Loan Programs

application-114626293AmeriSouth Mortgage Company is proud to offer a very comprehensive line of mortgage products to home buyers.  We can customize any loan to best suit the needs of each individual buyer.  AmeriSouth is continually researching the mortgage industry for innovative products to better serve you.

Purchase Loans

Whether it’s time to buy that First Home or you’re ready to move into a Larger House, your AmeriSouth loan professional with help you secure the best option for your mortgage needs. We have products that can be used for your own home, a second home, or an investment property. Ask about our 100% financing options and see if you qualify to purchase your new home with no money down.

Specializing in all types of Residential Loans up to $1,500,000.

Primary Homes, Second Homes, Investment Property, and Condominiums. Serving GA, SC, TN and NC, including the western North Carolina counties of Avery, Ashe, Buncombe, and Watauga.

Refinance Loans

AmeriSouth has mortgage products that you can use for debt consolidation or accessing your equity that may have built up in your home. Refinance loans can be a great benefit when used to help with personal financial situations such as reducing monthly payments, home improvements, college expenses, and more.

Check current rates or call your AmeriSouth loan professional at        704-845-9400 or 800-849-2378 to learn more.

Conforming Fixed Rate to $424,100

  • 15 & 30 year loans up to 97% LTV
  • Community Homebuyers Program
  • Second Home up to 90% LTV
  • Investor programs up to 85% LTV

Conforming ARM Programs to $424,100

  • 30 year loans to 95% LTV
  • 3/1, 5/1, 7/1, 10/1 ARMS (Fixed Period ARMs)

Manufactured Home Loans

  • Conventional, FHA, VA & USDA eligible

 Jumbo Programs to $1,500,000

  • Fixed rates available, call for details
  • Fixed period ARMs up to 80% financing to $650,000

 Investment Properties

  • Finance up to 85% LTV

 Cash out Refinances

  • Maximize the use of the equity in your home by financing up to 75% LTV and 80% CLTV of the value of the home to pay off credit card debt or other loans to save you money.


We also Offer Financing Using the Following Programs

Using responsible lending practices and government insured programs such as FHA, VA, & NC Housing Loans, we can help you get the loan you need. We also offer the USDA Rural Development Program with a 102% Loan-to-Value for a true “No Down Payment” purchase for eligible borrowers and locations.

Contact us for information about eligibility guidelines and locations.

The content and links regarding the above programs is intended for information that may be helpful to the consumer in selecting a loan for the purpose of a home purchase or refinance. AmeriSouth Mortgage Company has no affiliation with the VA, HUD, USDA or NC Housing. We provide the financing using any of these programs the consumer may choose subject to the program qualification.

Government Programs

USDA Rural Development

NC Housing Loans (NCHFA)

  • NC Home Advantage Mortgage™ – offers downpayment assistance up to 5% of the loan amount for first-time and move-up buyers.
  • NC 1st Home Advantage Down Payment – offers an $8000 downpayment assistance option for eligible first-time buyers (those who haven’t owned a home as their principal residence in the past three years) and military veterans.

House Charlotte Programs

  • Deferred, forgivable loans to qualified applicants, buying in the City of Charlotte.
  • Funds can be used to cover downpayment, closing costs, and interest rate buy down.

203K Program for FHA Home Renovation

Fannie Mae HomeStyle Renovation

  • Finance improvements for up to 50% of the property’s as-completed value
  • Downpayment as little as 5%


For a personalized mortgage solution, Contact us today.

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