USDA Loans North Wilkesboro, North Carolina

The North Wilkesboro, North Carolina USDA Home loan is a great choice for borrowers looking to buy a home with NO MONEY DOWN.  When home buyers hear USDA rural they often think of farms or underdeveloped areas.  In most cases you can find USDA eligible properties just outside of major North Carolina cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some countries like North Carolina, the vast majority of the country is eligible for USDA loans. Find out if a property in North Wilkesboro, NC is USDA home eligible by calling 888-767-0554. USDA home loan experts are standing by and ready to help.  Connect with a licensed USDA specialist, ask questions, see what cities qualify, and get free quotes.

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Finding the Perfect Home Loan

Thousands of consumers in North Wilkesboro, NC are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help North Wilkesboro home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2024 North Wilkesboro mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a North Wilkesboro, North Carolina USDA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a USDA Eligible Home.
  • Secure a loan and purchase your new home!

Working around Credit Issues with Top Rated Specialists

The USDA Rural Mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with North Wilkesboro, NC first time home buyers.  We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just USDA rural mortgage loans.  Check out consumer home buyer GRANT options, FHA loans and our Bad credit home loan options.

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    Once this form is completed you will have the option to start your USDA mortgage application.

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    North Wilkesboro, NC USDA Benefits

    • No down payment required
    • Low 30 year fixed rate
    • 100% financing
    • Can finance closing costs if appraisal above sales price
    • Competitive rates (as set by the underwriting lenders)
    • Minimal mortgage insurance required
    • No cash contribution required from borrower
    • Gift Funds Allowed
    • No maximum loan amount (although there are family income limits)
    • No reserves required
    • Streamlined credit approval for scores above 640
    • Can refinance an existing USDA loan to get a better interest rate if available

    Find your North Wilkesboro, NC USDA Home Loan 888-767-0554.

    North Wilkesboro is a town in Wilkes County, North Carolina, United States. The population was 4,131 at the 2020 US Census.[4] North Wilkesboro is the birthplace and original home of Lowe’s Home Improvement, which continues to have a major presence in the community. The town is also known as one of the birthplaces of the sport of stock-car racing, and the North Wilkesboro Speedway was the first NASCAR-sanctioned track. Due to the town’s proximity to the nearby Blue Ridge Mountains and its numerous tourist venues, North Wilkesboro has been nicknamed the “Key to the Blue Ridge”.

    North Wilkesboro was founded in 1891 when the Norfolk and Southern Railroad built a railroad line into Wilkes County. The line ended on the northern bank of the Yadkin River opposite Wilkesboro, the county seat. The town of North Wilkesboro quickly developed around the railroad tracks. North Wilkesboro was home of the Carolina Mirror Company, which for many years was the largest mirror factory in the United States.[5] Lowe’s Foods, one of the Southeast’s largest supermarket chains, was started in North Wilkesboro in 1954.[6] Lowe’s Home Improvement Warehouse, the nation’s second-largest chain of home-improvement stores, was started in North Wilkesboro in 1946.[7] Like many small towns and cities in rural North Carolina, North Wilkesboro has suffered since 2000 from the closing of nearly all of its textile and furniture factories, which have moved to low-wage locations in Latin America and Asia. The factories were a major part of the town’s economic base.

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