All branches will be closed Monday, February 21 in observance of Presidents' Day. See Holiday Schedule.

We Make Home Loans Easy!

We specialize in new home loans, refinancing existing home loans, and making the process as easy for you as possible. Whether you’re purchasing your dream home, or refinancing your current home, our team of experts will help you every step of the way.

Home Loans

  • 100% Financing with no Private Mortgage Insurance (PMI) for qualified loans*
  • Fixed Rate and Adjustable Rates
  • FHA Loans
  • First-time home buyer loans
  • Lending is limited to North Carolina
  • Rates change daily – call to lock in your rate today

Home Refinancing

  • Up to 95% financing of appraised value
  • Up to 96.5% financing of appraised value is available for FHA Loans
  • Lending is limited to North Carolina
  • Rates change daily – call to lock in your rate today

Speak to our Home Loan Experts today by calling our Home Loan Call Center at 336-662-6206 or 877-223-9563, applying online, or stopping by your local branch.

*100% financing is available for well qualified buyers. Subject to credit approval. Applicable for 30-year variable and 15-year fixed loans only.

Maximum loan-to-value varies depending on the property type. Possible costs include appraisal, attorney fees, flood insurance, recording fee, survey, tax stamps/mortgage tax, title insurance, title search.

Summit Credit Union NMLS ID 446557

Home Loan Professionals

Meet Your Home Loan Professional

Call to make an appointment with and meet one of our home loan professionals. They can help with the following.

Want to know more about home ownership? Our Home Loan Professional will be available to answer all your questions from 10am – 4pm. No appointment needed and light refreshments are provided.

  • Home Loan options
  • Down payment and closing requirements
  • Preparing to buy
  • Credit score concerns
  • Documents needed

Greensboro, High Point, Oxford, Raleigh, Winston-Salem and Other Areas of Central and Eastern North Carolina

Photo of Dirk Spainhour

Dirk Spainhour
NMLS ID 464620

Hickory and Other Areas of Western North Carolina

Photo of Patrick Featherstone

Patrick Featherstone
828-267-5768, ext 6565
NMLS ID 810170

Oxford and Raleigh and other areas of Eastern North Carolina

919-571-0767, ext 6538
NMLS ID ??????