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Piedmont Advantage makes it easy to find a mortgage that fits our member's unique needs.

Finding the right home loan can be overwhelming and stressful. Our mortgage team will work hard to help you find the best solution, and give you the confidence and peace of mind that you're making the right decision. Find the mortgage solution that suits your current life stage.

Complete the form below to be contacted about out mortgage solutions representatives or call to up an appointment with Chris Robertson, Mortgage Advisor at 336.744.8644  

Loan Type

Key Benefits

Worth considering if you...

Liberty Loan

Lowest fixed rates Piedmont Advantage offers
Terms up to 12 years
Closes in half the time of conventional loans 2.75% APR* plus low closing costs 
  • Refinancing? Just $200**
  • Purchasing? $400 Credit***
Plan to refinance to pay your loan off earlier or pay down faster than a conventional loan
Have a credit score of 700 or higher
Reside in N.C. or S.C.

Conventional First Mortgages

Lowest fixed rates Piedmont Advantage offers
Terms up to 12 years
Closes in half the time of conventional loans

• 30-year mortgage
• 25-year mortgage
• 20-year mortgage
• 15-year mortgage
Plan to stay in your home for a long time
Have an established credit history
Can put at least 5% down

Adjustable-Rate Mortgages (ARM)

Initial lower monthly payments Multiple terms available

• 3/1
• 7/1
• 15/15
• 5/1
• 10/
All terms are based on 30-year amortization period
Don’t plan to stay in your home a long period of time.
Have an established credit history
Can put at least 5% down

Government Loans

Federal Housing Administration Veteran Administration

Low down payments or no down payments for VA loans
Flexible qualifications
No mortgage insurance requirement for VA loans
Fixed-rate for FHA; fixed-rate and ARM options for VA
Have limited funds for a down payment
Don’t have an established credit history or have experienced credit challenges
For VA loan, are in military or veteran or surviving spouse of a service members who passed away as a result of service

 

 *As of September 1, 2020, the Liberty Loan has a fixed rate of 2.75% APR (Annual Percentage Rate) with a term up to 12 years. Liberty Loan is subject to credit and property approval. Minimum credit score of 700 is required. Maximum loan-to-value of 85%. Rates and terms subject to change without notice and other restrictions may apply. Monthly payment on a $100,000 loan at 2.75% APR for 144 months would be $816.11.
**Applicants will only be charged $200 of applicable closing costs for loans secured by real property eligible for this offer. Eligible real property consists of 1-4 family residential real estate located in North Carolina, and excludes rental properties and manufactured homes. Offer does not apply to loans to finance the purchase of real property. Applicable closing costs may vary depending on location of collateral. Flood and/or property hazard insurance may be required. Typical closing costs and fees include origination fees, discount points, appraisal fees, title searches, title insurance, surveys, taxes, deed-recording fees and credit report charges and range between 2% to 5% of the purchase price.
***Applicable closing costs may vary depending on the location of collateral. Applicants for Liberty Loans secured by eligible real property being purchased in North Carolina and South Carolina will be given a credit of $400 toward applicable closing costs. Eligible real property consists of 1-4 family residential real estate, and excludes rental properties and manufactured homes. Flood and/or property hazard insurance may be required. Typical closing costs and fees include origination fees, discount points, appraisal fees, title searches, title insurance, surveys, taxes, deed-recording fees and credit report charges and range between 2% to 5% of the purchase price.

 

 

 

 

 

 

 

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