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Nags Head Office
Carolina State Mortgage Corporation provides mortgage capital to the rapidly
growing North Carolina Real Estate Market through a Nationwide pool of
Lenders and Investors. Our product menu is extensive with a substantial
offering Second/Vacation Home Products and specific programs for Rental
Property. Many people are unable to obtain financing from a Bank for a
variety of reasons such as property location, income verification, down
payment or prior credit and job history. Carolina State Mortgage Corporation
can provide the working alternative for these situations and others at rates
often below Bank rates.
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Carolina State Mortgage Corporation specializes in bringing people to the
next plateau whether that is ownership of your first home or the purchase of
a home for future retirement and/or vacation. Mortgage lending has become
increasingly complicated and Carolina State Mortgage Corporation works to
make the process simple and pleasant for the borrower. We utilize as many
technology tools as we can to streamline the paperwork. Our application
package is computer generated with your input and we can communicate with
you via E-mail throughout most of the process. Of course, we can still use
the good old telephone if you dont have access to a PC and modem.
At Carolina State Mortgage Corporation we monitor rate changes on nearly 300
programs from more than 20 diversified investors. This enables us to present
you with the best alternative the market has to offer on any given day. Our
pledge is to bring your plans and dreams to reality, whether big or small,
simple or unique, difficult or complicated. At Carolina State Mortgage
Corporation we are working with you! The following is a list of some of our
widely utilized programs:
• 100% Emerging Markets Program
• 100% RHCD Program
• 95% Second/Vacation Home Financing
• 90% Rental Property Programs-use rental income to qualify
• 90% Cash-Out Refinancing
• 95% Rate or Term Improvement
Refinancing
• No Income Verification and No-ratio programs
•
True No-Doc Programs (no employment or asset verification)
• Jumbo
Loans to $2,000,000
• Fixed Rate Home Equity Loans
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