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Home Loans

find your nest. be at home.

Homes aren’t one-size-fits-all. Neither are home loans. That’s why we begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. With competitive rates and lower fees than most lenders, our mortgages are easy to live with, today and for years to come. Already house hunting? Our free worksheets can help you find your happy place »

Mortgage Eliminator Loan

Eliminate your mortgage as fast as possible with little to no closing costs

Fixed-Rate Mortgages

Fixed monthly payments amortized over 15, 20 or 30 years more »

Adjustable-Rate Mortgages

Low starting payments for a set period, followed by variable rates

Construction Loans

Resources and guidance to support your new home construction

First Time HomeBuyer

Great program with a low downpayment option in North Carolina

FHA Loans

Buy a home with a smaller downpayment and get competitive rates

VA Loans

Up to 100% financing for retired and active service members more »

Special Programs

For mortgages of all kinds – second homes, investment properties and more

Service My Mortgage

Portal for members wishing to service their mortgage online.

What others are saying

Three generations female playing on the beach
Lodemia L.
Hamptonville, NC

It was nice to finally find someone to go above and beyond to help them.

dad and son being silly selfie
Ken M.
member since 2005

As always you are very helpful, courteous, and professional. You and people like you are the reason I am with Allegacy and will never go back to a bank.

couple in car selfie
Laura G.
member from Kernersville, NC

We had heard very positive comments regarding Allegacy so we applied for membership and a vehicle loan. Selina made the whole experience seamless and enjoyable. We will certainly consider Allegacy for any future financial needs.

family selfie with dog
David T.
member from Anaheim, CA

At 1st, I was weary of the thought an out of state bank. Brandi and your team made the process so easy. She was very responsive informative and helpful. I am very thankful i found you guys.

2018 Best Places to Work

Allegacy was the second place winner in the 2018 Best Places to Work awards program by the Triad Business Journal.

read all about it

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Questions? Find out what makes us different.


  • All loans are subject to credit & property approval. Rates are based on your credit history and profile. Rates, terms and products are subject to change without notice.

  • First mortgages are available in CA, CT, DE, District of Columbia, FL, GA, IL, IN, MD, NJ, NY, NC, PA, SC, TX, VA, WV.

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