Serving the Triangle and
North Carolina homeowners
for over 20 years!
Why choose Carolina Equity Services & Jodie Disbro for your mortgage needs?
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Lowest rates & closing costs in the Triangle and throughout North Carolina
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We have closed over 12,000 mortgage loans for Triangle and North Carolina homeowners
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To find out what our customers are saying about us, please click here.
Have you been searching the internet trying to find the lowest rates and closing costs, but you can't get straight, simple answers from most lenders? Do you wonder if you can trust the person you are speaking to who is often in another state, if not across the country? Let Carolina Equity Services be the answer.
 
WHO CAN YOU TRUST?
Please feel free to check us out, as well as our competition, by clicking on the following links: Better Business Bureau and the North Carolina Commissioner of Banks (NMLS #85321).
JUMBO LOAN PROGRAMS
| Term |
Rate |
Origination Fee |
APR |
| 5 yr ARM |
2.750 |
0.00 |
3.292 |
| 7 yr ARM |
3.000 |
0.00 |
3.317 |
| 15 yr ARM |
3.375 |
0.00 |
3.412 |
| 30 yr Fixed |
4.375 |
0.00 |
4.397
|
Jumbo ARM Max. LTV/CLTV (includes 2nd) is 75-80% up to 850K for above rate.
LTV over 75% or loan amount over $850K, call or email for exact quote.
No investment/rental properties for Jumbo Loans.
For FHA and VA rates, please click here.
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| Today's Rates -May 17, 2012 |
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CONFORMING LOAN PROGRAMS
|
| Term |
Rate |
Origination Fee
|
APR |
| 30 yr fixed |
3.750 |
0.000 |
3.795
|
| 20 yr fixed |
3.625 |
0.000 |
3.687
|
| 15 yr fixed |
3.000 |
0.000 |
3.079
|
| 5 yr ARM |
2.625 |
0.000 |
3.110
|
| 7 yr ARM |
2.875 |
0.000 |
3.148
|
Assumes loan amount of $175k - $417k, credit score of 740 and max. 80% LTV.
ABOVE RATES ARE FOR 30 DAY LOCK PERIODS-Longer lock periods are available for slighter higher fees.
Refinance, no origination fee total closing costs vary from approximately $1,975 to $2,300. Closing costs will vary based on loan amount.
Purchase closing costs are slightly higher due to higher title insurance.
Conforming ARM Max LTV is 95%.
80-95% LTV will require PMI (private mortgage insurance).
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