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North Carolina Mortgage - What to Expect When Buying a Home in North Carolina

Maybe youre buying your first home in North Carolina, or perhaps youre relocating to North Carolina from another state. Either way, its important that you educate yourself on North Carolina home loans before shopping for a home and mortgage. This article explains what youll need to know before buying a home in North Carolina:

The median price of a home in North Carolina is $108,300. The price of homes in North Carolina varies widely between zip codes. For example, in Outer Banks, North Carolina, the median price of a home in the summer of 2005 was $375,000; however, in Raleigh, North Carolina, the median price of a home was $197,000, and in Charlotte, North Carolina, it was $168,000. Average interest rates in North Carolina are above the national average, and job growth rates just below the national average. Homes in North Carolina appreciate at a rate less than half of that of the national average.

In 1999, North Carolina was the first state to enact anti-predatory lending laws. These laws place limitations on high-cost home loans and require that would-be borrowers of high-cost home loans receive financial counseling before entering into the transaction.

North Carolina state law prohibits prepayment penalties on home loans less than $150,000, and it does not allow balloon loans. It also prohibits flipping -- the practice of lending in which a lender repeatedly refinances an existing home with no obvious benefit to the borrower. North Carolina law also prohibits the financing of upfront single premium insurance. However, monthly payment insurance is allowed.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about North Carolina Mortgage Rates and Loans .

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More Useful Resource and Updates on current mortgage rate rhode island home equity loan personal

• Mortgage rates drop slightly in week (UPI)
  WASHINGTON, Nov. 6 (UPI) -- Interest rates for 30-year, fixed-rate U.S. mortgages dropped slightly in the week ending Nov. 6, the Federal Home Loan Mortgage Corp. said Thursday.



• Community helps W. Pa. couple keep home (Centre Daily Times)
  At the end of August, Randy and Cindy Balzer were unable to make the payment on their Baldwin Township house after it adjusted to a higher interest rate, and their mortgage holder was ready to seize the home at a sheriff's sale.



• Britain slashes interest rate to 50-year low (The New Zealand Herald)
  The Bank of England slashed its key interest rate by 1.5 percentage points yesterday to its lowest in more than 50 years in a dramatic bid to cushion the coming recession, while the European Central Bank settled for a more conservative half-point trim.



• HBOS, RBS Cut Mortgage Rates After Government Meeting (Update2) (Bloomberg)
  Nov. 7 (Bloomberg) -- HBOS Plc , the U.K.'s biggest home loan provider, and three other banks together representing almost half of British mortgage lending today cut interest rates after government ministers urged a reduction.



• Home-owners and businesses hold their breath for a one point interest rate cut but will Bank of England deliver? (Daily Mail)
  Interest rate-setters are under pressure today to relieve homeowners and borrowers with the biggest cut for 15 years.



• Rams Home Loans drops variable mortgage rate (The West Australian)
  Rams Home Loans (Rams) has dropped the interest rate on its standard variable home loan by 60 basis points. The interest rate on Rams? standard variable home loan has dropped 0.6 percentage points to



• St George cuts home loan rate to 7.74% (The West Australian)
  St George Bank Ltd has cut its standard variable mortgage interest rate by 62 basis points. The rate will fall to 7.74 per cent, from November 14. The move follows the decision by the Reserve Bank of Australia (RBA) on Tuesday to lower the official cash rate by 75 basis points to 5.25 per cent.

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