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Best NCHFA Mortgage Lenders of 2018

Oct. 23, 2018
Finding the Right Mortgage, Mortgages
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.
NerdWallet offers financial tools and advice to help you understand your options and make the best possible decisions. The guidance we offer and information we provide are deeply researched, objective and independent. We spent over 400 hours reviewing the top mortgage lenders before selecting the best for our readers.

The North Carolina Housing Finance Agency, or NCHFA, offers mortgage products and home buyer programs to make homeownership more affordable in the Tar Heel State.

NCHFA loans and assistance are offered through a statewide network of participating lenders, but it’s up to you to select the one you’ll work with. Not sure how to choose? We can help.

To narrow your search, NerdWallet reviewed some NCHFA participating lenders, identifying the best ones across several categories. Compare the lenders below to get started.

» MORE: See NCHFA loan programs, rates and income limits

Best NCHFA mortgage lenders if you prefer a digital experience

These lenders have the digital application and tracking tools you’ll need to get a mortgage almost entirely online.

4.0 NerdWallet rating
  • Mobile application can be completed in 10 minutes.
  • Securely scan and upload financial documents.
  • 24/7 online loan administration portal, call center and email help.
  • Fairway Independent Mortgage review
Guild Mortgage
3.5 NerdWallet rating
  • Offers a paperless loan application and digital loan tracking.
  • Specializes in funding first-time home buyers.
  • Considers alternative credit data, such as utility bill payments.
  • Guild Mortgage review

Best NCHFA mortgage lenders if Spanish is your first language

These lenders have bilingual agents and resources so you can get a mortgage in the language that’s most natural for you.

suntrust mortgage
4.0 NerdWallet rating
  • Offers a full Spanish-language version of its website.
  • Provides a variety of customer service options.
  • Doesn’t consider alternative credit history.
  • SunTrust Mortgage review
4.5 NerdWallet rating
  • Has Spanish-speaking agents to assist bilingual borrowers.
  • Evaluates creditworthiness on an individual basis.
  • Personal information required for an online rate quote.
  • New American Funding review

Best NCHFA mortgage lenders if you’re a military veteran

These lenders have the experience needed to help past and current service members take advantage of their home loan benefits.

4.0 NerdWallet rating
  • Offers VA purchase and refinance loans.
  • Lots of info about VA loans and eligibility criteria on its website.
  • Has an in-house closing-cost assistance program.
  • PrimeLending review
4.5 NerdWallet rating
  • Offers VA purchase and refinance loans.
  • Has specially trained VA loan officers on staff.
  • Must talk to a loan officer for personalized rates.
  • LoanDepot review

Best NCHFA mortgage lenders if you want top-notch customer service

Want your lender to go the extra mile? These mortgage providers have resources to keep you satisfied.

3.0 NerdWallet rating
  • Offers 24/7 customer service via a toll-free support line.
  • More than 260 branch offices across North Carolina.
  • Membership limited to state and public school employees and their families.
  • SECU review
4.0 NerdWallet rating
  • Services most mortgages it originates, so your ongoing needs can be handled in-house.
  • Plentiful branch locations across North Carolina.
  • You must create a profile to apply online.
  • BB&T review

Best NCHFA mortgage lenders if you prefer a nonbank

These nonbank lenders may be able to provide a more flexible and streamlined mortgage experience.

3.5 NerdWallet rating
  • Offers FHA, VA and USDA loans.
  • Lots of educational resources available on its website.
  • Prioritizes a high level of customer service and satisfaction.
  • Homebridge Financial Services review
churchill mortgage
3.5 NerdWallet rating
  • No minimum or maximum loan amounts.
  • Uses alternative data for borrowers without a traditional credit history.
  • Must create an account to start application online.
  • Churchill Mortgage review

Best NCHFA mortgage lenders: summary

Fairway Independent Mortgage: Digital experience

Guild Mortgage: Digital experience

SunTrust Mortgage: Spanish speakers

New American Funding: Spanish speakers

PrimeLending: Veterans

LoanDepot: Veterans

State Employees Credit Union: Customer service

BB&T: Customer service

Homebridge Financial Services: Nonbank

Churchill Mortgage: Nonbank

More from NerdWallet:

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.