Mortgage Rates

Great Rates, Easy Loan Process

Uwharrie Bank Mortgage is a direct lender. This means we handle the entire lending process in our office. We handle the processing and underwriting, and we use our money to fund the loan. Nothing is outsourced. This is an important consideration as you choose a lender. Most of the lending community does not do their own underwriting. Because Uwharrie Bank Mortgage does, we can tightly monitor the entire process.

Our turnaround time can be faster. Your closing will happen on time and at the rate and terms promised. No Surprises!

We are committed to closing loans on time, every time!

Please consult with your originator for details.

*The Rates displayed are for 30-day locks for a purchase transaction of a primary residence. Conventional, FHA, VA, USDA rates are quoted with no bank fees. Conventional rates listed above are based on Primary residences only. Mortgage Rates are “Best Case Scenario,” effective 7/03/2025 and are subject to change daily without notice. Rates are not guaranteed until you have applied and locked your rate with a loan originator. Your loan must close according to the terms of the lock-in agreement for your rate to remain valid. Adequate homeowners insurance is required. Flood insurance will be required if your property is determined to be in a flood zone. If the loan amount or credit score or LTV is higher or lower, the rate may be different. Rates and/or fees are subject to change based on your loan-to-value (LTV), combined loan-to-value (CLTV), credit score, loan amount, loan purpose and occupancy.

30 Year Conventional Fixed mortgage rate is based on a purchase transaction with a loan amount of $715,000, 75% LTV and a credit score of 780. $4,578.22 payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. If LTV is greater than 80%, private mortgage insurance will be required. Private mortgage insurance will increase your payment amount and your APR.

20 Year Conventional Fixed mortgage rate is based on a purchase transaction with a loan amount of $715,000, 75% LTV and a credit score of 780. $5,174.18 payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. If LTV is greater than 80%, private mortgage insurance will be required. Private mortgage insurance will increase your payment amount and your APR.

15 Year Conventional Fixed mortgage rate is based on a purchase transaction with a loan amount of $715,000, 75% LTV and a credit score of 780. $5,985.40 payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. If LTV is greater than 80%, private mortgage insurance will be required. Private mortgage insurance will increase your payment amount and your APR.

30 Year FHA/VA Fixed mortgage rate is based on a purchase transaction with a base loan amount of $420,000, 95% LTV and a credit score of 780. $2,596.62 payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Monthly Mortgage Insurance premiums (MIP) and upfront Mortgage Insurance Premiums apply to FHA loans. VA Funding Fee applies to VA loans.

30 Year USDA mortgage rate is based on a purchase transaction with a base loan amount of $420,000, 95% LTV and a credit score of 780. $2,577.74 payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. USDA monthly Guaranty Fee applies.