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. 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