Mortgage and Lending with Universal American Mortgage Company NMLS 46083

Below market mLow Mortgage Rates Shay Campbellortgage rates are available in North Caroline.  North Carolina first time home buyers have a great program available to them by working with mortgage lenders who can offer North Carolina Housing Finance Agency (NCHFA) programs.

One of the great programs that NCHFA offers is the “FirstHome Mortgage Program”.  This program offers below market rates to help first time home buyers.  Normally the rate is .125% to 1.00% lower than market rates.  Today’s rates can be viewed by clicking link to rates.  Lower rates can save the first time home buyer thousands of dollars over the life of the loan.


General Guidelines are:

·         Be a first time home buyer.  The definition of a first time home buyer is they have not owned a home in the past three years.  There are a few exceptions.

·         Income must be within established county limits.  Link to limits.

·         Purchase a home with a purchase price of $225,000 or less.

·         Have reasonable credit.


A lower mortgage rate means a lower mortgage payment but you know that.  I encourage the REALTORS that I work with to always ask if their client is a first time home buyer. 


Who Can You Call For Your Mortgage Needs in North Carolina?

Call Shay Campbell a licensed Loan Officer, NMLS# 46083, located in the Triangle area of NC, which includes Raleigh, Cary, Durham, Chapel Hill, Apex, Holly Springs, RTP and the counties of Wake, Durham, Johnston, Chatham and Orange.  Shay has over 13 years of originating experience in North Carolina and can assist you with FHA, VA, USDA, NCHFA and conventional loans.  He has a special interest in working with first time home buyers.  Shay can be contacted at 919-624-8614,  or visit his website at

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