Perennial Mortgage Group

Mortgage Lender serving Raleigh, NC

About Perennial Mortgage Group

Perennial Mortgage Group, founded in 1996 in Raleigh, North Carolina, has established itself as a local lender with decades of experience in the mortgage industry. They emphasize a simple, straightforward, and fast loan process, aiming to provide a pleasurable transaction without surprises. As an A+ BBB Accredited Business since 1997, they have built a reputation for client-centric service.

The group specializes in a diverse range of home loan programs, including Conventional, FHA, VA, Jumbo, and USDA Rural loans, as well as various refinancing options. They cater to a broad spectrum of borrowers, from first-time homebuyers seeking low down payment solutions to those purchasing dream homes or consolidating debt. Their team of experienced loan officers focuses on tailoring financial solutions to meet individual financing needs at competitive rates.

Perennial Mortgage Group prides itself on providing high-quality financial services, guiding clients through educated financial decisions. They offer both fixed-rate and adjustable-rate mortgage options, including hybrid ARMs, ensuring flexibility. Their commitment to personalized service and client education aims to empower borrowers throughout the homeownership journey, reflecting their dedication to long-term client value.

Company Information

Founded: 1996
Lender Type: Direct Lender
Headquarters: Raleigh, NC

Licensed In

NC

Certifications & Credentials

BBB AccreditedFHA ApprovedVA ApprovedUSDA Approved

Digital Capabilities

Online Application
Rate Calculator
Pre-Qualification Tool

Home Loan Products

FHA Loan

Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)
3.5%
Min Down Payment
580
Min Credit Score

VA Loan

Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramLow Down Payment ProgramNo PMI Program
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)
0
580
Min Credit Score

Jumbo Home Loan

Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)

Conventional Loan

Loan Types:
Conventional
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
3%
Min Down Payment
620
Min Credit Score

Home Refinance Loan

Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Good (680-739)Fair (620-679)

Rural Home Loan

Loan Types:
USDA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)
0

Contact Information

8352 Six Forks Rd # 103
Raleigh, NC 27615
US

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Business Information

Category: Mortgage Lender
Location: Raleigh, NC
Status: Standard
Founded: 1996
Type: Direct Lender
NMLS ID: 75333
Profile Views: 6

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