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0% Introductory APR for up to 12 months on all purchases and balance transfers*

• The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
  
• No Annual Fee
  
• Interest-free grace period when you pay your bill in full each month

• FREE Online Account Access
  
• FREE travel services including Auto Rental Insurance and $500,000 Worldwide Travel Accident Insurance
  
• Zero Liability on unauthorized transactions**
  

DID YOU KNOW?

	If you are on the market for a mortgage and you believe that you are out of luck because you are lacking a down payment. Don’t worry. There just may be a program out there for you. The mortgage industry is a very diverse one. The days of going down the street to your local bank to get a mortgage are over. These days there are literally thousands of lenders across the United States. If you have not heard of them, it is because they are not the brick and mortar banks you are used to seeing in your neighborhood, nor do they advertise on prime time television. This does not mean that they do not exist. They do. And they exist in the name of wholesale lenders. Wholesale lenders are lenders that work in niche markets and offer specialty programs such as 100% financing where you can get a mortgage for the entire amount of the home, relieving you from having to come up with a down payment. Even if you have money for a down payment, you may still be considering 100% financing so you can save that money for your housing essentials, such as paint, carpet, furniture, etc. Most likely, your local bank will not offer this program, so it would be wise to shop around for a program such as this, and believe me, they are out there. If you are unable to find a product on your own, consider finding a broker to help you. A broker is not a lender, but they work for wholesale lenders. Their job is to find you the product which you are looking for, while educating and counseling you through the mortgage process from beginning to end. If you decide to you use a broker, allow for a few to assess your situation, than base your decision on the no money down program that best fits your needs and budget.

Living in the Carolinas has so much to offer residents. Toasty summers, mild winters, lovely beaches, bucolic mountains, a thriving night life, several diverse communities, and great foodstuff are some of what you can find in this lively region. Home prices have been increasing steadily these past few years, therefore loan financing continues to play an important part in the local economy. Let’s take a look at some Carolina Online Home Loans you can apply for today!

Adjustable Rate Mortgages – affording a new home is simpler today as variable rate mortgages or ARMs remain popular with consumers. Interest rates on your ARM can be as much as one full percent lower than what you would pay with a fixed rate loan. Rates are generally set for the first few years of the loan and then adjust to the prevailing rates as determined by the government.

Introductory Rate ARMs – Carolina Online Home Loans are also available as Introductory Rate ARMs. Typically, with these types of loans, the rate is set low for a specified length of time. This can allow home owners, just like you, to get a larger home for the money.

Graduated Payment Mortgage – The GPM is another option to the traditional adjustable rate mortgage. Rates are set for one year and then rise at predetermined amounts in the ensuing years.

Fixed Rate Mortgages – These are one of the most prevalent and universally accepted Carolina Online Home Loans available. Rates are set throughout the term of the loan which is typically for 15 or 30 years. Other term packages offered by some Carolina lenders are for 20, 25, and even up to 40 years.

Balloon Mortgages – Balloon loans are short term mortgages that have some of the same features as a fixed rate mortgage. Typically, the rate is set notably low for a set period of time. At the end of that specified time, rates increase and the loan has essentially “come due” or you can refinance at that time to establish a lower variable or fixed rate.

So, no matter which type of loan you select, you may soon find yourself living in the Carolinas enjoying the good life. Search online today for your Carolina Online Home Loan!