Home is where the heart is. At BNC, we know buying a new home can be an overwhelming experience. We’re here to walk you through all your options so you can make the right decision.
BNC National Bank offers a wide array of mortgage loan products that will meet your individual needs, and our Loan Originators will assist you through every step of the process. NMLS# 418467
Our BNC Mortgage team offers many options to get you into the home of your dreams.
Fixed Rate Mortgages (FRMS)
Adjustable Rate Mortgages (ARM)
Hybrid Adjustable Rate Mortgages (ARM)
Harp 2.0
FHA Loans
VA Loans
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For more information on these or other products and services, please contact us.
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Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
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Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
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Hybrid Adjustable Rate Mortgages (ARM)
Hybrid ARMs combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
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Harp 2.0
HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.
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FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
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VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American Dream of home ownership.