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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.

 

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 in NC**
    • $400 Credit in SC**
  • 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 NC or SC
Conventional First Mortgages

Lowest fixed rates Piedmont Advantage offers
Terms up to 30 years

• 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

Click here to view Rates

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

For more information about our Liberty Loan and other mortgage solutions, complete the following form:

Contact Us

 

To apply online for Conventional First Mortgages, ARMs or Government Loans, click HERE NOW. 

Questions? Call our Mortgage Advisor, Chris Robertson, 336.744.8644 

Active MLO LIST 

 

*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 for Liberty Loans secured by eligible real property in North Carolina will only be charged $200 of applicable closing costs. Applicants for Liberty Loans secured by eligible real property in 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. 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 loan amount, depending on the size of the loan.

***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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