North Carolina Mortgage Rates

February 28, 2015 11:25 PM Eastern

Refinance rates now in CHARLOTTE, NC [Change this]

FHA 30 Year Fixed Rates as low as

Interest Rate
3.250%
APR
4.108%
Monthly Payment
$1,005
Sebonic Financial
Interest Rate
3.250%
APR
4.108%
Monthly Payment
$1,005
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $871
Estimated Mortgage Insurance Payments $134
Total Monthly Mortgage Payment $1,005
Lender Fees $3,598
Lender Credit $0
Total Closing Fees* $3,598
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
3.625%
APR
3.697%
Monthly Payment
$913
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $913
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $913
Lender Fees $1,754
Lender Credit $0
Total Closing Fees* $1,754
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Capital One
Interest Rate
3.625%
APR
3.738%
Monthly Payment
$913
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $913
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $913
Lender Fees $2,762
Lender Credit $0
Total Closing Fees* $2,762
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.

15 Year Fixed Rates as low as

Interest Rate
2.875%
APR
3.041%
Monthly Payment
$1,370
Sebonic Financial
Interest Rate
2.875%
APR
3.041%
Monthly Payment
$1,370
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,370
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,370
Lender Fees $2,300
Lender Credit $0
Total Closing Fees* $2,300
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
3.000%
APR
3.049%
Monthly Payment
$1,382
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,382
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,382
Lender Fees $676
Lender Credit $0
Total Closing Fees* $676
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
2.750%
APR
3.449%
Monthly Payment
$1,433
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,358
Estimated Mortgage Insurance Payments $75
Total Monthly Mortgage Payment $1,433
Lender Fees $3,500
Lender Credit $0
Total Closing Fees* $3,500
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews

5 Year ARM Rates as low as

Interest Rate
2.625%
APR
2.926%
Monthly Payment
$804
Sebonic Financial
Interest Rate
2.625%
APR
2.926%
Monthly Payment
$804
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $804
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $804
Lender Fees $2,348
Lender Credit $0
Total Closing Fees* $2,348
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
2.750%
APR
2.926%
Monthly Payment
$817
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $817
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $817
Lender Fees $1,414
Lender Credit $0
Total Closing Fees* $1,414
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Capital One
Interest Rate
2.750%
APR
2.969%
Monthly Payment
$817
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $817
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $817
Lender Fees $2,512
Lender Credit $0
Total Closing Fees* $2,512
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Mortgage rate quotes displayed on LendingTree LoanExplorer℠, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.

Mortgage Rate Trends

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The Importance of North Carolina Mortgage Rates When Purchasing a Home
The nine million residents of North Carolina, the Tar Heel State, enjoy some of the best scenery and weather in the country. Being able to get great NC mortgage rates is part of the allure of owning a home in this state.

From the bustling capital of Raleigh to the secluded beaches and tourist destinations of places like the Outer Banks and Kill Devil Hills, North Carolina has relatively mild winters and long, hot summers. 

Finding NC mortgage rates that you're comfortable with is an important part of financing a home in the state. North Carolina offers several programs to help people buy homes in the state, secure low NC mortgage interest rates, and finance their purchases. Taking advantage of these programs is a great way to obtain that new home you've been dreaming of. 

Special Programs for Securing Current NC Mortgage Rates
North Carolina's Making Home Affordable Program is one way the state is helping its residents afford home ownership by helping them to secure low interest rates.

Refinancing through the program can stop foreclosures and help people get caught up financially, all while giving qualified applicants a mortgage payment that they can handle. If you're buying your first home, the state of North Carolina has programs to help you, as well. The same is true if you are in a qualifying low-income bracket.

North Carolina Mortgage Rates for First-Time Buyers
North Carolina's state government offers a variety of attractive incentives to first-time homebuyers. These incentives include limited down payment assistance and competitive interest rates for qualified first-time buyers. Another incentive is a mortgage credit certificate, which can help lower homeowners' income tax liability and help them save money to pay their mortgages.

To secure these low NC mortgage rates, first-time homebuyers must:

• be able to prove US residency
• earn within a given income bracket
• occupy the purchased home for at least 60 days

If these criteria are met, homebuyers can enjoy low NC mortgage interest rates and help with closing costs.

Researching North Carolina Mortgage Rates and Forming a Budget
The North Carolina Housing Finance Agency offers a variety of tools for homebuyers to help form a realistic budget and calculate NC mortgage interest rates. The agency's website offers tools to help determine "how much house" homebuyers can afford along with an NC mortgage rate calculator to help homeowners determine how much they'll be paying over time.