Sharon "Shari" Casini Averette, Senior Loan Officer
First Financial Services, Inc. I Lake Norman Office I 7930 W. Kenton Circle Suite 150 I Huntersville NC 28078
Tel 704.488.3943 I E-Mail Sharon@NCMortgagePro.Net
Products and Services II
Special Programs ...
My Community Mortgage ... A conventional loan (conforming loan amounts) program featuring up to 100% financing (zero down) for borrowers who either a) meet certain income restrictions OR b) who are purchasing in an income cap exempt Fannie Mae designated community. Call for details or more information on this program!
Home Opportunities Mortgage ... A conventional loan (conforming loan amounts) program featuring up to 100% financing (zero down payment) with no maximum income restrictions for borrowers who are either a) employed in a qualified public service profession OR b) whose income doesn't exceed program specified limitations. Call for details or more information on this program!
Flexible 100 and Freedom 100 Mortgages ... Conventional loan (conforming loan amounts) programs for borrowers with strong credit, who need maximum financing. 97% to 100% financing (zero to 3% down payment) is available and Seller contribution towards closing costs is allowed, even when the zero down payment option is selected, provided that the borrower contributes a minimum of $500 towards his or her down payment, closing costs or pre-paid expenses.
Jumbo Mortgages ... Loan amounts from $417,001 up to $4,000,000. Call for rates and terms on these programs!
Alt-A Mortgages ... These are conventional mortgages for borrowers with excellent credit, who want a reduced documentation feature(s). These are commonly referred to as Stated Income/Stated Asset, Stated Income and VOA (Verification of Assets), NINA, No Ratio, etc. They are available in conforming ($417,000 and under) and non-conforming ($417,001 and up) loan amounts. They will typically require at least 10% down. Call for details or more information on any of these programs!
FHA Secure Mortgage ... This is a program for borrowers who have been or are being affected by non FHA adjustable rate mortgages that have recently reset. If the mortgage payments were being made on time prior to the reset and if the borrower would otherwise qualify for an FHA loan now, this may be an option. Call for details or more information on this program.
My Community Mortgage ... A conventional loan (conforming loan amounts) program featuring up to 100% financing (zero down) for borrowers who either a) meet certain income restrictions OR b) who are purchasing in an income cap exempt Fannie Mae designated community. Call for details or more information on this program!
Home Opportunities Mortgage ... A conventional loan (conforming loan amounts) program featuring up to 100% financing (zero down payment) with no maximum income restrictions for borrowers who are either a) employed in a qualified public service profession OR b) whose income doesn't exceed program specified limitations. Call for details or more information on this program!
Flexible 100 and Freedom 100 Mortgages ... Conventional loan (conforming loan amounts) programs for borrowers with strong credit, who need maximum financing. 97% to 100% financing (zero to 3% down payment) is available and Seller contribution towards closing costs is allowed, even when the zero down payment option is selected, provided that the borrower contributes a minimum of $500 towards his or her down payment, closing costs or pre-paid expenses.
Jumbo Mortgages ... Loan amounts from $417,001 up to $4,000,000. Call for rates and terms on these programs!
Alt-A Mortgages ... These are conventional mortgages for borrowers with excellent credit, who want a reduced documentation feature(s). These are commonly referred to as Stated Income/Stated Asset, Stated Income and VOA (Verification of Assets), NINA, No Ratio, etc. They are available in conforming ($417,000 and under) and non-conforming ($417,001 and up) loan amounts. They will typically require at least 10% down. Call for details or more information on any of these programs!
FHA Secure Mortgage ... This is a program for borrowers who have been or are being affected by non FHA adjustable rate mortgages that have recently reset. If the mortgage payments were being made on time prior to the reset and if the borrower would otherwise qualify for an FHA loan now, this may be an option. Call for details or more information on this program.
Non-Prime Alternative Mortgages ... These are mortgage solutions primarily designed for borrowers with significant adverse credit. Call for details or more information on these programs.
Mortgage Programs Not Listed ... Call for details or additional information on No Closing Cost Programs, Construction-Permanent programs, USDA (rural housing program) loans, Pay Option ARMs, Bridge Loans, Lot Loans and Home Equity Lines of Credit/Loans.
Commercial Loans ... Small Balance Commercial Loans and Lines of Credit available for qualified borrowers! Call for more information!
Commercial Loans ... Small Balance Commercial Loans and Lines of Credit available for qualified borrowers! Call for more information!
