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If you live in Brunswick County, try Corning Credit Union in Leland near the Harris Teeter store. CCC also has offices in Wilmington. I believe membership is available to anyone living in Brunswick County. It was the best mortgage experience I have ever had and they have very good rates/low fees. Since it is a very large credit union (assets of a billion dollars with offices in NC, PA and NY) they handle construction and home loans.
CCC's web site has a mortgage center page that gives you very detailed information.
BB&T provided our building loan and converted to mortgage. Totally painless and transparent.
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