About Lloyd Daw & Mortgage Team
When it comes to securing a home mortgage loan, working with someone you can trust is paramount. Lloyd Daw, your trusted Rate Loan Officer, brings 15 years of experience in the mortgage industry, offering clients unmatched expertise and a deep understanding of the lending process. His honesty and integrity have earned him a stellar reputation in the Eastern North Carolina area, making him a reliable partner for one of the most significant financial decisions of your life. Lloyd ensures that every client feels confident and informed, guiding them through each step with transparency and professionalism.
Lloyd's goal is to simplify the mortgage process, making your home loan experience easy to navigate while remaining available to you from application to closing. He takes pride in thoroughly educating his customers throughout the mortgage transaction, ensuring they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first-time homebuyer or a seasoned homeowner, you can trust Lloyd and his team with all of your home financing needs. His dedication to client satisfaction and clear communication ensures a smooth and stress-free experience from start to finish.
Additionally, Lloyd's extensive network of contacts in the New Bern area gives his clients a significant advantage. From real estate agents to appraisers and contractors, he has cultivated strong relationships with professionals who can streamline the home-buying process. By working with Lloyd, you gain access to a wealth of resources that make purchasing your dream home as seamless as possible. Please don't hesitate to reach out using the contact information on this page, and feel free to use this website as a resource as you begin your home financing journey. With Lloyd Daw, you're not just securing a loan—you're gaining a trusted partner who is invested in your success.
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.800% | 7.106% | 1 ($3500.00) | $2281.74 |
| 15-year fixed | 5.750% | 6.220% | 0.967 ($3384.50) | $2906.44 |
| FHA loan | 6.125% | 7.169% | 0.965 ($2945.67) | $1991.48 |
| VA loans | 6.025% | 6.577% | 0.969 ($3959.34) | $2456.33 |
| Jumbo loans | 6.490% | 6.727% | 0.934 ($8406.00) | $5682.69 |
* Rates current as of 3/26/2025 04:15 pm, provided by Lloyd Daw, for Craven County, NC, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
- Monitor your loan status
- Connect with your loan team
- Calculators, tools, guides, and advice
- Track your home value
- Wellness tips to help you grow holistically
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Located at 220 South Front Street, New Bern NC, 28560