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FS Four Seasons
Financial Services		 108 Joel Wright Drive, Suite 108, South Park Plaza
Hendersonville, NC 28792
Phone (828) 693-1515  Fax (828) 693-9155  contact@fsfinancial.com


Mortgage Services

We provide mortgage loans on:
  • Single Family Primary Residences,
  • Second Homes,
  • Lots in Developed Subdivisions,
  • 1-4 Family Residential Investment Properties,
  • True Modulars, Single-Wides, Double-wides,
  • Duplexes, Triplexes, Fourplexes

Guaranteed Rural Housing Program

  • 100% Financing
  • No maximum loan amount
  • Ratios 29/41%
  • All of Hendersonville and Henderson County qualifies
  • All of Polk and Transylvania Counties qualifies
  • Most of Buncombe County qualifies
  • 6% Seller concessions allowed
  • Good credit required
  • Closing costs may be gift or grant
  • Home must be in good condition
  • Ask about maximum income requirements

The Approve and Move Mortgage Plan:

  • Potential Home buyer is Approved PRIOR to selecting a home to purchase.
  • Time and Effort may be saved by knowing the amount of the mortgage they can afford before looking.
  • Fixed rates up to 95% loan to value, Adjustables up to 90%
  • Approval is subject to a signed Contract and Satisfactory Appraisal.

Limited Documentation Loans:

  • Pre approval before the end of the Day!
  • Most recent pay stub
  • W-2 for last year
  • Bank statements for past 2 months

The ARM Alternative Mortgage:

  • No-cost temporary buy-down of rate for first two years,
  • Qualify at 2% Lower than note rate.
  • First year payment at 2% below note rate,
  • Second year payment 1% below note rate.
  • Afford a larger mortgage by qualifying at lower rate.

Construction-Permanent Mortgage Loans:

  • Prime minus l% during construction
  • One-time closing.
  • Loans up to 90% Loan-to-Value.
  • Fixed or Adjustable Rates.
  • Stick-built or True Modulars.

The Blended Rate Mortgage:

  • Ask how you can Avoid paying Private Mortgage Insurance for 90% Financing and save thousands of dollars.

Stated Income, No Income Verification, No Ratio Loans:

  • Can use "stated" income, with no income verification, for self-employed borrowers that have been self-employed at least 3 years.
  • Can use "No Ratio Program" for borrowers with strong assets.
  • For Primary Residence, Second Home, Rental Property.