Please ensure Javascript is enabled for purposes of website accessibility

1-954-667-9110

FHA Mortgage Lenders North Carolina

FHA Mortgage Lenders North Carolina
What Is an FHA Mortgage?

An FHA mortgage loan issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Created for low-to-moderate-income borrowers, FHA mortgage loans require lower minimum down payments and credit scores than many conventional loans.

FHA Mortgage Applicants Frequently Ask, “What is the minimum credit score for an FHA loan?”

FHA Mortgage Lenders Require Minimum Down Payments 

  • 3.5% Down Payment can be from downpayment assistance or gifted.
  • The seller can pay up to 6% of the sale price for the closing costs!
  • Credit Scores as Low as 500 case by case!
  • 3 year waiting period for prior short sales and foreclosures.

FHA Requires Minimum Downpayment and Closing Cost!

• North Carolina Down payment only 3.5% of the purchase price.
• Gifts from family or Grants for down payment assistance and closing costs OK!
• Seller can credit buyers up to 6% of sales price towards buyer’s costs.
• No reserves or future payments in account required.
• FHA regulated closing costs.

FHA Mortgages Have Minimum Downpayment And Closing Cost!

•  Purchase a  home 12 months after a chapter 13 Bankruptcy
• Purchase a  Florida 24 months after a chapter 7 Bankruptcy.
• FHA will allow an FHA mortgage 3 years after a Foreclosure.
• Minimum FICO credit score of 580 required for 96.5% financing.
• Bad credit Florida FHA mortgage approvals minimum FICO credit score of 500 required for 90 FHA financing.
• No Credit Score Florida mortgage loans & No Trade Line Florida FHA home loans.

North Carolina FHA Mortgage Loans Limits Explained

One limitation you will find with an FHA mortgage is the loan limits set by HUD.  The annual FHA Loan limits are set by FHA and limit the amounts you are allowed to borrow.  The FHA search tool provided by the FHA list the FHA loan limits by county located here FHA Loan Limits Search Tool!   

Will FHA Mortgage Lenders Accept bad credit? 

What are the requirements for a manually underwritten mortgage? The bad credit FHA mortgage lenders must use a traditional credit report, if available. A Residential Mortgage Credit report (RMCR) must be obtained from an independent credit reporting agency.  The Bad credit FHA mortgage lenders must use the same…

FHA Mortgage Lenders Allow Higher Debt To Income Ratios

• FHA allows higher debt ratios than any other Florida home loan program.
• Less than two years on the same job is OK!
• Self-employed buyers can also qualify for FHA.
• Check Florida FHA Mortgage Articles for more information.

How Are FHA Mortgage Loans Different?

FHA mortgage is the government’s form of mortgage insurance that requires that you pay two types of FHA mortgage insurance premiums. The UFMIP Upfront Mortgage Insurance Premium is paid at closing and the Annual MIP is charged monthly. The Upfront MIP is based on the FHA base loan amount.  You pay this at the time of closing, or it can be financed into the loan.  The UFMIP and MIP payments are deposited into an escrow account set up by the U.S. Treasury Department, and the funds are used to cover FHA in the case of default.

Can I get pre-approved After Bankruptcy?

A Chapter 7 bankruptcy (liquidation) does not disqualify an FHA mortgage applicant from obtaining an FHA-insured Mortgage if, at the time of case number assignment, at least 2 years have passed since the date and 12 months after a chapter 13 bankruptcy.…

North Carolina FHA Mortgage Lenders Coverage Areas

North Carolina City ZIP Code County
1ST CHICAGO NAT PROC CORP 28290 MECKLENBURG
A M F GREENSBORO 27425 GUILFORD
A&T STATE UNIVERSITY 27411 GUILFORD
ABERDEEN 28315 MOORE
ABSHERS 28685 WILKES
ACME 28456 COLUMBUS
ADAMS 28607 WATAUGA
ADVANCE 27006 DAVIE
AHO 28605 WATAUGA
AHOSKIE 27910 HERTFORD
ALAMANCE 27201 ALAMANCE
ALARKA 28713 SWAIN
ALBEMARLE 2800X STANLY
ALBERTSON 28508 DUPLIN
ALEXANDER 28701 BUNCOMBE
ALEXANDER MILLS 28043 RUTHERFORD
ALEXANDER MLS 28043 RUTHERFORD
ALEXIS 28006 GASTON
ALL HEALING SPRINGS 28681 ALEXANDER
ALLEN JAY 27263 GUILFORD
ALLIANCE 28509 PAMLICO
ALLISON 27326 ROCKINGHAM
ALMOND 28702 SWAIN
ALTAMAHAW 27202 ALAMANCE
ALTAMONT 28657 AVERY
AMANTHA 28679 WATAUGA
AMF G BORO 27425 GUILFORD
AMF GREENSBORO 27425 GUILFORD
AMITY 27013 ROWAN
ANDERSON 27949 DARE
ANDREWS 28901 CHEROKEE
ANGIER 27501 HARNETT
ANSONVILLE 28007 ANSON
APEX 27502 WAKE
APPALACHIAN STATE UNIV 28608 WATAUGA
APPLE GROVE 28643 ASHE
AQUADALE 28128 STANLY
AQUONE 28703 MACON
ARAPAHOE 28510 PAMLICO
ARARAT 27007 SURRY
ARCADIA 27292 DAVIDSON
ARCHDALE 27263 GUILFORD
ARCHERS LODGE 27520 JOHNSTON
ARDEN 28704 BUNCOMBE
ARDMORE 27103 FORSYTH
ARLINGTON 28642 YADKIN
ARNOLD 27292 DAVIDSON
ASH 28420 BRUNSWICK
ASH HILL 27007 SURRY
ASHEBORO 2720X RANDOLPH
ASHEVILLE 288XX BUNCOMBE
ASHLAND 28615 ASHE
ASSEMBLY 28745 HAYWOOD
AT T-IS 28294 MECKLENBURG
ATKINSON 28421 PENDER
ATLANTIC 28511 CARTERET
ATLANTIC BCH 28512 CARTERET
ATLANTIC BEACH 28512 CARTERET
AULANDER 27805 BERTIE
AURORA 27806 BEAUFORT
AUSTIN 28621 SURRY
AUTRYVILLE 28318 SAMPSON
AVENT FERRY 27606 WAKE
AVENT FERRY RD 27606 WAKE
AVON 27915 DARE
AYDEN 28513 PITT
AYDLETT 27916 CURRITUCK
AYERSVILLE 27027 ROCKINGHAM
B S L 28461 BRUNSWICK
BADIN 28009 STANLY
BADIN AIR NATIONAL GUARD STA 28009 STANLY
BAGLEY 27542 JOHNSTON
BAHAMA 27503 DURHAM
BAILEY 27807 NASH
BAKERSVILLE 28705 MITCHELL
BALD HEAD ISLAND 28461 BRUNSWICK
BALDWIN 28694 ASHE
BALL 28643 ASHE
BALM 28604 AVERY
BALSAM 28707 JACKSON
BALSAM GROVE 28708 TRANSYLVANIA
BAMBOO 28605 WATAUGA
BANNER ELK 28604 AVERY
BANNER ELK 28691 WATAUGA
BARBER 27008 ROWAN
BARCO 27917 CURRITUCK
BARIUM SPNGS 28010 IREDELL
BARIUM SPRINGS 28010 IREDELL
BARNARDSVILLE 28709 BUNCOMBE
BARNESVILLE 28319 ROBESON
BARRETT 28623 ALLEGHANY
BARRIERS MILL 28124 CABARRUS
BAT CAVE 28710 HENDERSON
BATH 27808 BEAUFORT
BATON 28630 CALDWELL
BATTLEBORO 27809 EDGECOMBE
BAYBORO 28515 PAMLICO
BEAR CREEK 27207 CHATHAM
BEAR POPLAR 28125 ROWAN
BEARGRASS 27892 MARTIN
BEAUFORT 28516 CARTERET
BEAVER CREEK 28694 ASHE
BEDFORD FAIR INDUSTRIES 28410 NEW HANOVER
BEE LOG 28714 YANCEY
BEECH BOTTOM 28657 AVERY
BEECH CREEK 28679 WATAUGA
BEECH MOUNTAIN 28604 AVERY
BELEW CREEK 27009 FORSYTH
BELEWS CREEK 27009 FORSYTH
BELHAVEN 27810 BEAUFORT
BELLARTHUR 27811 PITT
BELLS CROSS ROADS 28166 IREDELL
BELMONT 28012 GASTON
BELVIDERE 27919 PERQUIMANS
BELWOOD 28090 CLEVELAND
BENHAM 28621 SURRY
BENNETT 27208 CHATHAM
BENSON 27504 JOHNSTON
BERMUDA RUN 27006 DAVIE
BESSEMER CITY 28016 GASTON
BETHABARA 27106 FORSYTH
BETHANIA 27010 FORSYTH
BETHEL 27812 PITT
BETHLEHEM 28601 CATAWBA
BEULAVILLE 28518 DUPLIN
BIGGS PARK 28358 ROBESON
BILTMORE 28813 BUNCOMBE
BISCOE 27209 MONTGOMERY
BIXBY 27006 DAVIE
BLACK CREEK 27813 WILSON
BLACK MN SANT 28711 BUNCOMBE
BLACK MOUNTAIN 28711 BUNCOMBE
BLACK MOUNTAIN SANATORIUM 28711 BUNCOMBE
BLACK MTN 28711 BUNCOMBE
BLACKBURN 28658 CATAWBA
BLADENBORO 28320 BLADEN
BLANCH 27212 CASWELL
BLANCHE 27212 CASWELL
BLING SPR LKS 28461 BRUNSWICK
BLOUNTS CREEK 27814 BEAUFORT
BLOWING ROCK 28605 WATAUGA
BLUFF 28743 MADISON
BLY 28643 ASHE
BOGER CITY 28092 LINCOLN
BOILING SPGS 28017 CLEVELAND
BOILING SPGS 28461 BRUNSWICK
BOILING SPRING LAKES 28461 BRUNSWICK
BOILING SPRINGS 28017 CLEVELAND
BOLIVIA 28422 BRUNSWICK
BOLTON 28423 COLUMBUS
BONLEE 27213 CHATHAM
BONNIE DOONE 28303 CUMBERLAND
BOOGERTOWN 28052 GASTON
BOOMER 28606 WILKES
BOONE 2860X WATAUGA
BOONEVILLE 27011 YADKIN
BOONVILLE 27011 YADKIN
BOSTIC 28018 RUTHERFORD
BOSTIC YARD 28018 RUTHERFORD
BOULEVARD 27288 ROCKINGHAM
BOWDENS 28398 DUPLIN
BOWMAN GRAY SCHOOL OF MED 27157 FORSYTH
BRADFORDS CROSS ROADS 28677 IREDELL
BRANCH BANK AND TRUST (BB&T) 28258 MECKLENBURG
BRANDON 28643 ASHE
BRANON 27055 YADKIN
BRASSTOWN 28902 CLAY
BRENTWOOD 27604 WAKE
BREVARD 28712 TRANSYLVANIA
BRIDGETON 28519 CRAVEN
BRIDGEWATER 28655 BURKE
BRIGHTWOOD 27214 GUILFORD
BRINDLE TOWN 28655 BURKE
BROADWAY 27505 LEE
BROOK COVE 27052 STOKES
BROOKS CROSS ROADS 27020 YADKIN
BROWN MOUNTAIN BEACH 28645 CALDWELL
BROWN SUMMIT 27214 GUILFORD
BROWNS SUMMIT 27214 GUILFORD
BROWNWOOD 28684 ASHE
BROYHILL FURNITURE 28633 CALDWELL
BRUNSWICK 28424 COLUMBUS
BRYSON CITY 28713 SWAIN
BUCK SHOALS 27020 YADKIN
BUCKHORN 27243 ORANGE
BUFFALO COVE 28645 CALDWELL
BUIES CREEK 27506 HARNETT
BULLOCK 27507 GRANVILLE
BUNN 27508 FRANKLIN
BUNNLEVEL 28323 HARNETT
BURCH 28621 SURRY
BURGAW 28425 PENDER
BURKEMONT 28655 BURKE
BURL 27215 ALAMANCE
BURLINGTON 272XX ALAMANCE
BURLINGTON HOUSE 27321 ROCKINGHAM
BURNINGTOWN 28734 MACON
BURNSVILLE 28714 YANCEY
BUSICK 27214 GUILFORD
BUTNER 27509 GRANVILLE
BUTTERS 28324 BLADEN
BUXTON 27920 DARE
BYNUM 27228 CHATHAM
CALABASH 28467 BRUNSWICK
CALDWELL 28078 MECKLENBURG
CALL 28659 WILKES
CALVIN 28655 BURKE
CALYPSO 28325 DUPLIN
CAMDEN 27921 CAMDEN
CAMERON 28326 MOORE
CAMERON BROWN 28296 MECKLENBURG
CAMERON VILLAGE 27605 WAKE
CAMP LEJEUNE 2854X ONSLOW
CAMP SPRINGS 27320 ROCKINGHAM
CANDEN 27229 MONTGOMERY
CANDLER 28715 BUNCOMBE
CANDOR 27229 MONTGOMERY
CANTON 28716 HAYWOOD
CAPE CARTERET 28584 ONSLOW
CAPE FEAR 28401 NEW HANOVER
CAPE HATTERAS NATIONAL SEASH 27954 DARE
CAPE HATTERAS NAVAL FACILITY 27920 DARE
CAPE LOOKOUT NATIONAL SEASHO 28516 CARTERET
CARBONTON 27330 LEE
CAROLEEN 28019 RUTHERFORD
CAROLINA BCH 28428 NEW HANOVER
CAROLINA BEACH 28428 NEW HANOVER
CAROLINA HILLS 28732 HENDERSON
CAROLINA POWER AND LIGHT CO 27698 WAKE
CAROVA BEACH 27927 CURRITUCK
CARPENTER BOTTOM 28652 AVERY
CARRBORO 27510 ORANGE
CARTHAGE 28327 MOORE
CARTOOGECHAYE 28734 MACON
CARY 2751X WAKE
CASAR 28020 CLEVELAND
CASHIERS 28717 JACKSON
CASTALIA 27816 NASH
CASTLE HAYNE 28429 NEW HANOVER
CASVILLE 27326 ROCKINGHAM
CASWELL BEACH 28465 BRUNSWICK
CATAWBA 28609 CATAWBA
CATAWBA HEIGHTS 28012 GASTON
CEDAR FALLS 27230 RANDOLPH
CEDAR GROVE 27231 ORANGE
CEDAR ISLAND 28520 CARTERET
CEDAR MOUNTAIN 28718 TRANSYLVANIA
CEDAR MTN 28718 TRANSYLVANIA
CEDAR POINT 28584 ONSLOW
CEDAR VALLEY 28645 CALDWELL
CELESTE HINKLE 28677 IREDELL
CENTER 27055 YADKIN
CENTERVIEW 28081 CABARRUS
CERRO GORDO 28430 COLUMBUS
CHADBOURN 28431 COLUMBUS
CHAMPION 28624 WILKES
CHAPEL HILL 275XX ORANGE
CHARLES 28677 IREDELL
CHARLOTTE 282XX MECKLENBURG
CHARLOTTE WATER DEPT 28250 MECKLENBURG
CHASE PACKAGING INC 27322 ROCKINGHAM
CHEROKEE 28719 SWAIN
CHERRY LANE 28627 ALLEGHANY
CHERRY POINT 28533 CRAVEN
CHERRY POINT MARINE CORPS AI 28533 CRAVEN
CHERRYGROVE 27320 ROCKINGHAM
CHERRYVILLE 28021 GASTON
CHESTERFIELD 28655 BURKE
CHESTNUT DALE 28657 AVERY
CHESTNUT HILL 28617 ASHE
CHIMNEY ROCK 28720 RUTHERFORD
CHINA GROVE 28023 ROWAN
CHINQUAPIN 28521 DUPLIN
CHOCOWINITY 27817 BEAUFORT
CHURCHLAND 27292 DAVIDSON
CID 27292 DAVIDSON
CLAREMONT 28610 CATAWBA
CLARENDON 28432 COLUMBUS
CLARKTON 28433 BLADEN
CLAYTON 27520 JOHNSTON
CLEMMONS 27012 FORSYTH
CLEVELAND 27013 ROWAN
CLEVELAND SPRINGS 28150 CLEVELAND
CLIFFDALE 28018 RUTHERFORD
CLIFFSIDE 28024 RUTHERFORD
CLIFTON 28693 ASHE
CLIMAX 27233 GUILFORD
CLINGMAN 28670 WILKES
CLINTON 28328 SAMPSON
CLYDE 28721 HAYWOOD
COATS 27521 HARNETT
COFIELD 27922 HERTFORD
COINJOCK 27923 CURRITUCK
COLERAIN 27924 BERTIE
COLERIDGE 27316 RANDOLPH
COLFAX 27235 GUILFORD
COLLEGE 27708 DURHAM
COLLETTSVILLE 28611 CALDWELL
COLLINGTON 27949 DARE
COLON 27330 LEE
COLUMBIA 27925 TYRRELL
COLUMBUS 28722 POLK
COMET 28643 ASHE
COMFORT 28522 JONES
COMO 27818 HERTFORD
CONCORD 2802X CABARRUS
CONETOE 27819 EDGECOMBE
CONNELLYS SPG 28612 BURKE
CONNELLYS SPRINGS 28612 BURKE
CONOVER 28613 CATAWBA
CONWAY 27820 NORTHAMPTON
COOL SPRING 27013 ROWAN
COOLEEMEE 27014 DAVIE
COPELAND 27017 SURRY
CORAPEAKE 27926 GATES
CORDOVA 28330 RICHMOND
CORINTH 28018 RUTHERFORD
CORNELIUS 28031 MECKLENBURG
CORNELIUS 28036 MECKLENBURG
CORNELIUS 28078 MECKLENBURG
COROLLA 27927 CURRITUCK
CORRELL PARK 28144 ROWAN
COTTON GROVE 27292 DAVIDSON
COTTONVILLE 28128 STANLY
COUNCIL 28434 BLADEN
COUNTRY PARK ACRES 27408 GUILFORD
COUNTYLINE 28634 IREDELL
COURTNEY 27055 YADKIN
COVE CITY 28523 CRAVEN
COWEE 28734 MACON
CP LEJEUNE MCB 28542 ONSLOW
CP LEJEUNEMCB 28542 ONSLOW
CRABTREE VALLEY 27612 WAKE
CRAMERTON 28032 GASTON
CRANBERRY 28614 AVERY
CRANBERRY GAP 28657 AVERY
CREEDMOOR 27522 GRANVILLE
CREEDMOOR 27564 GRANVILLE
CRESTON 28615 ASHE
CRESWELL 27928 WASHINGTON
CRICKET 28659 WILKES
CRISP 27852 EDGECOMBE
CROSSNORE 28616 AVERY
CROUSE 28033 LINCOLN
CROWDERS 28052 GASTON
CRUMPLER 28617 ASHE
CULBERSON 28903 CHEROKEE
CULLASAJA 28734 MACON
CULLOWHEE 28723 JACKSON
CUMBERLAND 28331 CUMBERLAND
CUMNOCK 27237 LEE
CURRIE 28435 PENDER
CURRITUCK 27929 CURRITUCK
CYCLE 27020 YADKIN
DALLAS 28034 GASTON
DALTON 27043 STOKES
DANA 28724 HENDERSON
DANBURY 27016 STOKES
DANIELS-RHYNE 28092 LINCOLN
DARBY 28624 WILKES
DARKRIDGE 28622 AVERY
DAVIDSON 28036 MECKLENBURG
DAVIS 28524 CARTERET
DEEP GAP 28618 WATAUGA
DEEP RIVER 27260 GUILFORD
DEEP RUN 28525 LENOIR
DEERFIELD 28607 WATAUGA
DEHART 28635 WILKES
DELCO 28436 COLUMBUS
DELIGHT 28090 CLEVELAND
DENNY 28624 WILKES
DENTON 27239 DAVIDSON
DENVER 28037 LINCOLN
DEVOTION 27017 SURRY
DILLSBORO 28725 JACKSON
DIMMETTE 28670 WILKES
DOBBINS HEIGHTS 28345 RICHMOND
DOBBINSVILLE 28040 RUTHERFORD
DOBSON 27017 SURRY
DOCKERY 28685 WILKES
DOLINGER 28643 ASHE
DOOLIE 28115 IREDELL
DORAN 28150 CLEVELAND
DORTCHES 27801 EDGECOMBE
DOSIER 27040 FORSYTH
DOUBLE ISLAND 28740 YANCEY
DOUBLE SHOALS 28090 CLEVELAND
DOUGHTON 28683 WILKES
DOVER 28526 CRAVEN
DOWNTOWN 28802 BUNCOMBE
DRACO 28645 CALDWELL
DRAKE 27809 EDGECOMBE
DRAPER 27288 ROCKINGHAM
DREXEL 28619 BURKE
DRUMS CROSSROADS 28658 CATAWBA
DUAN 28658 CATAWBA
DUBLIN 28332 BLADEN
DUDLEY 28333 WAYNE
DUDLEY SHOALS 28630 CALDWELL
DUKE 2770X DURHAM
DUKE MEDICAL CTR 27710 DURHAM
DUKE POWER 28242 MECKLENBURG
DUKE UNIVERSITY 2770X DURHAM
DUNCAN 27526 WAKE
DUNN 2833X HARNETT
DURALEIGH 27612 WAKE
DURANTS NECK 27930 PERQUIMANS
DURANTS NECK 27944 PERQUIMANS
DURHAM 277XX DURHAM
E FAYETTEVLLE 28301 CUMBERLAND
E FLAT ROCK 28726 HENDERSON
E LAURINBURG 28352 SCOTLAND
E P A 27711 DURHAM
EAGLE 27020 YADKIN
EAGLE ROCK 27523 WAKE
EAGLE SPRINGS 27242 MOORE
EARL 28038 CLEVELAND
EAST BEND 27018 YADKIN
EAST CAROLINA UNIV 27834 PITT
EAST CAROLINA UNIVERSITY 27834 PITT
EAST FAYETTEVILLE 28301 CUMBERLAND
EAST FLAT ROCK 28726 HENDERSON
EAST FRANKLIN 28734 MACON
EAST LAKE 27953 DARE
EAST LAPORT 28723 JACKSON
EAST LAURINBURG 28352 SCOTLAND
EAST MONBO 28677 IREDELL
EAST SPENCER 28039 ROWAN
EASTOVER 28301 CUMBERLAND
EDEN 2728X ROCKINGHAM
EDENTON 27932 CHOWAN
EDGEMONT 28645 CALDWELL
EDNEYVILLE 28727 HENDERSON
EDWARD 27821 BEAUFORT
EDWARDS CROSSROADS 28675 ALLEGHANY
EFLAND 27243 ORANGE
ELA 28713 SWAIN
ELECTRONIC DATA SYSTEMS INC 28253 MECKLENBURG
ELIZ CITY 27909 PASQUOTANK
ELIZABETH CITY 2790X PASQUOTANK
ELIZABETH CITY COAST GUARD A 27909 PASQUOTANK
ELIZABETH CTY 2790X PASQUOTANK
ELIZABETHTOWN 28337 BLADEN
ELK PARK 28622 AVERY
ELK VALLEY 28604 AVERY
ELKIN 28621 SURRY
ELLENBORO 28040 RUTHERFORD
ELLENDALE 28681 ALEXANDER
ELLER 27107 FORSYTH
ELLERBE 28338 RICHMOND
ELLIJAY 28734 MACON
ELLISBORO 27025 ROCKINGHAM
ELM CITY 27822 WILSON
ELMWOOD 28677 IREDELL
ELON 27244 ALAMANCE
ELON COLLEGE 27244 ALAMANCE
EMERALD ISLE 28594 CARTERET
EMERSON 28433 BLADEN
EMERYWOOD 27262 GUILFORD
EMIT 27557 NASH
ENFIELD 27823 HALIFAX
ENGELHARD 27824 HYDE
ENKA 28728 BUNCOMBE
ENKA VILLAGE 28728 BUNCOMBE
ENNICE 28623 ALLEGHANY
ENO VALLEY 27712 DURHAM
ENOLA 28655 BURKE
ENTERPRISE 27292 DAVIDSON
ERASTUS 28723 JACKSON
ERNUL 28527 CRAVEN
ERWIN 28339 HARNETT
ERWIN HEIGHTS 27360 DAVIDSON
ESSEX 27844 HALIFAX
ESTELLE 27305 CASWELL
ETHER 27247 MONTGOMERY
ETOWAH 28729 HENDERSON
EUFOLA 28677 IREDELL
EURE 27935 GATES
EUREKA 27830 WAYNE
EUTAW 28303 CUMBERLAND
EVERETTS 27825 MARTIN
EVERGREEN 28438 COLUMBUS
FAIR BLUFF 28439 COLUMBUS
FAIRFIELD 27826 HYDE
FAIRMONT 28340 ROBESON
FAIRPLAINS 28659 WILKES
FAIRVIEW 28730 BUNCOMBE
FAIRVIEW CROSS ROADS 27017 SURRY
FAISON 28341 DUPLIN
FAITH 28041 ROWAN
FALCON 28342 CUMBERLAND
FALKLAND 27827 PITT
FALLSTON 28042 CLEVELAND
FARMER 27203 RANDOLPH
FARMERS STORE 28643 ASHE
FARMINGTON 27028 DAVIE
FARMVILLE 27828 PITT
FAY 28301 CUMBERLAND
FAYETTEVILLE 28307 CUMBERLAND
FAYETTEVILLE 28308 CUMBERLAND
FAYETTEVILLE 283XX CUMBERLAND
FAYETTEVILLE MUNICIPAL AIRPO 28306 CUMBERLAND
FAYETTEVILLE ST MALL 27601 WAKE
FEARRINGTON VILLAGE 27312 CHATHAM
FEEZOR 27292 DAVIDSON
FERGUSON 28624 WILKES
FIG 28615 ASHE
FINGER 28124 CABARRUS
FINLEY 28645 CALDWELL
FIRST BANK CARD 28245 MECKLENBURG
FISHER TOWN 28081 CABARRUS
FIVE POINTS 27608 WAKE
FLAT ROCK 28731 HENDERSON
FLAT SPRINGS 28622 AVERY
FLAY 28021 GASTON
FLEETWOOD 28626 ASHE
FLETCHER 28732 HENDERSON
FLINT HILL 27371 MONTGOMERY
FLOWES STORE 28025 CABARRUS
FONTANA DAM 28733 GRAHAM
FOOTSVILLE 27055 YADKIN
FOREST CITY 28043 RUTHERFORD
FOREST OAKS 27406 GUILFORD
FORK 27006 DAVIE
FORT BARNWELL 28526 CRAVEN
FORT BRAGG 283XX CUMBERLAND
FORT BRAGG MILITARY 28310 CUMBERLAND
FORT CASWELL 28465 BRUNSWICK
FORT FISHER AIR FORCE STATIO 28449 NEW HANOVER
FORT MACON COAST GUARD BASE 28512 CARTERET
FORT RALEIGH CITY 27954 DARE
FORT RALEIGH NATIONAL HISTOR 27954 DARE
FOSCOE 28604 AVERY
FOUNTAIN 27829 PITT
FOUNTAIN HILL 28133 ANSON
FOUR OAKS 27524 JOHNSTON
FOXFIRE 27281 MOORE
FOXFIRE VILLAGE 27281 MOORE
FRANK 28657 AVERY
FRANKLIN 28734 MACON
FRANKLINTON 27525 FRANKLIN
FRANKLINVILLE 27248 RANDOLPH
FREEMANS MILLS 27260 GUILFORD
FREMONT 27830 WAYNE
FRIENDSHIP 27410 GUILFORD
FRISCO 27936 DARE
FROG LEVEL 28043 RUTHERFORD
FROG POND 28129 STANLY
FROGSBORO 27291 CASWELL
FULP 27052 STOKES
FUQUAY VARINA 27526 WAKE
G BORO BMC 27495 GUILFORD
GAMEWELL 28645 CALDWELL
GARDNER WEBB COLLEGE 28017 CLEVELAND
GARLAND 28441 SAMPSON
GARNER 27529 WAKE
GARYSBURG 27831 NORTHAMPTON
GASTON 27832 NORTHAMPTON
GASTONIA 2805X GASTON
GATES 27937 GATES
GATESVILLE 27938 GATES
GENERAL MAIL FACILITY 28228 MECKLENBURG
GEORGE 27897 NORTHAMPTON
GERMANTON 27019 STOKES
GERTON 28735 HENDERSON
GIBSON 28343 SCOTLAND
GIBSONVILLE 27249 GUILFORD
GILKEY 28139 RUTHERFORD
GLADE VALLEY 28627 ALLEGHANY
GLASS 28081 CABARRUS
GLEN ALPINE 28628 BURKE
GLEN RAVEN 27215 ALAMANCE
GLENDALE SPGS 28629 ASHE
GLENDALE SPRINGS 28629 ASHE
GLENDON 27251 MOORE
GLENOLA 27260 GUILFORD
GLENVILLE 28736 JACKSON
GLENWOOD 28737 MCDOWELL
GLENWOOD CPO 28737 MCDOWELL
GLOBE 28645 CALDWELL
GLOUCESTER 28528 CARTERET
GODWIN 28344 CUMBERLAND
GOLD HILL 28071 ROWAN
GOLDEN 28018 RUTHERFORD
GOLDEN GATE 27405 GUILFORD
GOLDSBORO 2753X WAYNE
GOLDSTON 27252 CHATHAM
GORDONTOWN 27292 DAVIDSON
GOSHEN 28697 WILKES
GRACE 28814 BUNCOMBE
GRACE CHAPEL 28630 CALDWELL
GRAGG 28645 CALDWELL
GRAHAM 27253 ALAMANCE
GRANDFATHER 28604 AVERY
GRANDVIEW HEIGHTS 28607 WATAUGA
GRANDY 27939 CURRITUCK
GRANITE FALLS 28630 CALDWELL
GRANITE QRY 28072 ROWAN
GRANITE QUARRY 28072 ROWAN
GRANTHAM 27530 WAYNE
GRANTSBORO 28529 PAMLICO
GRASSY CREEK 28631 ASHE
GRAYS CHAPEL 27248 RANDOLPH
GRAYSON 28632 ASHE
GREEN MT 28740 YANCEY
GREENHILL 28139 RUTHERFORD
GREENMOUNTAIN 28740 YANCEY
GREENRIVER 28139 RUTHERFORD
GREENSBORO 27495 GUILFORD
GREENSBORO 274XX GUILFORD
GREENSBORO BMC 27495 GUILFORD
GREENSBORO BUSINESS REPLY 27499 GUILFORD
GREENSBORO COURTESY REPLY 27498 GUILFORD
GREENSBORO-HIGH POINT-WINSTO 27410 GUILFORD
GREENVILLE 278XX PITT
GRIFTON 28530 PITT
GRIMESLAND 27837 PITT
GRNR WEBB COL 28017 CLEVELAND
GROOMTOWN 27407 GUILFORD
GROVER 28073 CLEVELAND
GROVES 28052 GASTON
GUILFORD 274XX GUILFORD
GUILFORD COLLEGE 274XX GUILFORD
GUILFORD COURTHOUSE NATIONAL 27408 GUILFORD
GULF 27256 CHATHAM
GUMBERRY 27838 NORTHAMPTON
GUMTREE 27107 FORSYTH
GUTHRIE 27284 FORSYTH
H P 27260 GUILFORD
HALIFAX 27839 HALIFAX
HALLS MILLS 28649 WILKES
HALLSBORO 28442 COLUMBUS
HAMILTON 27840 MARTIN
HAMLET 28345 RICHMOND
HAMPSTEAD 28443 PENDER
HAMPTONVILLE 27020 YADKIN
HAMTOWN 27405 GUILFORD
HANDY 27239 DAVIDSON
HANES 27103 FORSYTH
HANES/LEGGS 27099 FORSYTH
HANNERSVILLE 27292 DAVIDSON
HAPPY VALLEY 28661 CALDWELL
HARBINGER 27941 CURRITUCK
HARE 28627 ALLEGHANY
HARKERS IS 28531 CARTERET
HARKERS ISLAND 28531 CARTERET
HARMONY 28634 IREDELL
HARPERS CROSSROADS 27207 CHATHAM
HARRELLS 28444 SAMPSON
HARRELLSVILLE 27942 HERTFORD
HARRIS 28074 RUTHERFORD
HARRISBURG 28075 CABARRUS
HARRISON CROSS ROADS 27320 ROCKINGHAM
HARTLAND 28645 CALDWELL
HARTMAN 27016 STOKES
HARTS STORE 27022 STOKES
HASSELL 27841 MARTIN
HATTERAS 27943 DARE
HAVELOCK 28532 CRAVEN
HAVELOCK 28533 CRAVEN
HAW BRANCH 27330 LEE
HAW RIVER 27258 ALAMANCE
HAYES 28635 WILKES
HAYESVILLE 28904 CLAY
HAYMOUNT 28305 CUMBERLAND
HAYS 28635 WILKES
HAZELWOOD 28738 HAYWOOD
HEALING SPRINGS 27239 DAVIDSON
HEATON 28622 AVERY
HEDRICK GROVE 27292 DAVIDSON
HELTON 28631 ASHE
HEMBY 28079 UNION
HEMBY BRIDGE 28079 UNION
HEMLOCK 28632 ASHE
HENDERSON 27536 VANCE
HENDERSONVILLE 287XX HENDERSON
HENDERSONVLLE 287XX HENDERSON
HENDRIX 28624 WILKES
HENRICO 27842 NORTHAMPTON
HENRIETTA 28076 RUTHERFORD
HERTFORD 27930 PERQUIMANS
HERTFORD 27944 PERQUIMANS
HICKORY 2860X CATAWBA
HICKORY KNOLL 28734 MACON
HICKS CROSSROADS 28078 MECKLENBURG
HIDDENITE 28636 ALEXANDER
HIGDONVILLE 28734 MACON
HIGH PNT 27260 GUILFORD
HIGH POINT 2726X GUILFORD
HIGH ROCK 27239 DAVIDSON
HIGH SHOALS 28077 GASTON
HIGHFALLS 27259 MOORE
HIGHLANDS 28741 MACON
HIGHWOODS 27625 WAKE
HILDEBRAN 28637 BURKE
HILLCREST 28607 WATAUGA
HILLSBORO 27278 ORANGE
HILLSBOROUGH 27278 ORANGE
HILLSDALE 27006 DAVIE
HILLTOP 27407 GUILFORD
HOBBSVILLE 27946 GATES
HOBGOOD 27843 HALIFAX
HOBUCKEN 28537 PAMLICO
HODGES GAP 28607 WATAUGA
HOFFMAN 28347 RICHMOND
HOLDEN BEACH 28462 BRUNSWICK
HOLLIS 28040 RUTHERFORD
HOLLISTER 27844 HALIFAX
HOLLY GROVE 27292 DAVIDSON
HOLLY RIDGE 28445 ONSLOW
HOLLY SPRINGS 27540 WAKE
HOOKERTON 28538 GREENE
HOPE MILLS 28348 CUMBERLAND
HOPEWELL 28040 RUTHERFORD
HORSE SHOE 28742 HENDERSON
HOT SPRINGS 28743 MADISON
HOUSTONVILLE 28634 IREDELL
HUBERT 28539 ONSLOW
HUDSON 28638 CALDWELL
HUGHES 28657 AVERY
HUNTERSVILLE 28078 MECKLENBURG
HUNTING CREEK 28659 WILKES
HURDLE MILLS 27541 PERSON
HUSK 28639 ASHE
ICARD 28666 BURKE
IDLEWILD 28694 ASHE
INDEX 28694 ASHE
INDIAN TRAIL 28079 UNION
INGALLS 28657 AVERY
INGOLD 28446 SAMPSON
INTEGON CORP 27152 FORSYTH
IOTLA 28734 MACON
IRON STATION 28080 LINCOLN
IVANHOE 28447 SAMPSON
JACKSON 27845 NORTHAMPTON
JACKSON SPGS 27281 MOORE
JACKSON SPRINGS 27281 MOORE
JACKSONS CREEK 27239 DAVIDSON
JACKSONVILLE 28542 ONSLOW
JACKSONVILLE 28543 ONSLOW
JACKSONVILLE 28544 ONSLOW
JACKSONVILLE 28545 ONSLOW
JACKSONVILLE 2854X ONSLOW
JAMESTOWN 27282 GUILFORD
JAMESVILLE 27846 MARTIN
JARVISBURG 27947 CURRITUCK
JEFFERSON 28640 ASHE
JOE 28743 MADISON
JOHNSONVILLE 28326 MOORE
JONAS RIDGE 28641 BURKE
JONESBORO HEIGHTS 27330 LEE
JONESVILLE 28642 YADKIN
JOY 28655 BURKE
JOYCETON 28645 CALDWELL
JOYNES 28685 WILKES
JULIAN 27283 GUILFORD
KANNAPOLIS 2808X CABARRUS
KAPPS MILL 28676 SURRY
KAYSER ROTH 27220 ALAMANCE
KELFORD 27847 BERTIE
KELLERSVILLE 28604 AVERY
KELLY 28448 BLADEN
KENANSVILLE 28349 DUPLIN
KENLY 27542 JOHNSTON
KENNEBEC 27592 WAKE
KENNELLS BEACH 28529 PAMLICO
KERNERSVILLE 2728X FORSYTH
KILBY 28681 ALEXANDER
KILL DEVIL HILLS 27948 DARE
KILL DEVIL HL 27948 DARE
KIMESVILLE 27298 RANDOLPH
KING 27021 STOKES
KINGS CREEK 28645 CALDWELL
KINGS MOUNTAIN 28086 CLEVELAND
KINGS MTN 28086 CLEVELAND
KINGSTOWN 28150 CLEVELAND
KINNAKEET 27915 DARE
KINSTON 2850X LENOIR
KIPLING 27543 HARNETT
KITTRELL 27544 VANCE
KITTY HAWK 27949 DARE
KNIGHTDALE 27545 WAKE
KNOTTS ISLAND 27950 CURRITUCK
KURE BEACH 28449 NEW HANOVER
LA GRANGE 28551 LENOIR
LABORATORY 28092 LINCOLN
LAFAYETTE 28304 CUMBERLAND
LAKE JUNALUSKA 28745 HAYWOOD
LAKE LURE 28746 RUTHERFORD
LAKE TOXAWAY 28747 TRANSYLVANIA
LAKE WACCAMAW 28450 COLUMBUS
LAKEDALE 28306 CUMBERLAND
LAKEVIEW 28350 MOORE
LANDIS 28088 ROWAN
LANSING 28643 ASHE
LASKER 27848 NORTHAMPTON
LATTIMORE 28089 CLEVELAND
LAUREL 28753 MADISON
LAUREL HILL 28351 SCOTLAND
LAUREL SPGS 28644 ALLEGHANY
LAUREL SPRINGS 28644 ALLEGHANY
LAURINBURG 2835X SCOTLAND
LAWNDALE 28090 CLEVELAND
LAWSONVILLE 27022 STOKES
LAXON 28607 WATAUGA
LAYTOWN 28645 CALDWELL
LEAKSVILLE 27288 ROCKINGHAM
LEASBURG 27291 CASWELL
LEGGS PRODUCTS 27098 FORSYTH
LEICESTER 28748 BUNCOMBE
LEJEUNE 28542 ONSLOW
LELAND 28451 BRUNSWICK
LEMON SPRINGS 28355 LEE
LENOIR 286XX CALDWELL
LENOIR RHYNE 28601 CATAWBA
LEVEL CROSS 27317 RANDOLPH
LEWISTON 27849 BERTIE
LEWISTON WOODVILLE 27849 BERTIE
LEWISVILLE 27023 FORSYTH
LEX 27292 DAVIDSON
LEXINGTON 2729X DAVIDSON
LIBERTY 27298 RANDOLPH
LILEDOWN 28681 ALEXANDER
LILESVILLE 28091 ANSON
LILLINGTON 27546 HARNETT
LINCOLNTON 2809X LINCOLN
LINDEN 28356 CUMBERLAND
LINVILLE 28646 AVERY
LINVILLE FALLS 28647 BURKE
LINVILLE FLS 28647 BURKE
LINWOOD 27299 DAVIDSON
LITTLE HORSE CREEK 28643 ASHE
LITTLE RIVER 28681 ALEXANDER
LITTLE SWITZERLAND 28749 MCDOWELL
LITTLETON 27850 HALIFAX
LK JUNALUSKA 28745 HAYWOOD
LOCUST 28097 STANLY
LOGAN STATION 28139 RUTHERFORD
LOMAX 28669 WILKES
LONE HICKORY 27055 YADKIN
LONG BEACH 28465 BRUNSWICK
LONG CREEK 28078 MECKLENBURG
LONG SHOALS 28092 LINCOLN
LONG VIEW 28602 CATAWBA
LONGISLAND 28609 CATAWBA
LONGTOWN 27011 YADKIN
LONGVIEW 2860X CATAWBA
LONGWOOD 28452 BRUNSWICK
LORAY 28677 IREDELL
LOUISBURG 27549 FRANKLIN
LOVE VALLEY 28677 IREDELL
LOVEJOY 27371 MONTGOMERY
LOWELL 28098 GASTON
LOWER PIG PEN 28740 YANCEY
LOWES CO INC 28656 WILKES
LOWESVILLE 28164 GASTON
LOWGAP 27024 SURRY
LOWLAND 28552 PAMLICO
LTL SWITZRLND 28749 MCDOWELL
LUCAMA 27851 WILSON
LUCK 28743 MADISON
LUMBER BRIDGE 28357 ROBESON
LUMBERTON 2835X ROBESON
LUNANA 27851 WILSON
LYNN 28750 POLK
MABEL 28698 WATAUGA
MACCLESFIELD 27852 EDGECOMBE
MACON 27551 WARREN
MADISON 27025 ROCKINGHAM
MAGGIE VALLEY 28751 HAYWOOD
MAGNOLIA 28453 DUPLIN
MAIDEN 28650 CATAWBA
MAMERS 27552 HARNETT
MANNS HARBOR 27953 DARE
MANSON 27553 WARREN
MANTEO 27954 DARE
MAPLE 27956 CURRITUCK
MAPLE HILL 28454 PENDER
MAPLE SPRINGS 28665 WILKES
MARBLE 28905 CHEROKEE
MARCUS 27281 MOORE
MARGARETSVILLE 27853 NORTHAMPTON
MARGARETTSVILLE 27853 NORTHAMPTON
MARGARETTSVL 27853 NORTHAMPTON
MARIETTA 28362 ROBESON
MARION 28737 MCDOWELL
MARION 28752 MCDOWELL
MARLER 27020 YADKIN
MARS HILL 28754 MADISON
MARSHALL 28753 MADISON
MARSHALLBERG 28553 CARTERET
MARSHVILLE 28103 UNION
MARSTON 28363 RICHMOND
MATNEY 28604 AVERY
MATRIMONY 27048 ROCKINGHAM
MATTHEWS 2810X MECKLENBURG
MATTHEWSTOWN 27284 FORSYTH
MAURY 28554 GREENE
MAXTON 28364 ROBESON
MAYHEW 28115 IREDELL
MAYODAN 27027 ROCKINGHAM
MAYSVILLE 28555 JONES
MAYVIEW PARK 28605 WATAUGA
MAZEPPA 28115 IREDELL
MC ADENVILLE 28101 GASTON
MC CAIN 28361 HOKE
MC CUTCHEON FIELD 28545 ONSLOW
MC FARLAN 28102 ANSON
MC GRADY 28649 WILKES
MC LEANSVILLE 27301 GUILFORD
MCAS CHERRY POINT 28533 CRAVEN
MCCAIN 28361 HOKE
MCCULLERS 27603 WAKE
MCCUTCHEON FIELD 28545 ONSLOW
MCCUTCHN FLD 28545 ONSLOW
MCDONALD 28340 ROBESON
MCGRADY 28649 WILKES
MCLEANSVILLE 27301 GUILFORD
MEADOW 27052 STOKES
MEADOW CREEK 28618 WATAUGA
MEADOW SUMMIT 27288 ROCKINGHAM
MEAT CAMP 28607 WATAUGA
MEBANE 27302 ALAMANCE
MERRITT 28556 PAMLICO
MERRY HILL 27957 BERTIE
MICAVILLE 28755 YANCEY
MICRO 27555 JOHNSTON
MIDDLEBURG 27556 VANCE
MIDDLESEX 27557 NASH
MIDDLETOWN 27824 HYDE
MIDLAND 28107 CABARRUS
MIDWAY 27320 ROCKINGHAM
MIDWAY PARK 28544 ONSLOW
MILL CREEK 28684 ASHE
MILL SPRING 28756 POLK
MILLBORO 27248 RANDOLPH
MILLERS CREEK 28651 WILKES
MILLERSVILLE 28681 ALEXANDER
MILLINGPORT 28001 STANLY
MILLS RIVER 28742 HENDERSON
MILTON 27305 CASWELL
MILWAUKEE 27854 NORTHAMPTON
MINERAL SPGS 28108 UNION
MINERAL SPRINGS 28108 UNION
MINNEAPOLIS 28652 AVERY
MINT HILL 28227 MECKLENBURG
MISENHEIMER 28109 STANLY
MOCKSVILLE 27028 DAVIE
MONCURE 27559 CHATHAM
MONROE 2811X UNION
MONROETON 27320 ROCKINGHAM
MONTEZUMA 28653 AVERY
MONTICELLO 27214 GUILFORD
MONTREAT 28757 BUNCOMBE
MOORES CREEK NATIONAL BATTLE 28435 PENDER
MOORESBORO 28114 CLEVELAND
MOORESVILLE 28115 IREDELL
MORATOCK 27371 MONTGOMERY
MORAVIAN FALLS 28654 WILKES
MORAVIAN FLS 28654 WILKES
MORDECAI 27604 WAKE
MOREHEAD CITY 28557 CARTERET
MORGANTON 286XX BURKE
MORLAN PARK 28144 ROWAN
MORRISVILLE 27560 WAKE
MORTIMER 28645 CALDWELL
MORVEN 28119 ANSON
MOUNT AIRY 27030 SURRY
MOUNT AIRY 27031 SURRY
MOUNT GILEAD 27306 MONTGOMERY
MOUNT HERMAN 28645 CALDWELL
MOUNT HOLLY 28120 GASTON
MOUNT MOURNE 28123 IREDELL
MOUNT OLIVE 28365 WAYNE
MOUNT PLEASANT 28124 CABARRUS
MOUNT TABOR 27106 FORSYTH
MOUNT ULLA 28125 ROWAN
MOUNT VERNON 27013 ROWAN
MOUNT ZION 27405 GUILFORD
MOUNTAIN HOME 28758 HENDERSON
MOUNTAIN PARK 28676 SURRY
MOUNTAIN VIEW 28602 CATAWBA
MOXLEY 28685 WILKES
MOYOCK 27958 CURRITUCK
MT AIRY 27030 SURRY
MT AIRY 27031 SURRY
MT PLEASANT 28124 CABARRUS
MT VIEW 28602 CATAWBA
MUDDY CREEK 27103 FORSYTH
MULBERRY 28659 WILKES
MURFREESBORO 27855 HERTFORD
MURPHY 28906 CHEROKEE
MYERS 28635 WILKES
N C DEPT OF MOTOR VEH 27697 WAKE
N C DEPT OF TRAVEL AND PROM 27699 WAKE
N C DEPT REVENUE 276XX WAKE
N C LIBRARY 27635 WAKE
N C NATL BANK 28255 MECKLENBURG
N WILKESBORO 286XX WILKES
NAGS HEAD 27959 DARE
NAKINA 28455 COLUMBUS
NAPLES 28760 HENDERSON
NASHVILLE 27856 NASH
NATHANS CREEK 28617 ASHE
NATIONAL INFO SYST SUPT CNTR 27668 WAKE
NATIONAL WHOLESALE CO INC 27294 DAVIDSON
NATIONWIDE INS CO 27656 WAKE
NAVAL HOS 28542 ONSLOW
NAVAL HOSPITAL 28542 ONSLOW
NAVASSA 28404 BRUNSWICK
NC BAPTIST HOSPITAL 27157 FORSYTH
NC STATE UNIV 27695 WAKE
NC STATE UNIVERSITY 27607 WAKE
NCSU STUDENT HOUSING 27607 WAKE
NEBO 28761 MCDOWELL
NEEDMORE 28713 SWAIN
NEUSE 27661 WAKE
NEUSE FOREST 28560 CRAVEN
NEW BERN 2856X CRAVEN
NEW HANOVER COUNTY AIRPORT 28405 NEW HANOVER
NEW HILL 27562 WAKE
NEW HOPE ACADEMY 27239 DAVIDSON
NEW HOUSE 28150 CLEVELAND
NEW LEAKSVILLE 27288 ROCKINGHAM
NEW LONDON 28127 STANLY
NEW RIVER MARINE CORPS AIR S 28540 ONSLOW
NEW SALEM 27317 RANDOLPH
NEWELL 28126 MECKLENBURG
NEWLAND 28657 AVERY
NEWLIFE 28635 WILKES
NEWPORT 28570 CARTERET
NEWSOM 27239 DAVIDSON
NEWTON 28658 CATAWBA
NEWTON GROVE 28366 SAMPSON
NORLINA 27563 WARREN
NORMAN 28367 RICHMOND
NORTH 27105 FORSYTH
NORTH ALBEMARLE 28001 STANLY
NORTH CONCORD 28025 CABARRUS
NORTH DURHAM 27712 DURHAM
NORTH ELKIN 28621 SURRY
NORTH HILLS 276XX WAKE
NORTH WILKESBORO 286XX WILKES
NORTHSIDE 27522 GRANVILLE
NORTHSIDE 27564 GRANVILLE
NORTHWESTERN BANK 28674 WILKES
NORTON 28723 JACKSON
NORWOOD 28128 STANLY
NORWOOD HOLLOW 28604 AVERY
OAK CITY 27857 MARTIN
OAK GROVE 28086 CLEVELAND
OAK HILL 28655 BURKE
OAK ISLAND 28461 BRUNSWICK
OAK ISLAND 28465 BRUNSWICK
OAK PARK 28704 BUNCOMBE
OAK RIDGE 27310 GUILFORD
OAKBORO 28129 STANLY
OCEAN ISL BCH 28469 BRUNSWICK
OCEAN ISLE BEACH 28469 BRUNSWICK
OCONO LUFTY 28719 SWAIN
OCRACOKE 27960 HYDE
OGDEN 28405 NEW HANOVER
OKEEWEMEE 27371 MONTGOMERY
OLD FORT 28762 MCDOWELL
OLD SPARTA 27852 EDGECOMBE
OLDE FARM 28390 CUMBERLAND
OLDTOWN 27106 FORSYTH
OLIN 28660 IREDELL
OLIVE BRANCH 28103 UNION
OLIVERS CROSSROADS 28658 CATAWBA
OLIVETTE 28645 CALDWELL
OLIVIA 28368 HARNETT
OPHIR 27371 MONTGOMERY
OREGON HILL 27326 ROCKINGHAM
ORIENTAL 28571 PAMLICO
ORION 28640 ASHE
ORRUM 28369 ROBESON
OSBORNVILLE 28689 IREDELL
OSCEOLA 27214 GUILFORD
OSGOOD 27330 LEE
OSMOND 27291 CASWELL
OSSIPEE 27244 ALAMANCE
OTEEN 28815 BUNCOMBE
OTTO 28763 MACON
OVERHILLS 28326 MOORE
OXFORD 27565 GRANVILLE
PACTOLUS 27834 PITT
PAINT ROCK 28743 MADISON
PALESTINE 28001 STANLY
PALMYRA 27859 HALIFAX
PANTEGO 27860 BEAUFORT
PARKER 28615 ASHE
PARKS CROSSROADS 27316 RANDOLPH
PARKTON 28371 ROBESON
PARKVIEW 28503 LENOIR
PARMELE 27861 MARTIN
PARSONVILLE 28665 WILKES
PATETOWN 27530 WAYNE
PATTERSON 28661 CALDWELL
PATTERSON SPRINGS 28150 CLEVELAND
PAW CREEK 28130 MECKLENBURG
PAYNES STORE 28681 ALEXANDER
PEACE HAVEN ESTATES 27104 FORSYTH
PEACHLAND 28133 ANSON
PEDEN 28672 ASHE
PELHAM 27311 CASWELL
PEMBROKE 28372 ROBESON
PENDLETON 27862 NORTHAMPTON
PENLAND 28765 MITCHELL
PENROSE 28766 TRANSYLVANIA
PEORIA 28679 WATAUGA
PERCH 27043 STOKES
PERKINSVILLE 28607 WATAUGA
PETERSBURG 28655 BURKE
PETERSVILLE 27292 DAVIDSON
PFAFFTOWN 27040 FORSYTH
PIC N PAY SHOES 28261 MECKLENBURG
PIEDMONT AVIATION 27156 FORSYTH
PIKEVILLE 27863 WAYNE
PILOT MNT 27041 SURRY
PILOT MOUNTAIN 27041 SURRY
PILOT MT 27041 SURRY
PILOT MTN 27041 SURRY
PILOT MTS 27041 SURRY
PINE HALL 27042 STOKES
PINE KNOLL SHORES 28512 CARTERET
PINE LEVEL 27568 JOHNSTON
PINE VIEW 27330 LEE
PINEBLUFF 28373 MOORE
PINEHURST 28374 MOORE
PINEOLA 28662 AVERY
PINETOPS 27864 EDGECOMBE
PINETOWN 27865 BEAUFORT
PINEVILLE 28134 MECKLENBURG
PINEY CREEK 28663 ALLEGHANY
PINK HILL 28572 LENOIR
PINKNEY 28052 GASTON
PINNACLE 27043 STOKES
PISGAH FOREST 28768 TRANSYLVANIA
PITTSBORO 27228 CHATHAM
PITTSBORO 27312 CHATHAM
PKS 28512 CARTERET
PLAZA 27408 GUILFORD
PLEASANT GAP 28740 YANCEY
PLEASANT GARDEN 27313 GUILFORD
PLEASANT GDN 27313 GUILFORD
PLEASANT GDNS 27313 GUILFORD
PLEASANT GROVE 28655 BURKE
PLEASANT HILL 27866 NORTHAMPTON
PLUMTREE 28664 AVERY
PLYLER 28001 STANLY
PLYMOUTH 27962 WASHINGTON
POINT HARBOR 27964 CURRITUCK
POLKTON 28135 ANSON
POLKVILLE 28136 CLEVELAND
POLLOCKSVILLE 28573 JONES
PONDEROSA 28303 CUMBERLAND
POOLETOWN 28137 STANLY
POPE A F B 28308 CUMBERLAND
POPE AFB 28308 CUMBERLAND
POPE AIR FORCE BASE 28308 CUMBERLAND
POPLAR BRANCH 27965 CURRITUCK
PORTER 28128 STANLY
PORTSMOUTH 27960 HYDE
POTECASI 27867 NORTHAMPTON
POWELLS POINT 27966 CURRITUCK
POWELLS STORE 27326 ROCKINGHAM
POWELLSVILLE 27967 BERTIE
PRENTISS 28734 MACON
PRICE 27048 ROCKINGHAM
PRINCESS HOUSE 27094 FORSYTH
PRINCETON 27569 JOHNSTON
PRINCEVILLE 27886 EDGECOMBE
PROCTORVILLE 28375 ROBESON
PROPST CROSSROADS 28658 CATAWBA
PROSPECT HILL 27314 CASWELL
PROVIDENCE 27315 CASWELL
PUMPKIN CENTER 28092 LINCOLN
PURLEAR 28665 WILKES
PYATTE 28657 AVERY
QUARRY 28659 WILKES
QUEEN 27371 MONTGOMERY
QUEENS COLLEGE 28274 MECKLENBURG
QUICK 27326 ROCKINGHAM
RADICAL 28649 WILKES
RAEFORD 28361 HOKE
RAEFORD 28376 HOKE
RAGAN VILLAGE 28054 GASTON
RALEIGH 276XX WAKE
RALEIGH BUSINESS REPLY 27690 WAKE
RAMSEUR 27316 RANDOLPH
RANDLEMAN 27317 RANDOLPH
RANKIN 27405 GUILFORD
RANLO 28054 GASTON
RDU INTERNATIONAL AIRPORT 27623 WAKE
RED OAK 27868 NASH
RED SPRINGS 28377 ROBESON
REDDIES RIVER 28696 WILKES
REDLAND 27006 DAVIE
REEDS CROSS ROADS 27292 DAVIDSON
REEDY CREEK 27292 DAVIDSON
REESE 28692 WATAUGA
REIDSVILLE 2732X ROCKINGHAM
RELIEF 28740 YANCEY
RESEARCH TRIANGLE PARK 27709 DURHAM
REX 28378 ROBESON
RHINE 28640 ASHE
RHODHISS 28667 CALDWELL
RHODHIZZ 28667 CALDWELL
RICH SQUARE 27869 NORTHAMPTON
RICHFIELD 28137 STANLY
RICHLANDS 28574 ONSLOW
RICHMOND HILL 27011 YADKIN
RIDGE 28052 GASTON
RIDGECREST 28770 BUNCOMBE
RIDGEFIELD 27410 GUILFORD
RIDGEWAY 27570 WARREN
RIEGELWOOD 28456 COLUMBUS
RIVER HAVEN 28001 STANLY
RIVERSIDE 28734 MACON
ROANOKE RAPID 27870 HALIFAX
ROANOKE RAPIDS 27870 HALIFAX
ROANOKE RAPIDS AIR FORCE STA 27870 HALIFAX
ROARING CREEK 28657 AVERY
ROARING GAP 28668 ALLEGHANY
ROARING RIVER 28669 WILKES
ROBBINS 27325 MOORE
ROBBINSVILLE 28771 GRAHAM
ROBERSONVILLE 27871 MARTIN
ROCK CREEK 27349 ALAMANCE
ROCKFORD 27017 SURRY
ROCKINGHAM 28379 RICHMOND
ROCKWELL 28138 ROWAN
ROCKY MOUNT 2780X NASH
ROCKY MOUNT 2780X EDGECOMBE
ROCKY MT 27801 EDGECOMBE
ROCKY POINT 28457 PENDER
RODANTHE 27968 DARE
RODUCO 27969 GATES
ROLESVILLE 27571 WAKE
ROMINGER 28604 AVERY
RONDA 28670 WILKES
ROPER 27970 WASHINGTON
ROSE HILL 28458 DUPLIN
ROSEBORO 28382 SAMPSON
ROSMAN 28772 TRANSYLVANIA
ROUGEMONT 27572 DURHAM
ROUND PEAK 27030 SURRY
ROWLAND 28383 ROBESON
ROXBORO 27573 PERSON
ROXOBEL 27872 BERTIE
ROYAL OAKS 28081 CABARRUS
ROYAL PINES 28704 BUNCOMBE
RTP 27709 DURHAM
RUDD 27214 GUILFORD
RUFFIN 27326 ROCKINGHAM
RURAL HALL 270XX FORSYTH
RUSK 28621 SURRY
RUTH 28139 RUTHERFORD
RUTHERFORD COLLEGE 28671 BURKE
RUTHERFORDTON 28139 RUTHERFORD
RUTHERFRD COL 28671 BURKE
RUTHERWOOD 28607 WATAUGA
S BRUNSWICK 28470 BRUNSWICK
SADDLE 28623 ALLEGHANY
SAINT PAULS 28384 ROBESON
SALEM 28655 BURKE
SALEMBURG 28385 SAMPSON
SALISBURY 2814X ROWAN
SALTER PATH 28575 CARTERET
SALUDA 28773 POLK
SALVO 27972 DARE
SANDS 28607 WATAUGA
SANDY MUSH 28043 RUTHERFORD
SANDY RIDGE 27046 STOKES
SANFORD 27237 LEE
SANFORD 2733X LEE
SAPPHIRE 28774 TRANSYLVANIA
SARATOGA 27873 WILSON
SAW MILLS 28630 CALDWELL
SAXAPAHAW 27340 ALAMANCE
SCALY MOUNTAIN 28775 MACON
SCALY MTN 28775 MACON
SCOTLAND NECK 27874 HALIFAX
SCOTTS 28699 IREDELL
SCOTTVILLE 28672 ASHE
SCRANTON 27875 HYDE
SEABOARD 27876 NORTHAMPTON
SEAGROVE 27341 RANDOLPH
SEALEVEL 28577 CARTERET
SEALEVEL 28581 CARTERET
SEARS ROEBUCK 27480 GUILFORD
SEDALIA 27342 GUILFORD
SEDGEFIELD 27407 GUILFORD
SEDGES GARDEN 27105 FORSYTH
SELMA 27576 JOHNSTON
SEMORA 27343 CASWELL
SENIA 28657 AVERY
SETZER GAP 28645 CALDWELL
SEVEN DEVILS 28604 AVERY
SEVEN LAKES 27376 MOORE
SEVEN SPRINGS 28578 WAYNE
SEVERN 27877 NORTHAMPTON
SEWARD 27040 FORSYTH
SEYMOUR JOHNSON A F B 27531 WAYNE
SHACKTOWN 27055 YADKIN
SHADY BROOK 28081 CABARRUS
SHALLOTTE 28459 BRUNSWICK
SHALLOTTE 28467 BRUNSWICK
SHALLOTTE 28468 BRUNSWICK
SHALLOTTE 28469 BRUNSWICK
SHALLOTTE 28470 BRUNSWICK
SHALLOWELL 27330 LEE
SHANNON 28386 ROBESON
SHANNON PLAZA 277XX DURHAM
SHARON 28677 IREDELL
SHARPSBURG 27878 NASH
SHATLEY SPRINGS 28617 ASHE
SHAWBORO 27973 CURRITUCK
SHELBY 2815X CLEVELAND
SHERRILLS FORD 28673 CATAWBA
SHERRILLS FRD 28673 CATAWBA
SHERWOOD 28692 WATAUGA
SHILOH 27974 CAMDEN
SHINGLE HOLLOW 28139 RUTHERFORD
SHOAL 27043 STOKES
SHOE 28696 WILKES
SHULLS MILLS 28607 WATAUGA
SIDESTOWN 28025 CABARRUS
SILER CITY 27344 CHATHAM
SILK HOPE 27344 CHATHAM
SILOAM 27047 SURRY
SILVER VALLEY 27292 DAVIDSON
SILVERSTONE 28698 WATAUGA
SIMPSON 27879 PITT
SIMS 27880 WILSON
SJAFB 27531 WAYNE
SKYLAND 28776 BUNCOMBE
SMETHPORT 28694 ASHE
SMITHFIELD 27577 JOHNSTON
SMITHVILLE 28031 MECKLENBURG
SMYRE 28052 GASTON
SMYRNA 28579 CARTERET
SNEADS FERRY 28460 ONSLOW
SNOW CAMP 27349 ALAMANCE
SNOW HILL 28580 GREENE
SOAPSTONE MOUNTAIN 27355 RANDOLPH
SOPHIA 27350 RANDOLPH
SOUL CITY 27553 WARREN
SOUTH ALBEMARLE 28001 STANLY
SOUTH BRUNSWICK 28470 BRUNSWICK
SOUTH GASTONIA 28052 GASTON
SOUTH GREENSBORO 27406 GUILFORD
SOUTH HILLS 27606 WAKE
SOUTH LEXINGTON 27292 DAVIDSON
SOUTH MILLS 27976 CAMDEN
SOUTH NEWTON 28658 CATAWBA
SOUTHERN BELL 28243 MECKLENBURG
SOUTHERN NATIONAL BANK 28289 MECKLENBURG
SOUTHERN PINES 2838X MOORE
SOUTHERN PNES 2838X MOORE
SOUTHERN SHORES 27949 DARE
SOUTHMONT 27351 DAVIDSON
SOUTHPORT 28461 BRUNSWICK
SOUTHPORT 28465 BRUNSWICK
SOUTHRN SHORE 27949 DARE
SPARTA 28675 ALLEGHANY
SPEAR 28657 AVERY
SPEED 27881 EDGECOMBE
SPEEDWELL 28723 JACKSON
SPENCER 28159 ROWAN
SPENCER MOUNTAIN 28054 GASTON
SPINDALE 28160 RUTHERFORD
SPRAY 27288 ROCKINGHAM
SPRING CREEK 28743 MADISON
SPRING HOPE 27882 NASH
SPRING LAKE 28390 CUMBERLAND
SPRING VALLEY 27406 GUILFORD
SPRINGFIELD 28635 WILKES
SPRUCE PINE 28777 MITCHELL
SPURGEON 28659 WILKES
STACY 28581 CARTERET
STALEY 27355 RANDOLPH
STALLINGS 28105 MECKLENBURG
STAMEY BRANCH 28657 AVERY
STANFIELD 28163 STANLY
STANLEY 28164 GASTON
STANLEYVILLE 27045 FORSYTH
STANTONSBURG 27883 WILSON
STAR 27356 MONTGOMERY
STARTOWN 28658 CATAWBA
STATE RD 28676 SURRY
STATE ROAD 28676 SURRY
STATE UNIVERSITY 27607 WAKE
STATESVILLE 286XX IREDELL
STATESVILLE WEST 28677 IREDELL
STEDMAN 28391 CUMBERLAND
STELLA 28582 CARTERET
STEM 27581 GRANVILLE
STOKES 27884 PITT
STOKESDALE 27357 GUILFORD
STONEVILLE 27048 ROCKINGHAM
STONEWALL 28583 PAMLICO
STONEWALL JACKSON TRAINING S 28025 CABARRUS
STONEY CREEK 27377 GUILFORD
STONY FORK 28618 WATAUGA
STONY KNOLL 27017 SURRY
STONY POINT 28678 ALEXANDER
STONYCREEK 27244 ALAMANCE
STOVALL 27582 GRANVILLE
STRATFORD 28675 ALLEGHANY
STUMPY POINT 27978 DARE
STURGILLS 28643 ASHE
SUGAR GROVE 28679 WATAUGA
SUMMERFIELD 27358 GUILFORD
SUMMIT 27405 GUILFORD
SUNBURY 27979 GATES
SUNNY POINT MILITARY OCEAN T 28465 BRUNSWICK
SUNNYSIDE 28655 BURKE
SUNSET BEACH 28468 BRUNSWICK
SUNSET HARBOR 28422 BRUNSWICK
SUNSHINE 28018 RUTHERFORD
SUPPLY 28462 BRUNSWICK
SURF CITY 28445 ONSLOW
SUSSEX 28631 ASHE
SWAINSVILLE 28150 CLEVELAND
SWAN STATION 27330 LEE
SWANCREEK 28642 YADKIN
SWANNANOA 28778 BUNCOMBE
SWANQUARTER 27885 HYDE
SWANSBORO 28584 ONSLOW
SWANSBORO 28594 CARTERET
SWEETWATER 28679 WATAUGA
SWEPSONVILLE 27359 ALAMANCE
SYLVA 28779 JACKSON
TABOR CITY 28463 COLUMBUS
TALLEYS CROSSING 27284 FORSYTH
TAMARACK 28684 ASHE
TAPOCO 28780 GRAHAM
TAR HEEL 28392 BLADEN
TARAWA 28543 ONSLOW
TARAWA TER 28543 ONSLOW
TARAWA TERRACE 28543 ONSLOW
TARAWA TR 28543 ONSLOW
TARBORO 27886 EDGECOMBE
TATE STREET 27403 GUILFORD
TAYLORSVILLE 28681 ALEXANDER
TEACHEY 28464 DUPLIN
TENNESSEE ACRES 27405 GUILFORD
TERRELL 28682 CATAWBA
THETA 28640 ASHE
THOMASVILLE 2736X DAVIDSON
THREE MILE 28657 AVERY
THURMOND 28683 WILKES
TILLERY 27887 HALIFAX
TIMBERLAKE 27583 PERSON
TOAST 27049 SURRY
TOBACCOVILLE 27050 FORSYTH
TODD 28684 ASHE
TOLIVER 28684 ASHE
TOLUCA 28090 CLEVELAND
TOPIA 28672 ASHE
TOPSAIL BEACH 28445 ONSLOW
TOPTON 28781 CHEROKEE
TOWER 27610 WAKE
TOWNSVILLE 27584 VANCE
TRAMWAY 27330 LEE
TRAPHILL 28685 WILKES
TREETOP 28694 ASHE
TRENT WOODS 28562 CRAVEN
TRENTON 28585 JONES
TRINITY 27370 RANDOLPH
TRIPLETT 28686 WATAUGA
TROUTMAN 28166 IREDELL
TROY 27371 MONTGOMERY
TRUST 28743 MADISON
TRYON 28782 POLK
TUCKASEGEE 28783 JACKSON
TUCKERDALE 28643 ASHE
TURKEY 28393 SAMPSON
TURNERSBURG 28688 IREDELL
TUXEDO 28784 HENDERSON
TWIN OAKS 28675 ALLEGHANY
TYNER 27980 CHOWAN
TYRO 27292 DAVIDSON
UNAKA 28906 CHEROKEE
UNC A CHAPEL HILL SCHLS ADM 27599 ORANGE
UNC-G 27412 GUILFORD
UNC-GREENSBORO 27413 GUILFORD
UNION 28734 MACON
UNION CROSS 27284 FORSYTH
UNION GROVE 28689 IREDELL
UNION MILLS 28167 RUTHERFORD
UNIV OF NC 27599 ORANGE
UNIVERSITY OF NC 28403 NEW HANOVER
UPPER PIG PEN 28740 YANCEY
UPTON 28645 CALDWELL
UWHARIE 27371 MONTGOMERY
V A 27155 FORSYTH
VALDESE 28690 BURKE
VALE 28168 LINCOLN
VALLE CRUCIS 28691 WATAUGA
VALLEY 28657 AVERY
VALMEAD 28645 CALDWELL
VANCEBORO 28586 CRAVEN
VANDALIA 27406 GUILFORD
VANDEMERE 28587 PAMLICO
VANDER 28301 CUMBERLAND
VANNOY 28696 WILKES
VASHTI 28636 ALEXANDER
VASS 28394 MOORE
VAUGHAN 27586 WARREN
VICTORY 28052 GASTON
VIENNA 27040 FORSYTH
VIEW MONT 28601 CATAWBA
VIEWMONT 28601 CATAWBA
VILAS 28692 WATAUGA
W ASHEVILLE 28816 BUNCOMBE
W FIELD 27053 SURRY
W JEFFERSON 28694 ASHE
W SALEM 27100 FORSYTH
W WILSON COL 28778 BUNCOMBE
WACHOVIA BANK 27150 FORSYTH
WACHOVIA BLDG VIM 27111 FORSYTH
WACHOVIA MASTER CHRG 27151 FORSYTH
WACO 28169 CLEVELAND
WADE 28395 CUMBERLAND
WADESBORO 28170 ANSON
WADEVILLE 27306 MONTGOMERY
WAGONER 28640 ASHE
WAGRAM 28396 SCOTLAND
WAKE CROSSROADS 27604 WAKE
WAKE FOREST 2758X WAKE
WAKULLA 28397 ROBESON
WALKERTOWN 27051 FORSYTH
WALLACE 28466 DUPLIN
WALLBURG 27373 DAVIDSON
WALNUT 28753 MADISON
WALNUT COVE 27052 STOKES
WALNUT CREEK 27530 WAYNE
WALSH 28665 WILKES
WALSTONBURG 27888 GREENE
WANCHESE 27981 DARE
WARNE 28909 CLAY
WARREN WILSON COL 28778 BUNCOMBE
WARRENSVILLE 28693 ASHE
WARRENTON 27589 WARREN
WARRIOR 28645 CALDWELL
WARSAW 28398 DUPLIN
WASH 27889 BEAUFORT
WASHBURN STORE 28018 RUTHERFORD
WASHINGTON 27889 BEAUFORT
WATAUGA 28734 MACON
WATHA 28471 PENDER
WAUGHTOWN 271XX FORSYTH
WAVES 27982 DARE
WAXHAW 28173 UNION
WAYNESVILLE 28786 HAYWOOD
WEAVERSFORD 28617 ASHE
WEAVERVILLE 28787 BUNCOMBE
WEBSTER 28788 JACKSON
WEBTOWN 27530 WAYNE
WEDDINGTON 28105 MECKLENBURG
WEDDINGTON 28173 UNION
WELCOME 27374 DAVIDSON
WELDON 27890 HALIFAX
WENDELL 27591 WAKE
WENTWORTH 27375 ROCKINGHAM
WESLEYAN COL 27804 NASH
WESLEYAN COLLEGE 27804 NASH
WEST ASHEVILLE 28806 BUNCOMBE
WEST BEND 27023 FORSYTH
WEST END 27376 MOORE
WEST GASTONIA 28052 GASTON
WEST HAVEN 28704 BUNCOMBE
WEST HILLSBOROUGH 27278 ORANGE
WEST JEFFERSON 28694 ASHE
WEST STATESVILLE 28677 IREDELL
WESTERN HILLS 28097 STANLY
WESTFIELD 27053 SURRY
WESTGATE 27676 WAKE
WESTMINSTER 28139 RUTHERFORD
WHALEY 28622 AVERY
WHISPER PNES 28327 MOORE
WHISPERING PINES 28327 MOORE
WHITAKERS 27891 NASH
WHITE HILL 27330 LEE
WHITE LAKE 28337 BLADEN
WHITE OAK 28399 BLADEN
WHITE PLAINS 27031 SURRY
WHITE ROCK 28604 AVERY
WHITE STORE 28133 ANSON
WHITE SULPHUR SPRINGS 27030 SURRY
WHITEHEAD 28695 ALLEGHANY
WHITEVILLE 28472 COLUMBUS
WHITLEY HEIGHTS 27520 JOHNSTON
WHITNEL 28645 CALDWELL
WHITSETT 27377 GUILFORD
WHITTIER 28789 JACKSON
WILBAR 28696 WILKES
WILDERS GROVE 27604 WAKE
WILKESBORO 28697 WILKES
WILLARD 28478 PENDER
WILLIAMSTON 27892 MARTIN
WILLISTON 28589 CARTERET
WILLOW RIDGE 28410 NEW HANOVER
WILLOW SPRING 27592 WAKE
WILLOW SPRINGS 27592 WAKE
WILM 284XX NEW HANOVER
WILMINGTON 28404 BRUNSWICK
WILMINGTON 284XX NEW HANOVER
WILSON 2789X WILSON
WILSONS MILL 27593 JOHNSTON
WILSONS MILLS 27593 JOHNSTON
WIND BLOW 27281 MOORE
WINDERS CROSS ROADS 27020 YADKIN
WINDSOR 27983 BERTIE
WINDY GAP 28659 WILKES
WINFALL 27985 PERQUIMANS
WINGATE 28174 UNION
WINNABOW 28479 BRUNSWICK
WINSTON SALEM 271XX FORSYTH
WINSTON SALEM BUSINESS REPLY 27199 FORSYTH
WINSTON SALEM COURTESY REPLY 27198 FORSYTH
WINSTON-SALEM 271XX FORSYTH
WINTERVILLE 28590 PITT
WINTON 27986 HERTFORD
WISE 27594 WARREN
WOODFORD 28684 ASHE
WOODLAND 27897 NORTHAMPTON
WOODLEAF 27054 ROWAN
WOODLEIGH 27950 CURRITUCK
WOODVILLE 27849 BERTIE
WRIGHT BROTHERS NATIONAL MEM 27954 DARE
WRIGHTSVILLE 28480 NEW HANOVER
WRIGHTSVILLE BEACH 28480 NEW HANOVER
WRITSVLLE BCH 28480 NEW HANOVER
WS 27100 FORSYTH
WS STATE UNIV 27110 FORSYTH
YADKIN 27292 DAVIDSON
YADKIN COLLEGE 27292 DAVIDSON
YADKIN VALLEY 28645 CALDWELL
YADKINVILLE 27055 YADKIN
YANCEYVILLE 27379 CASWELL
YAUPON BEACH 28465 BRUNSWICK
YOUNGSVILLE 27596 FRANKLIN
ZEBULON 27597 WAKE
ZEPHYR 28621 SURRY
ZIONVILLE 28698 WATAUGA
ZIRCONIA 28790 HENDERSON

Category: FHA Mortgage Guidelines

Alabama FHA Mortgage Lenders-FHA Home Loan Alabama

Alabama FHA Mortgage Lenders – FHA Home Loan Alabama The FHA mortgage program was created by the Federal Housing Administration with the intention of making homeownership a possibility for more Americans. FHA mortgage lenders give Alabama home buyers the opportunity to qualify for a mortgage with a 3.5% down payment and without perfect credit. FHA…

Read More

FHA Mortgage Lenders Qualifications

FHA MORTGAGE LENDERS QUALIFICATIONS Why Are FHA Mortgage Lenders So Popular With For Homebuyers? Lower Down Payment: FHA loans have a low 3.5%. Easier to Qualify: FHA mortgage insurance FHA mortgage lenders may be more willing to give you better loan terms and easier credit qualifying requirements. Bad Credit Options: You don’t have to have…

Read More

Will FHA Mortgage Lenders allow rental Income?

The FHA mortgage lender may consider Rental Income from existing and prospective tenants if documented in accordance with the following requirements. Rental Income from the subject Property may be considered Effective Income when the Property is a two- to four-unit dwelling or an acceptable one- to four-unit Investment Property. Rent received for properties owned by…

Read More

How Do FHA Mortgage Lenders Consider Debts Paid By Another Person?

A liability that may result in the obligation to repay only when a specific event occurs. For example, a  liability exists when an FHA mortgage applicant can be held responsible for the repayment of a debt if another legally obligated party defaults on the payment. Contingent liabilities may include cosigner liabilities and liabilities resulting from…

Read More

Do FHA Mortgage Lenders Approve Borrowers With Bad Credit?

The main advantage with FHA mortgage lenders  is that the credit qualifying criteria for a borrower are not as strict as conventional financing.  FHA mortgage lenders may consider a bad credit mortgage applicant to have an acceptable payment history if the bad credit mortgage applicant has made all housing and installment debt payments on time…

Read More

Do FHA Mortgage Lenders allow gifts of equity?

Do FHA Mortgage Lenders allow gifts of equity? Only Family Members may provide equity credit as a gift on property being sold to other Family Members.  FHA mortgage  must obtain a gift letter signed and dated by the donor and FHA mortgage applicant that includes the following:   • the donor’s name, address, telephone number;  •…

Read More

How to Get An FHA Mortgage Lenders Approval With Bad Credit?

The bad credit FHA mortgage lenders must use a traditional credit report, if available. A Residential Mortgage Credit report (RMCR) must be obtained from an independent credit reporting agency.  The Bad credit FHA mortgage lenders must use the same credit report and credit scores sent to TOTAL Mortgage Scorecard.  If a traditional credit report is not…

Read More

Why Are FHA Mortgage Lenders So Popular With For Homebuyers?

FHA mortgages lenders offer many advantages and protections that only come with an FHA mortgage:  Lower Down Payment: FHA loans have a low 3.5% down payment and that money can come from a family member, employer or charitable organization as a gift. Conventional mortgage lenders do not allow this. Easier to Qualify: Due to the…

Read More

Do FHA Mortgage Lenders allow Flipping?

Property Flipping is indicative of a practice whereby recently acquired property is resold for a considerable profit with an artificially inflated value.   The term Property Flipping refers to the purchase and subsequent resale of a property in a short period of time.  The eligibility of a property for an FHA mortgage lender is determined by…

Read More

Do FHA Mortgage Lenders Allow Collections or Judgements?

COLLECTIONS-JUDGEMENTS COLLECTIONS- FHA Mortgage applicants are not required to pay off all collection accounts. However, outstanding collections will reflect on your creditworthiness overall and may be held against you. In this case, one or more of the collections may need to be paid off in order to improve your credit score and show your willingness to pay debts….

Read More

Do FHA Mortgage Lenders Lend on Condos?

Yes, FHA mortgage lenders will finance FHA Approved Condominium under the 203b program, FHA mortgage lenders provide insurance on FHA mortgage loans secured by one-family condominium Units located in FHA-Approved Condominium Projects and in Units located in Condominium Projects not approved by FHA.    FHA Mortgage loans are made by FHA-approved mortgage lenders, such as…

Read More

Will FHA Mortgage Lenders Accept bad credit? What are the requirements for a manually underwritten mortgage?

Will FHA Mortgage Lenders Accept bad credit? What are the requirements for a manually underwritten mortgage? The bad credit FHA mortgage lenders must use a traditional credit report, if available. A Residential Mortgage Credit report (RMCR) must be obtained from an independent credit reporting agency.  The Bad credit FHA mortgage lenders must use the same…

Read More

Can I use FHA Mortgage Lenders to buy a Second Home?

Secondary home  refers to a dwelling that an FHA mortgage applicant occupies, in addition to their principal home, but less than a majority of the calendar year. A Secondary home does not include a vacation home.  Secondary homes are only permitted with written approval from the FHA mortgage lenders approved  jurisdictional Homeownership Center provided that: …

Read More

Do FHA Mortgage Lenders Require Collections To Be Paid Off To Qualify For An FHA Mortgage?

A Collection Account refers to a FHA mortgage applicants loan or debt that has been submitted to a collection agency by a creditor.   If the credit reports used in the analysis show cumulative outstanding collection account balances of $2,000 or greater, the FHA mortgage lender must:  •     verify that the debt is paid in full…

Read More

Do FHA Mortgage Lenders require reserves for manually underwritten loans?

Yes, the Mortgagee must verify and document Reserves equivalent to (1) one month’s Principal, Interest, Taxes, and Insurance (PITI) after closing for one- to two-unit Properties.  The Mortgagee must verify and document Reserves equivalent to (3) three months’ PITI after closing for three- to four-unit properties. What are FHA mortgage reserves? FHA Mortgage reserves are…

Read More

Do FHA Mortgage Lenders Allow Gift of Down payment To come from Friends or Employer?

Do FHA Mortgage Lenders Allow Gift of Down payment To come from Friends? FHA mortgage lenders refer to gifts or contributions of cash or equity with no expectation of repayment.  Gifts may be provided by:   • a close friend with a clearly defined and documented interest in the Borrower;  • the Borrower’s Family Member;  •…

Read More

Do FHA Mortgage Lenders allow employers gift the borrower’s down payment?

Do FHA Mortgage Lenders allow employers gift the FHA mortgage applicants down payment?   Employer Assistance refers to benefits provided by an employer to relocate the FHA mortgage applicants or assist in the FHA mortgage applicants housing purchase, including closing costs, Mortgage Insurance Premiums (MIP), or any portion of the FHA mortgage applicants Minimum Required…

Read More

Do FHA mortgage Lenders allow realtors to  give a gift of their commission for the down payment?

Do FHA mortgage Lenders allow realtors to  give a gift of their commission for the down payment? Can A Realtors real estate Commission from Sale of Subject Property refers to the Borrower’s down payment  portion of a real estate commission earned from the sale of the property being purchased.  FHA mortgage lenders may consider Real…

Read More

Do FHA Mortgage Lenders Allow Gifts for Down Payment And Closing Cost?

Do FHA Mortgage Lenders Allow Gifts for Down Payment And Closing Cost? FHA Mortgage Lenders refer to Gifts as contributions of cash or equity with no expectation of repayment.     FHA Mortgage Lenders Allow Gift Funds from the following approved sources • The  FHA mortgage applicants Family Member;  • The  FHA mortgage applicants employer or labor…

Read More

Will FHA Mortgage Lenders Allow More Than 1 FHA Mortgage?

FHA mortgage lenders will not insure more than one Property as a Principal Residence for any FHA mortgage applicants, except as noted below. FHA mortgage lenders will not insure a Mortgage if it is determined that the transaction was designed to use FHA mortgage insurance as a vehicle for obtaining Investment Properties, even if the…

Read More

FHA Mortgage Lenders Cash Out and Rate Term Refinance

FHA Mortgage Lenders Rate Term Refinance Properties owned > 12 months: The subject property must be owner occupied for at least 12 months at the time of case number  assignment.  Properties owned < 12 months: The subject property must be owner occupied for the entire period of ownership at the time of case number assignment. …

Read More

FHA Mortgage Lenders Compensating Factors

FHA COMPENSATING FACTORS What are FHA compensating factors? (FHA compensating factors are the stronger elements of a credit application that it offsets something weaker in the application) but it’s more complicated than that. Different FHA Lenders manage the consideration of compensating factors in different ways. FHA’s written guidelines outline specific examples of what FHA compensating factors…

Read More

FHA Mortgage Lenders Manual Underwriting Approvals

 FHA Manual Underwrite Lenders Specifications  CREDIT SCORE RANGE MAXIMUM QUALIFYING RATIOS APPLICABLE GUIDELINE 500 – 579 ·31/43 ·Energy Efficient Homes may stretch ratios to 33/45 ·Max LTV 90% unless cash out (80%) ·No gifts ·No down payment assistance ·No streamlines ·One month in reserves for 1-2-unit Properties, three months in reserves for 3-4-unit properties (cannot be a…

Read More

FHA Mortgage Lenders Allow Non Occupant Co Borrowers

FHA Mortgage Lenders Non-Occupant co borrower 1-Unit properties only. Max mortgage is limited to 75% LTV unless non-occupying co- borrower’s meet FHA definition of ‘family member’. Seller cannot be non-occupant co-borrower. Non-occupant co-borrowers may be added to improve ratios. Non-occupant co-borrowers cannot be used to overcome or offset borrower’s derogatory credit. The non-occupying borrower arrangement…

Read More

FHA Mortgage Lenders Source Of Down Payment And Reserves

FHA Mortgage Lenders require a minimum cash investment from FHA mortgage applicants own funds and/or gift (no cash on hand allowed when FHA mortgage applicants uses traditional banking sources and has traditional credit history). Any deposit 1 % and greater of the sales price must be sourced and seasoned. An aggregate of deposits 1 °/o…

Read More

FHA Mortgage Lenders Can Use Non Taxable Income To Qualify

FHA Mortgage Lenders Allow Nontaxable income such as Social Security, Pension, Workers Comp and Disability Retirement income can be grossed up 115% of the income can be used to qualify for an FHA mortgage loan.  Unacceptable Sources of Income Include: The following income sources are not acceptable for purposes of qualifying the borrower: Any unverified…

Read More

What Are FHA Mortgage Lenders Debt To Income Ratio Requirements?

Debt Ratio – Loans with AUS Approve/Eligible – follow AUS decision. Credit scores of 640 and under and DTI greater than 43% regardless of AUS decision require explanation for derogatory credit and a VOR or rent free letter (if applicable). Manually underwritten loans with FICO score> 580 may exceed 31°/o/43°/o ratios with acceptable compensating factors…

Read More

FHA Mortgage Lenders Cash-Out Refinance Payment History

FHA Mortgage Lenders Mortgage/Rental History Payment History All Cash Out Refinance Transactions and Manually Underwritten Rate Term Refinance Transactions: No 30 Day late payments within the last 12 months of case number assignment. FHA Mortgage Lenders Rate and Term Refinance Transactions: AUS Accept – follow AUS. ALSO CHECK FHA Mortgage Lenders Compensating Factors FHA COMPENSATING…

Read More

FHA Mortgage Lenders Minimum Trade Line Requirement

FHA Minimum Tradelines or Minimum Credit Reporting History FHA mortgage applicants must have sufficient credit history to generate a valid FICO score, or FHA mortgage applicants must meet the non-traditional FHA mortgage lenders guidelines listed below. Generally, an acceptable credit history does not have late housing, installment debt or major derogatory revolving payments. Authorized tradelines…

Read More

How Do FHA Mortgage Lenders calculate student loan payments?

How Do FHA Mortgage Lenders treat Student Loans? Student Loan Payments – Student loan(s) would be calculated as follows, regardless of the payment status. FHA mortgage lenders must use either the greater of: 1% of the outstanding balance on the loan; or the monthly payment reported on the FHA mortgage applicants  credit report; or the…

Read More

FHA Mortgage Lenders Approval With Disputed Accounts

FHA Mortgage Lenders Approval With Disputed Accounts derogatory accounts >= $1,000 cumulative must be downgraded to “Refer” manual underwrite. Medical and accounts resulting from identity and credit card theft or unauthorized use are excluded. A letter from the creditor, police report, etc. is required. Disputed non-derogatory accounts are excluded from the $1000 cumulative total which…

Read More

FHA Mortgage Lenders Approval With Loan Modifications

FHA Mortgage Lenders Approval After A Loan Modifications FHA Mortgage Lenders Automated Underwriting System required to follow guidance for acceptable mortgage history. Manual Underwrite -follow manual mortgage requirements (Ox30 for most recent 12 months and 2×30 for the most recent 24 months on the modified mortgage.) Payment history is evaluated based upon the FHA mortgage…

Read More

FHA Mortgage Lenders Qualifying Requirements After A Short Sale

FHA Mortgage Qualifying After A Short Sale Any Short Sale within three (3) years of the case assignment requires a manual underwrite. An FHA mortgage applicant who is in default at the time of short sale/restructure or pre-foreclosure or late on any mortgage or installment obligations within 12 months of the short sale is not…

Read More

FHA Mortgage Lenders After Foreclosure or Deed In Lieu of Foreclosure

What are the guidelines for FHA mortgage applicants with a previous foreclosure or deed-in-lieu of foreclosure? A FHA mortgage applicants is generally NOT eligible for a new FHA-insured mortgage if the Borrower had a foreclosure or a deed-in-lieu of foreclosure in the last 3 three-year period prior to the date of case number assignment. This…

Read More

FHA Mortgage Lenders DoNot Consider Timeshares A Housing Obligation

Is a foreclosure on a timeshare considered a mortgage foreclosure or installment loan? A loan secured by an interest in a timeshare must be considered an Installment Loan and NOT a housing obligation and not considered a Foreclosure event! Also Check out! FHA Mortgage Lenders Credit Score For FHA Mortgage Qualifying FHA Mortgage Lenders After…

Read More

FHA Mortgage Lenders With Judgements And Liens

How Do FHA Mortgage Lenders treat judgements or liens? All outstanding judgments and liens must be paid prior to or at closing except when the FHA mortgage applicant has an agreement with the creditor to make regular and timely payments. Copy of the agreement and a minimum of three (3) monthly scheduled payments prior to…

Read More

FHA Mortgage Lenders Disputed Credit Accounts

How are disputed credit accounts considered with FHA mortgage lenders?   Disputed Derogatory Credit Account refers to disputed charge off accounts, disputed collection accounts, and disputed accounts with late payments in the last 24 months.   If the credit report indicates that the Borrower is disputing derogatory credit accounts, the Borrower must provide a letter of…

Read More

FHA Mortgage Lenders Approval With Collection Accounts

FHA Mortgage Lenders Approval W Collection Accounts • FHA mortgage lenders add 5% of the outstanding balance of each collection will be used as the monthly payment and will be included in the DTI . • FHA mortgage lenders treat Repossessions as charge offs unless specifically notated that the account was sent to collections. Balances…

Read More

What Are FHA Mortgage Lenders Minimum Credit Score?

The FHA mortgage applicant is not eligible for FHA-insured financing if the Minimum Credit Score  is less than 500. If the Minimum FHA Mortgage Credit Score is between 500 and 579, the FHA mortgage applicant is limited to a maximum loan-to-value (LTV) of 90 percent. If the Minimum FHA Mortgage Credit Score is at or…

Read More

FHA Mortgage Lenders For DACA Status Recipients

FHA to Permit DACA Status Recipients to Apply for FHA Insured Mortgages Effective January 19, 2021, the Federal Housing Administration (FHA) is permitting DACA FHA mortgage applicants classified under the “Deferred Action for Childhood Arrivals” program DACA FHA mortgage applicants with the U.S. Citizenship & Immigration Service (USCIS) and are legally permitted to work in…

Read More

FHA Mortgage Lenders While In Consumer Credit Counseling

How long do FHA mortgage require to qualify for an FHA mortgage after consumer Credit concealing?  Qualify for an FHA mortgage after consumer Credit counseling?  1 year of the pay-out has elapsed under the plan, borrower’s payment performance has been satisfactory with all required payments made timely and borrower has received written permission from the…

Read More

FHA Mortgage Lenders Approval After Bankruptcy

For FHA Mortgage Lenders Approval After Bankruptcy How does a bankruptcy affect a FHA mortgage applicants eligibility for an FHA mortgage? A Chapter 7 bankruptcy (liquidation) does not disqualify a FHA mortgage applicants  from obtaining an FHA-insured Mortgage if, at the time of case number assignment, at least 2 years have past since the date…

Read More

FHA Mortgage Lenders Lead Based Paint Disclosure

FHA Mortgage Lenders require Lead based Paid Disclosure Required for Defective Paint Surfaces -An automatic correction is required to all defective paint surfaces in or on structures and/or property improvements built before January 1, 1978. Contractors who perform the repair must be certified and must follow specific work practices to prevent lead contamination. A copy …

Read More

FHA Mortgage Lenders To Purchase Foreclosures

FHA mortgage lenders require  FHA appraisals to be performed only by FHA licensed appraiser listed on the FHA roster. Obtain an “as-is” appraisal and the appraisal must be  HUD REO Appraisal and Property Requirements marked as “Insurable”. HU D’s Foreclosure REO appraisal may be available at no charge.  If the original HUD REO appraisal is…

Read More

FHA Mortgage Lenders For Homes For Sale Within 90 Days

Does FHA have requirements for homes sold within 90 days? Property Flipping is a practice whereby recently acquired property is resold for a considerable profit with an artificially inflated value Property Flipping refers to the purchase and resale of a property in a short period of time.  The eligibility of a property for a Mortgage…

Read More

FHA Mortgage Lenders For Manufactured Homes

FHA Mortgage Lenders For Manufactured Homes FHA Mortgage Lenders accepts manufactured homes permanently affixed to the foundation, built on or after June 15, 1976, and meet all FHA Mortgage Lenders For Manufactured Homes requirements. Single-wide manufactured homes are not eligible. Manufactured homes with acceptable alterations or additions must have marketability, “like” comparable, gross living area…

Read More

FHA Mortgage Lenders For Condos

FHA Condo Mortgage Lenders – Condo FHA Mortgage Lenders FHA Mortgage Lenders approve condos on case by case bases. FHA condo mortgage lenders require the  condominium complex and meet all FHA mortgage lenders minimum requirements  including 51 occupancy, 15% delinquencies). All condos  and attached PUD’s require 100% ‘walls-in’ H06 coverage. Stick-built site condos do not…

Read More

FHA Mortgage Lenders Ineligible Property Types

Ineligible Collateral -FHA Mortgage Lenders Ineligible Property Types to include some built before June 15, 1976 single wide Mobile homes, co-ops, Single-wide manufactured homes, houseboats, commercial or industrial zoned properties, mixed-use with residential building use less than 51%, properties encumbered with Property Assessed Clean Energy (PACE) or Home Energy Renovation Opportunity (HERO) obligations, State-approved medical…

Read More

FHA Mortgage Lenders Eligible Property Types

FHA mortgage loans are only for Owner Occupied Only Home Only To Include. 1-4 Units. Villas including FHA approved PUD’s, Condos, FHA approved condominiums projects, land contracts, FHA approved manufactured , FHA approved modular homes (minimum double­wide manufactured homes are Eligible Collateral wide) that follow manufactured housing requirements below.

Read More

FHA Mortgage Lenders Maximum Loan Amounts

FHA Mortgage Lenders Maximum FHA mortgage amounts.  # of Units Lowest Maximum Floor for All FHA mortgage Amounts Highest Maximum Ceiling for All FHA mortgage Highest FHA Maximum Ceiling for all FHA.  1 Unit 356,362 548,250 822,375 2 Units 456,275 702,000 1,053,000 3 Units 551,500 848,500 1,272,750 4 Units 685,400 1,054,500 1,571,750 FHA Max Base…

Read More

FHA Mortgage Lenders Loan To Value Based On Credit Scores

FHA Mortgage Lenders to Purchase A home FHA MORTGAGE LENDERS PURCHASE MINIMUM FICO 500 =   90.00% 1-4 UNITS. PER FHA MAX COUNTY LIMITS FOR STANDARD PROGRAM. AUS Accept: Per AUS; Manual max Debt To Income Ratios:31%/43% Evaluated by **FHA Mortgage Lenders Automated Underwriting System** FHA MORTGAGE LENDERS MINIMUM FICO 580 =  96.50% 1-4 UNITS. PER…

Read More

ORLANDO FL FHA MORTGAGE LENDERS

Orlando FL FHA mortgage Lenders – Orlando Florida FHA Home Loans – FL FHA Home Loans – FHA Mortgage Lenders Orlando FL How do FHA Mortgage Lenders work? An FHA mortgage requires two types of FHA mortgage insurance, 1) Upfront Mortgage Insurance Premium (UFMIP) and 2) an Annual MIP added to your monthly payment. The Upfront MIP is equal to…

Read More

LARGO FL FHA MORTGAGE LENDERS

LargoFlorida FHA Mortgage Lenders Largo FL FHA Mortgage FHA Mortgage Lenders Largo FL Largo FL FHA Mortgage Lenders LARGO FL MORTGAGE APPLICANTS WHAT TO KNOW “WHAT IS THE MINIMUM CREDIT SCORE FOR AN FHA MORTGAGE”?  If the Minimum FHA Mortgage Credit Score is at or above 580+ the FHA mortgage applicant is eligible for 96.5%…

Read More

PLANTATION FL FHA MORTGAGE LENDERS

Plantation FL FHA Mortgage Lenders What Is an FHA Mortgage? An FHA mortgage loan issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Created for low-to-moderate-income borrowers, FHA mortgage loans require lower minimum down payments and credit scores than many conventional loans. HOME BUYERS ASK EVERY DAY, “WHAT IS THE MINIMUM…

Read More

FHA-MORTGAGE-LENDERS.COM - DISCALIMER

US Mortgage Lenders has an extensive lender network that allows us to provide unique and mortgage solutions. Contact US for the most update information on terms and conditions. All Information on this site Is for example, hypothetical purposes and should NOT be relied on for decision making.
Email Questions To Google
Hide Buttons
Skip to content