NMHL Mortgage Lending
Mortgage Lender in High Point, NC
Local expertise and competitive rates for High Point homebuyers.
High Point Housing Market Overview
Explore mortgage options in High Point, NC with NMHL. Our local expertise helps you navigate the High Point real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in High Point
Explore mortgage options tailored to High Point homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding High Point's Housing Market
High Point's housing market is characterized by a mix of older and newer homes, with a median home price of around $240,000. The city's proximity to Greensboro and Charlotte makes it an attractive option for commuters. NMHL's local market expertise can help you navigate the nuances of High Point's neighborhoods and identify opportunities to save on your mortgage.
Some of the most popular neighborhoods in High Point include:
- Downtown High Point: A vibrant area with a mix of historic and modern homes
- Lakewood: A family-friendly neighborhood with a strong sense of community
- Oakdale: A diverse neighborhood with a range of housing styles
NMHL's local knowledge can help you understand the pros and cons of each neighborhood and how they might impact your mortgage options.
Mortgage Options for High Point Borrowers
NMHL offers a range of mortgage programs tailored to High Point borrowers, including:
- FHA loans: Ideal for first-time homebuyers or those with lower credit scores
- VA loans: Available to eligible veterans, offering favorable terms and lower interest rates
- USDA loans: Suitable for borrowers purchasing homes in rural areas
- Conventional loans: Offering competitive rates and terms for borrowers with good credit
Our mortgage specialists can help you determine the best mortgage option for your situation and guide you through the application process.
NMHL's mortgage specialists are here to help you navigate the mortgage process and find the best loan option for your needs.
Down Payment Assistance Programs in North Carolina
North Carolina offers several down payment assistance programs to help homebuyers cover the upfront costs of purchasing a home. These programs include:
- NC Home Advantage Mortgage: Provides up to $8,000 in down payment assistance
- NC Home Foreclosure Prevention Fund: Offers assistance to homeowners at risk of foreclosure
NMHL can help you explore these programs and determine your eligibility. Our mortgage specialists will work with you to identify the best down payment assistance options for your situation.
Don't let down payment costs hold you back from achieving your dream of homeownership. NMHL can help you explore down payment assistance programs and find the right mortgage solution for you.
The Impact of School Districts on Home Values in High Point
The quality of local schools can significantly impact home values in High Point. The Guilford County Schools district serves High Point, with several highly-rated schools in the area. NMHL's local knowledge can help you understand how school districts might affect your mortgage options and home values.
Some of the top-rated schools in High Point include:
- High Point Central High School
- T.W. Andrews High School
- Griffis Early Childhood Center
NMHL's local expertise can help you understand the impact of school districts on home values and mortgage options.
Frequently Asked Questions
High Point boasts diverse neighborhoods, including Downtown High Point, Lakewood, and Oakdale. Each area has its unique character and advantages. NMHL's local knowledge can help you understand the pros and cons of each neighborhood and how they might impact your mortgage options.
In High Point, property taxes are assessed by the Guilford County Tax Office. The average effective property tax rate is around 0.88%. NMHL can help you factor property taxes into your mortgage planning and explore options for tax-advantaged mortgage products.
North Carolina offers several first-time homebuyer programs, including the NC Home Advantage Mortgage, which provides up to $8,000 in down payment assistance. NMHL can guide you through these programs and help determine your eligibility.
While bad credit can make it more challenging to secure a mortgage, NMHL offers specialized loan programs for borrowers with less-than-perfect credit. We can help you explore options and develop a plan to improve your credit score.
NMHL offers VA loans, which provide favorable terms for eligible veterans, including lower interest rates and lower or no down payment requirements. We can help you navigate the VA loan process and determine your eligibility.
Getting pre-approved for a mortgage with NMHL is straightforward. Simply contact us to schedule a consultation, and we'll guide you through the pre-approval process, including reviewing your credit report and financial information.
Related Resources
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