Carteret Mortgage is proud to be serving the homeowners of North Carolina with their home refinancing, and purchase money mortgages. Home Loan Programs frequently used for North Carolina Mortgages :MyCommunity Mortgages :Buy a home with Zero Down, and enjoy low home loan insurance rates. Product highlights: up to 40yr terms, no cash reserves, gifted money allowed, extra flexibility on credit, and no minimum contribution. HomePossible Mortgages :this home loan is exactly like the MyCommunity Mortgages, but is offered through Freddie Mac. FHA Mortgages – FHA Guidelines :This home loan program has been helping many North Carolina homeowners with their first home purchase. Product highlights: 2.25% down payment, low monthly mortgage insurance payments, Refinance Cash Out up to 95% LTV, no credit score requirement, nontraditional credit accepted, and no reserve requirement. FHA Secure programs ; FHA reset programs : is offered to those who have made timely payments prior to their ARM adjust