Our Programs

Portfolio Loans

For homebuyers whose financing needs can’t be met by other lenders, or homeowners needing to refinance, portfolio loans offer a flexible and fair alternative. Compared to other sub-prime loans within the industry, Self-Help portfolio loans provide reasonable interest rates with extremely low fees and without private mortgage insurance. Based on employment and credit stability, clients may qualify for 90%, 97% and even 100% financing. These loans offer flexibility around such issues as debt-to-income ratios, delinquencies on credit, lack of credit history, and outstanding collections.  For customers with a credit score, Self-Help requires a minimum of a 580.  These loans work well in conjunction with local second mortgage programs. Down payment assistance is sometimes available.

Specialty Loans

North Carolina Housing Finance Agency

First-Time Homebuyer Program

Low and moderate-income prospective homebuyers with a stable credit history will benefit from the below-market fixed rates on these conventional and government loans.

USDA Loans

Qualifying low and moderate-income rural homebuyers may benefit from this 100%-plus
loan-to-value (LTV) option, and still get a low interest rate.

Manufactured Homes

Purchase and refinance loans for existing doublewide homes built after 1994.  Financing up to 95% of the home’s value.

Program sponsored in part by

CFED - Expanding Economic Opportunity