Lake Lure Land Real Estate in Rutherfordton, NC

We are proud to work with these financial institutions.

Interested in purchasing property in this beautiful area? Contact the lenders below to have your personal and specific questions answered with confidentiality. Professional in every respect, we are proud to work with the institutions below. Plus, you'll find loan applications on the forms page, and a calculator to help figure your monthly requirement on a real estate purchase. Yes, decent credit is required to purchase real estate, but you'll find it doesn't have to be stellar quality, as many of our customers found and were pleasantly surprised. Give these people a call today!


These local lenders (below) have been great associates to work with. They are fair, honest, competitive, and quick to process our client's requests.

Please keep in mind, though we respect and appreciate these companies, you are free to choose any lender. Furthermore, these rates and terms are subject to change. Contact the lender of your choice!

BB&T Bank

Teri Smart

828-287-2258 office
  up to 95% on home financing, no lot loans, equity line of credit avail.

Fixed Rate
15 year - 7.75% for lots
15 year - 3.25% for homes
30 year - 3.85% for homes

Up to 95% financing if primary residence,
80% if second/vacation home.
Guild Mortgage Company

Pam Wobbleton

864-580-3256 cell

Credit score of 580 accepted, slightly higher required for 100% rural financing. Ask how to avoid PMI costs!

Fixed Rate
30 year - 4.25% (lower w/better credit)
VA / FHA / USDA loans available

No Lot Loans available.

Carolina Farm Credit

Kamron Kerr

828-286-9183 office
  up to 75% financing available on lot loans

Fixed Rate
10 year - 6.00% for lots
15 year - 6.50% for lots w/balloon in 10 yrs

2% credit union buy-in ($1,000 cap) required, returned at completion of loan. 20% (+/-) of interest paid each year is returned to borrower at end of lender's fiscal year.

Linda Marsh

828-287-2244 office

up to 95% financing if primary residence, 80% on vacation home,
80% on lot loans. Ask about Log Home specials!

Adjustable Rate Mortgage (ARM)
3/1 ARM - 5.25%
5/1 ARM - 5.5%

Loan is for 25-year term.
Application fee of $400 due with application, refunded at closing.

  Rates subject to change without notice, and may increase or decrease subject to your credit score.
Contact the lending institution of your choice for the most current terms, rates & information.
The following items are needed to process your loan application:
  • completed & signed loan application
  • copy of your driver's license (and spouse, or co-signer, if applicable)
  • current pay stub, W-2's
  • most recent bank deposit statement to verify down payment
  • if self-employed, last year's tax return with all schedules



Hearthstone Ridge, Clearwater Creek, and Sweetbriar Farms are private, gated communities.
To ensure the privacy and security of their residents, our cabins and land for sale are shown by appointment only.
Please call Dan Hoffman at 828-289-6885, or use the "contact us" page to arrange a visit or obtain additional information. Thank You!

Local Information

Property is offered by Lake Lure Land, a real estate company owned and operated by NC licensed real estate broker Daniel Hoffman.
Lake Lure Land specializes in western North Carolina real estate, offering land for sale, cabins for sale, and homes for sale in western NC,
and represents Mtn Creek Land Co., Inc., a residential developer, and other individual owners of property offered herein.
Prices and availability subject to change without notice. Privacy Policy here.
Web design, content & photos © 2004 - 2017 by Daniel Hoffman. All rights reserved.