Raleigh, NC - Village District
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Whether you’re ready to get started on the journey to homeownership or you simply have a general mortgage or refinance question, our local mortgage loan experts will be right by your side every step of the way.
Katie Teed
Mortgage Loan Officer
NMLS#: 838384
I have been a part of the Fidelity Bank and Right By You Mortgage team for six years and have served the Triangle area of NC for over 10 years. I help customers in the towns of Apex, Cary, Garner, Holly Springs, Morrisville, Raleigh, and surrounding areas.
Apply NowHome Loan and Refinancing Services in Downtown Raleigh
The Village District in Downtown Raleigh offers a unique blend of urban convenience, historic charm, and strong property values, making it a prime location for people from all walks of life. Whether you’re purchasing a home or looking to refinance, Fidelity Bank provides a range of financing solutions tailored to this highly sought-after neighborhood.
Fixed-Rate Mortgages
Ideal for those seeking stable payments throughout the term of the loan, providing predictability in a fluctuating market. Can be used for both buying or refinancing a home.
FHA Loans
An FHA loan offers lower down payment requirements and flexible credit standards, making it a good option for first-time homebuyers. Their Streamline program offers a simple process for refinancing.
VA Loans
Exclusively for veterans and military families, VA loans offer no down payment and competitive interest rates when buying a home. Refinancing with a VA loan offers lower rates and payments.
USDA Loans
Great for rural areas. Buying with a USDA loan requires no down payment and offers low interest rates. Refinancing into a USDA loan offers better rates for eligible homeowners.
Manufactured Home Loans
These loans cater to those purchasing mobile or modular homes. Refinancing options are also available for manufactured homes with favorable terms.
First Time Homebuyer Loans
Low down payment required, making homeownership accessible for first time homebuyers and community partners without significant savings.
Investment Property Loans
Designed for those buying rental properties to generate income. Right By You Mortgage offers competitive rates and flexible financing options for you.
Second Home Loans
We’re here to turn your dream of buying a second home into a tangible reality, offering an array of great loan options tailored to suit your unique needs.
Hello, Downtown Raleigh
Our Downtown Raleigh location sits in the heart of the Village District, a vibrant and highly sought-after area known for its urban appeal, walkability, and close proximity to downtown Raleigh.
The Village District housing market remains competitive, attracting a mix of buyers looking for upscale condos, townhomes, and historic single-family homes. Its desirable location, access to top-rated schools, and walkable shopping and dining options make it one of Raleigh’s most sought-after areas. However, housing affordability continues to be a challenge, with home prices often exceeding Raleigh’s median – especially for first-time buyers.
With strong market demand, mortgage interest rates in the Village District are a key factor for buyers and refinancers. Competitive financing solutions can make all the difference, and working with a local lender familiar with the area’s property dynamics can provide a crucial advantage.
As one of Raleigh’s first mixed-use developments, Cameron Village, now the Village District, has evolved into a thriving community that continues to attract residents looking for a balance of city convenience and neighborhood charm. If you’re buying a home or refinancing in the area, Katie Teed – one of the best mortgage lenders around – is here to guide you through the process with insights specific to this competitive market.
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Understanding Homebuyer Programs in Downtown Raleigh
Buying a home in the Downtown Raleigh Village District comes with valuable opportunities, especially for those looking for a mortgage. With various mortgage programs available, buyers can find options that make homeownership more accessible. We will work with you on the most important part, securing the ideal mortgage loan for you.
Mortgage Programs
There are residential mortgage programs that make homeownership more achievable. These may include lower down payments and more flexibility to help lower the upfront costs of buying a home.
Eligibility for Mortgages
Certain mortgage solutions – like FHA loans, VA loans, and USDA loans – offer low interest rates and easier qualification requirements, making homeownership more accessible to those who meet the criteria. FHA loans are ideal for first-time homebuyers or those with less-than-perfect credit, while VA loans are specifically for veterans, active military members, and their families. USDA loans are available for homes in rural or suburban areas, offering no down payment and competitive interest rates.
Improving Credit for Better Mortgage Terms
One of the most important steps in securing mortgage pre-approval is improving your credit score. Lenders typically look at your credit score, and the better your score, the more favorable your loan estimate and terms may be. Consider paying down outstanding debt, making on-time payments, and avoiding new credit applications before applying for a mortgage. As one of the leading mortgage companies in Raleigh, North Carolina, Right By You Mortgage can help you develop a strategy to boost your credit and improve your chances of securing a pre-approved loan.
A strong credit profile makes it easier to qualify for better financing options. Paying down existing credit cards and other debts can improve eligibility, while avoiding new credit inquiries also helps maintain a favorable credit score. We understand that this is a process and working with an experienced mortgage loan officer at Right By You Mortgage in downtown Raleigh Village District can make a substantial difference when it comes to improving your financial standing.
No matter if you’re a first-time buyer or refinancing, you deserve to work with one of the best mortgage lenders. At Right By You Mortgage, we help buyers navigate the competitive market with confidence. Schedule an appointment to meet Katie Teed, at the Fidelity Bank Downtown Raleigh branch in the Village District to explore tailored loan solutions, receive expert advice, and take the next step toward buying or refinancing your home.
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