Consumer Loans

All loans are originated and serviced by First Carolina Bank, which allows us to tailor our product offerings to better suit your needs!

Home Mortgage Lending

Whether you’re looking to purchase a new home, improve an existing property, or refinance or cash out, we can help with it all.

Home Equity Lines of Credit (HELOC)

On primary and secondary homes up to $2,000,000, we can assist with home equity lines of credit. Additionally, under certain conditions, we offer second lien position lines.

Construction-Permanent Loans

Our construction-perm loans for both primary and secondary residences have a one-time close, and you will only be responsible for interest payments during the construction phase. Jumbo loans with attractive rates are also available.

Land Loans

A variety of land types are eligible for our land loans, including residential lots and raw land.

Condo, Townhouse, and Condotel

This category also includes non-warrantable condominiums as well as barndominiums that serve as a primary or secondary residence. We do not require a condo questionnaire.

Manufactured Home with Land

We can finance loans up to $250,000 for primary or secondary residences on a permanent foundation.

Non-Real Estate Secured Loans

  • Overdraft Line of Credit
  • Unsecured Loans
  • Auto & Boat Loans
  • CD & Stock Secured Loans



Loan calculators

First Carolina Bank NMLS: 529977 


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