What makes North Carolina home loans different:

• Inventory is growing. Inventory is up more than 9% year over year — giving buyers significantly more options than in recent years.
• No state transfer tax surprise. North Carolina has a real estate excise tax paid by the seller at closing, which can affect how deals are structured and negotiated. Understanding how this works helps NC buyers go into transactions fully informed.
• Due diligence fee culture. North Carolina is one of the only states in the country that uses a due diligence fee system. This upfront, non-refundable fee is paid directly to the seller and is unique to NC — something every buyer should understand before making an offer.
• Military and VA loan country. With Fort Liberty (formerly Fort Bragg) and Camp Lejeune among the largest military installations in the nation, VA loans are one of the most common and important loan types in North Carolina. New Era Lending works with active duty, veterans, and surviving spouses across the state every day.