clients. You can trust us, because we’ve been around since 1988—we’re not going anywhere. When you want to know more about home loans, mortgage refinancing, or any aspect of financing a home purchase, come see the friendly team at Academy Mortgage.

 

CONTACT US for more information about Academy Mortgage, your 1st CHOICE Home Loan Lender!


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