Apex 2019-04-05T15:38:02+00:00

Mortgage Lending in Apex, NC

The Sherry Riano Team

When you are looking for a mortgage lender in Apex NC, you deserve to know what to expect from start to finish. The Sherry Riano Team believes everyone should get the same level of service, no matter what type of loan you’re getting.

Finding the right mortgage lender is much easier when you understand all the types of loans you could be exploring. In order to get the best deal for your mortgage, you need to understand the wide range of mortgage types out there, including:

We believe that you can still get a loan from us, even if you’ve been turned down elsewhere, and we want to help you make your dream of home ownership happen. Here’s what you need to know about each of these types of mortgage loans so you can begin exploring the options: 

Conventional Home Mortgages

Conventional home mortgage are perfect for those with good credit and at some form of down payment to pay towards their dream home. We often recommend a conventional home loan for those who qualify, because they are more affordable in the long run. They offer you the lowest interest rates and the most stable premiums over a 15- or 30-year period.

However, there may be instances where a government-backed loan makes more sense for you situation including: 

FHA Mortgages

FHA mortgages are insured by the federal government. With low down payments, flexible underwriting guidelines and competitive rates, what’s NOT to love?

FHA allows borrowers to do limited or in some cases no down payment. It’s also commonly used for borrowers with limited or newly established credit.

If you’re not sure if an FHA loan in Apex might be best for you, speak with our team!

VA Mortgages

If you are an active duty or retired veteran or possibly the family member of a veteran, a VA mortgage may be your most attractive mortgage loan option.

Special interest rates and zero down payments make it easier for you to afford your home right from the start. These types of mortgages are affordable up front and long-term, and there is no reason for a veteran in the Apex area not to consider this program.

Plus, our team has years of experience working with veterans who are coming into the area and working on their loan remotely, so don’t let that scare you!

Rural Development Mortgages

Do you want to buy a home outside the city limits? If you have less-than-perfect credit or are looking for 100% financing, the USDA Rural Housing Loan program may be right for you. This program is designed to encourage rural growth, so it offers lower interest rates and more lenient credit requirements. You may be surprised what mortgage lenders in Apex classify as rural! 

First Time Homebuyers Mortgages

We believe you can still get a loan from us even if you’ve been turned down by other mortgage lenders in Apex.

If you have never owned a home, don’t have a huge down payment, or your credit history needs a bit of attention, we can help with a first-time home buyers mortgage. These loans are great for those who want to own a home earlier in life rather than spending decades renting.

Learn How The Sherry Riano Team Can Help

At The Sherry Riano Team, we believe that you are not just a transaction. Our team of mortgage lenders in Apex, NC ensure that you are able to finally establish your family’s home for good, and we want to help you on that path. To find out more about how you can finally move in to your dream home, get started online or call us at 919-234-7415.