PrimeLending & the Russell Smith team take pride in being recognized as a premier, national lender offering a wide array of mortgage products. Mortgage loan options include fixed and adjustable rate FHA and VA mortgages, fixed rate USDA mortgages (Rural Development Loans), NC Housing FirstHome Mortgage, fixed and adjustable rate conventional loans, fixed and adjustable rate jumbo and super jumbo mortgages, FHA 203(k) and other rehab or renovation loans, and we are approved with many bond programs. Even in today’s market we have programs available so that a borrower, whether a first time buyer or not, can purchase a home with zero or no money down. We even have down payment assistance programs for qualifying buyers. Go to our Products page for more details on our wide array of products.

Located in Southeastern North Carolina, our team closes mortgages in and around Wilmington, Leland, Carolina Beach, Kure Beach, Wrightsville Beach, Jacksonville, Lumberton, Whiteville, Lake Waccamaw, Hampstead, Elizabethtown, and Brunswick, Pender, and New Hanover County beaches. Even though a majority of our mortgages are closed in our local area, we are a nationwide mortgage lender and can help homeowners & buyers in all 50 states.

Russell Smith is “Preferred Loan Officer” with NC Housing Finance Agency’s FirstHome Mortgage
http://www.nchfa.com/Homebuyers/HBprefloanofficers.aspx
Russell is certified to close products through NC Housing which include the FirstHome Mortgage, MCC tax credit, and down payment assistance programs. Because of the experience Russell’s team has in closing mortgages for first time buyers and programs through NC Housing Finance Agency, he has obtained the “Preferred Loan Officer” status. Even though it mentions Russell under Columbus County, keep in mind that he can close these types of loans anywhere in the state of NC. FirstHome Mortgages are loans for first time homebuyers (certain borrowers such as military or properties in targeted census tract areas can get an exception on being a first time buyer) that meet NC Housing’s criteria, at lower than market fixed interest rates on FHA, USDA, VA, and conventional financing (conventional only at 80%, others at normal financing). Contact our team today for your preferred mortgage products as a first time buyer!

Whether you are a first time home buyer, move up buyer, purchasing a 2nd home or investment property, you need an expert mortgage lender. Our PrimeLending team delivers the knowledge, expertise, and personalized service to ensure your loan process is worry-free.

Contact us today to take the next exciting step toward your new mortgage whether it be a refinance or buying a new home. See how a mortgage loan should be done.