Your NCCYou Mortgage Options
Mortgage Options Made Easy With NCCYouChoosing the right mortgage lender is a very important decision and as your best local mortgage provider, we are here for YOU! Whether you are a first time homebuyer, ready to refinance for a lower interest rate to save money, or looking to purchase your dream vacation home, we can cover your needs with a variety of mortgage choices. We offer competitive rates, friendly, personal service, and flexible terms based on your unique situation and needs.
Give Yourself a Little Breathing Room with Skip a Pay!
When life gets busy, NCCYou is here to help. Our skip-a-pay program may give you extra flexibility when you need it most. With skip-a-pay, eligible members may be able to skip a loan payment or two and keep more money in their pocket for other priorities.
Terms and Conditions
- Member may qualify for up to two months of skipped payments.
- Loans with a monthly payment of more than $500 or have 72-month term or greater are only eligible to skip one month.
- You must have a minimum payment history of twelve months to have a qualifying loan.
- For joint loans, all borrowers must sign the form.
- A $35 charge will be added to your loan balance for each month you choose to skip a pay, and if you choose to donate to the Children’s Miracle Network and additional $5 will be added for a total of $40.
- Visa, student loans, lines of credit, single payment notes, real estate, home equity, and mortgage loans are not eligible.
- Loans that are currently delinquent, have missed a payment within the past twelve months, or have been deferred are not eligible.
- Interest continues to accrue on your loans while payments are skipped, your loan term will be extended, and you may pay more interest than was originally scheduled.
- GAP coverage allows for two skipped payments per year, up to 10 over the life of the contract. Coverage will not be extended past the original maturity date.
We’re raising funds for Credit Unions for Kids and Children’s Miracle Network Hospitals. To donate $5, check the box to add it to your loan balance. Thank you for your support!
Additional Financial Hardship Assistance
If you’re facing financial stress, we’re here to help. Contact us to discuss payment support options, loan modifications, or other solutions that may be available to you. Our goal is to help you move forward with clarity and care.