Mortgage Loan Programs



Buying a home is a big investment in your family's future. Uwharrie Bank Mortgage is here 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.

Adjustable Rate Mortgage

This loan offers a lower introductory interest rate that adjusts after the initial period.

Construction Loan

This funds a renovation or construction project and converts to a permanent mortgage later.

 


Jumbo Mortgage

A jumbo mortgage is a home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac.

FHA Mortgage

This is an affordable government-backed loan with a low down payment and flexible credit requirements.

VA Mortgage

Insured by the Department of Veteran Affairs, this program is for qualified veterans and military families.


USDA Mortgage

A loan offered by the U.S. Department of Agriculture, featuring 100 percent financing for qualified homebuyers.

Affordable Housing

Uwharrie Bank is committed to helping customers in our community achieve successful homeownership. We have many programs designed to provide solutions to first time homebuyers, including many affordable housing options.

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