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Home Loans

Buying a home is a big moment in your life. We’d like to be there to make it the best experience possible. Whether you’re purchasing new property, refinancing, buying an investment or vacation home, Uwharrie has a financing plan that will get it done.

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Fixed Rate Mortgage

A traditional loan with an interest rate that stays the same for the entire term of the loan.

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Adjustable Rate Mortgage

More flexibility with a lower introductory rate that adjusts after the initial mortgage period.

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Construction Loan

Enables your renovation or new construction from acquisition of land to a final financing solution.

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Jumbo Mortgage

Flexible terms and options if your mortgage will be greater than $484,300 to purchase or refinance.

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Affordable Housing

Offers solutions to first time homebuyers, including many affordable housing options.

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Low Down Payment and Government Loans

Using Your Home’s Equity

FHA Mortgage

An affordable government backed loan with low down payment and flexible credit requirements.

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VA Mortgage

Special financing available to veterans or active-duty service members and their spouses.

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USDA Mortgage

Up to 100% financing may be an option for qualified homebuyers in rural communities.

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