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Mortgage Loans in Rocky Mount, NC

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario!

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Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

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All about Rocky Mount, NC

Rocky Mount is a city in Edgecombe and Nash counties in the U.S. state of North Carolina. The city’s population was 54,341 as of the 2020 census, making it the 19th-most populous city in North Carolina. The city is 45 mi (72 km) east of Raleigh, the state capital.

It is the principal city of the Rocky Mount metropolitan area, often called the “Twin Counties”, which had an estimated population of 143,870 in 2020. Rocky Mount is also an anchor city of the Rocky Mount-Wilson-Roanoke Rapids Combined Statistical Area in northeast North Carolina with a total population of 288,747 as of 2020.

Incorporated in 1867, the community at the falls of the Tar River that became the city of Rocky Mount dates from the middle of the 1700s. Historically strong in rail transportation, textiles, and agriculture, the economy of Rocky Mount has diversified into biomedical pharmaceuticals, manufacturing, and logistics. Rocky Mount has also twice received the All-America City Award from the National Civic League in 1969 and 1999.

Source: https://en.wikipedia.org/wiki/Rocky_Mount,_North_Carolina

History of Rocky Mount, NC

The region around the Tar River was continuously inhabited by indigenous people for 12,000 years before the first Europeans arrived when it was home to the Tuscarora people. Europeans began settling in the area after the Tuscarora War in the early 1700s. Like many other early settlements in colonial America, they settled along the fall line between the Piedmont and coastal plain, which is the point at which rivers become unnavigable sailing upstream and water flowing downstream can power a mill. The Falls of the Tar River Primitive Baptist Church was established in 1757, and still meets today, although its original building has since been replaced. Much of the community attended the church so it served as an early form of record-keeping and law enforcement with citations given for crimes.

21st century

The first decades of the 21st century have seen efforts to revitalize the historic downtown and projects to renovate buildings such as the train station and Douglas Block or repurpose them like the Imperial Centre for Arts and Sciences. In 2007, Capitol Broadcasting Company bought Rocky Mount Mills and is in the process of turning it into a mixed-use campus of breweries, restaurants, lofts, and event space. There have also been major new community projects such as the 143-acre (58 ha) sports complex and 165,000-square-foot (15,300 m2) downtown event center. In 2019, CSX, the successor company of the Atlantic Coast Line Railroad, broke ground on a new intermodal cargo terminal that is expected to grow the local economy in the next decade.

Source: https://en.wikipedia.org/wiki/Rocky_Mount,_North_Carolina

Geography of Rocky Mount, NC

Rocky Mount is located in northeastern North Carolina, at the fall line between the Atlantic Coastal Plain to the east and the Piedmont region to the west. The city is 58 miles (93 km) east of Raleigh, the state capital, 91 miles (146 km) northeast of Fayetteville, 144 miles (232 km) north of Wilmington, 19 miles (31 km) north of Wilson, 42 miles (68 km) south of Roanoke Rapids, and 127 miles (204 km) south of Richmond, Virginia.

According to the United States Census Bureau, the city has a total area of 104.9 square miles (271.8 km2), of which 104.6 square miles (270.8 km2) is land and 0.4 square miles (1.0 km2), or 0.35%, is covered by water. The Tar River passes through the city from west to east, crossing the fall line at Upper Falls and Little Falls and descending 25 feet (7.6 m) within the city limits. The city boundaries straddle the line between Edgecombe and Nash counties, which follows the railroad tracks through the center of the city running north to south.

Neighborhoods

Historic Rocky Mount Mills Village

Situated near the Tar River, the Rocky Mount Mills Village grew in the late 19th and early 20th centuries as a small community of tenants working for the mill. Built between 1885 and 1940, each home is recognized by the National Register of Historic Places. Changes in industrialization eventually forced the closing of the mill, and this way of life came to an end. However, when the mill closed, the property remained intact. Though the property has been a rental for its entire existence, covenants are placed on the property to assure home ownership and owner-occupancy and protect historical integrity.

Source: https://en.wikipedia.org/wiki/Rocky_Mount,_North_Carolina

LaMonica McDuffie

Loan Officer  //  NMLS #1991132

My name is LaMonica McDuffie.  I am a native of Durham, North Carolina.  I have a Degree in Business Management from North Carolina Agricultural & Technical State University.  I am the eldest of 2 sisters and the dog mother of 2 adorable dogs, Chase, and Harley.

Growing up my mother and I always had a love of touring new construction homes in our area.  For years I thought my dream job would be helping other people enjoy every aspect of building or owning a home of their own.

While still in college I started gaining the experience that I still use to this day in the mortgage industry. Right away I knew that I was going to love being involved in the process of helping families obtain a mortgage for their homes.  Seeing the joy, it brings to families and the pride they take in seeing their dream of homeownership come to fruition gives me the passion to perform my job to the best of my ability.

LaMonica.McDuffie@Nafinc.com(919) 638-7494
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LaMonica McDuffie Mortgage Loans

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