• Credit Score of 680 or above
• Employed or self-employed with verifiable income
• Total debt-to-income ratio less than 50%
• At least 5% down or 5% equity for refinances

At Carolina's Lending Source, your good credit and financial responsibility go a long way.  By working with borrowers who have maintained an excellent credit standing and who have planned for thier new home home purchase or refinance, we are in the unique position to offer the very lowest fixed rates available to the North Carolina public.

Don't Overpay for a Mortgage

Use this calculator to take the guess-work out of comparing rates, points and fees.

How to Compare Interest Rates

Mortgage Interest Rates Hit Record Lows

According to the Freddie Mac® Weekly Primary Mortgage Market Survey, the national average for 30 year fixed rate mortgages fell to 4.96%, the lowest in their recorded history - and rates may go lower.