Finding the right mortgage lenders can be overwhelming, and at times, even intimidating. When shopping for a mortgage, you'll want to make sure you're getting the best loan possible. Unlike looking for a new home, there's nothing exciting about searching for a home loan. AmeriSouth Mortgage Company is comprised of the best North Carolina mortgage lenders who will work for you and take a headache out of acquiring a home loan.
We Are Committed to Our Clients
Whether you're looking for fixed or adjustable rates, for a term of 5-40 years; we can match you with the best loan products to compliment your needs. Whether you're a first-time home buyer, a previous homeowner, or just want to refinance your current mortgage; we can provide you with a solution that we can both be happy with.
AmeriSouth Mortgage Company is committed to our clients. We pride ourselves on going above and beyond what other lending institutions do to give their customers what they need. As you analyze our ratings and reviews from past and current clients, you will feel comfortable doing business with a company that puts their rates, points, and fees in writing. Our quotes are etched in stone, never a penny more, and never any surprises at closing. Further, AmeriSouth Mortgage Company provides quick turn times, nationally competitive rates, and an unbeatable process.
Your Application and Credit Check
The first thing to do is to fill out a 1003 (ten oh three) mortgage application. Your loan officer will look at your willingness and ability to pay back the loan and your collateral (your security against the loan) to determine the loan's feasibility. After your application, your loan officer will run your credit report with the three major credit bureaus, using the middle score, throwing out the low and high scores.
Your loan officer will review all of the different loan programs with you and help you to decide which one is best for your situation. Programs include conventional, FHA, USDA, THDA, VA, and jumbo loans. Which program do you think would be right for you?
Documentation, Processing, and Underwriting
You will need to provide adequate identification, bank statements, check stubs, W2s, tax returns, and more, depending on your situation. Our processors will verify your documentation. Our underwriters will confirm that your loan meets all loan program guidelines, and they may ask you for additional documentation as needed. Once this part of the process is completed, you will be approved, and a closing date will be set.
Closing takes place at a title company or an attorney's office. This is the time when you will sign closing documents, including the note (buyer's promise to pay back the loan) and the Deed of Trust (confirms that we can foreclose if you doesn't follow through). Make AmeriSouth Mortgage Company your North Carolina mortgage lenders and get a rate you can live with. Either call or email any time. If we miss you, we'll respond within a business day.North Carolina Mortgage Lenders