AmeriSouth 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, Rebecca will help you secure the best option for your mortgage needs. We have loans that can be used to purchase your own home, a second home, or an investment property.

We can assist you before you start your new home search by providing a pre-approval letter, showing the amount you should qualify for. This will also give you a head start in underwriting, which will get you into your new home faster. See our checklist for items we will need to process your loan application. Also, checkout our Guides page for helpful information and checklists. Among the information there, you will find the House Hunting Guide to aid you in deciding on all the details that you are looking for in a new home. Provide this to your realtor to assist them in finding the perfect home for you. Or, if you will be touring homes, there is a Home Tour Checklist to help you remember the features of each home you see.

Specializing in all types of Residential Loans up to $1,500,000. Primary residence Homes, Second Homes, Investment Property, Condominiums and Manufactured Housing. Serving all NC counties from the mountains to the beaches!

Refinance Loans

AmeriSouth has mortgage loan products that you can use for debt consolidation or accessing the equity that may have built up in your home. Refinancing your current mortgage can be a benefit by lowering your interest rate and reducing your monthly payments. Cash-out refinance loans can be a great way to help with personal financial situations, such as, home improvements, college expenses, debt consolidation and more.

Mortgage Loan Products

Conforming Fixed Rate Loans up to $453,100

  • 15 & 30 year loans up to 97% Loan to Value (LTV)
  • Community Homebuyers Program
  • Second Home loans up to 90% Loan to Value (LTV)
  • Investor program loans up to 85% Loan to Value (LTV)

Conforming Adjustable Rate Mortgage (ARM) Loans up to $453,100

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

Manufactured Home Loans

  • Conventional, FHA, VA & USDA eligible (see Government Mortgage Loan Programs)

Jumbo Loan Programs up to $1,500,000

  • Fixed rates available, Contact Rebecca.
  • Fixed period ARMs up to 80% financing up to $650,000

Investment Properties

  • Financing up to 85% Loan to Value (LTV)

Cash out Refinances

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

Fannie Mae HomeStyle Renovation

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

Government Mortgage Loan Programs

Using responsible lending practices and government insured programs such as FHA, VA & USDA Loans, we can help you get the loan you need. Contact Rebecca for information about eligibility guidelines and locations. When you call, ask about our 100% financing options and see if you qualify to purchase your new home with no money down.

The content and links regarding the programs presented 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 financing using any of these programs the consumer may choose subject to the program qualification.

Federal Housing Administration (FHA)

  • 203K Program for FHA Home Renovation

Veterans Administration Loans:   VA in Reach, VA Features

We help Service members, Veterans, and eligible surviving spouses become homeowners.

USDA Rural Development

We offer the USDA Rural Development Program with a 102% Loan to Value for a true “No Down Payment” purchase for eligible borrowers and locations.

Call Rebecca at 336-838-4444 to learn more.