Judy Kemp-Dearmon Senior Loan Officer / GMA, CRMS 615-804-7462 direct office 615-866-5689 fax View My Profile   email me!

Judy can help you with all of your Home Purchase or Refinance needs in Tennessee!

AmeriFirst is an established mortgage banker based in Portage, Michigan.   We originate, underwrite, and service our own loans.    We are a proven leader in FHA 203k Renovation mortgage financing, both Full 203k and Streamline 203k.   Most of our 203k loans close within about 30 days.   All of our team members are 203k certified, so you know you're working with the best 203k team in the industry.

  We are also a Fannie Mae approved provider of HomePath Renovation mortgage loans.   HomePath, and HomePath Renovation mortgages, are available for Fannie Mae owned real estate that is listed for sale.  
  
Scroll down for a list of our other available loan programs.
For Assistance with any of your mortgage loan needs, contact:
 
Judy Kemp-Dearmon
Senior Loan Officer 
NMLS #178565 
(615)804-7462 direct 
(615)290-5187 fax 
jkemp@amerifirst.com 
308 Seaboard Lane  Suite 108
Franklin, TN  37067     


    
Judy Kemp-Dearmon is a
certified 203K Specialist!   

 

AmeriFirst is an approved lender of the ReBuild USA Network!


Get Mortgage Ready!   If you're a first time homebuyer and not sure what steps to take to own your own home, here's a free ebook to get you started.

  

Interested in our other loan programs?   We offer...

100% Rural Housing
100% VA
FHA
203K  (with Rebuild-USA, or with your own contractors)
 HomePath and HomePath Renovation
Reverse Mortgage
Low Rate ARM's
Low Rate Jumbo's
Loans for Manufactured Homes

To be Pre-Approved for your Mortgage Loan...
Apply Now    

Please have the following information available:

Most recent two months bank/investment statements
Most recent 30 days paystubs
Most recent 2 years tax returns and W2s
Any other applicable financial documentation (trust, divorce decree, Social Security statement, etc.) 

 
Follow the official AmeriFirst Home Mortgage Blog here...     





Here's a brief summary of loan programs and their benefits:  

Rural Housing is a USDA program that allows for 100% financing for homes located in rural areas.  No down payment is required and the seller can pay all closing costs and prepaids for the buyer.   Closing costs may also be financed.  There is a USDA guarantee fee, which can be financed with the loan, and no monthly MIP.

VA allows for 100% financing for Veterans and their spouse.  No down payment is required and the seller can pay all closing costs and prepaids for the Veteran.    There is a VA funding fee, which can be financed, and no monthly MIP.    Disabled Veterans may be exempt from the funding fee.

FHA is a low down payment program that requires a minimum of 3.5% down.

203K is an FHA program that allows home buyers, or homeowners, to finance remodeling costs into the loan.   A small down payment is required if you're purchasing, and the amount that can be financed is based on the "as improved" value of the home.  This is a great option if you're interested in purchasing a distressed property, or don't have enough current equity in your home to finance the improvements.  

A Reverse Mortgage enables qualifying seniors to tap into the equity in their home without the worry of mortgage payments.    Seniors can stay in the home as long as they occupy it and can receive a lump sum, a line of credit or an income stream.    This program is a life saver for seniors struggling to make ends meet. 

An ARM is one option that may reduce your payments, and your loan balance more quickly over the long term.    Though the interest rate may vary after the first several years, homeowners can take advantage of incredibly low rates during the fixed rate term of the loan by paying extra to principal and enjoying reduced payments later.   This is a great option for those nearing retirement age who are able to be financially pro-active now, while their income is higher.  

A JUMBO loan is for larger loan amounts that exceed the loan limits of other loan programs.   We have some of the best rates and options in the industry!


Are you concerned about your Credit?   Generally, you need a middle credit score of 620 or better for any type of home financing.    If you need to work on credit issues, you can go to www.annualcreditreport.com to view, and dispute, inaccuracies on your credit report.   There are other agencies available to assist you with credit score improvement.


For questions on any of our Loan Programs, contact
Judy Kemp-Dearmon at (615)804-7462 or jkemp@amerifirst.com .  


Franklin TN Branch:
Amerifirst Home Mortgage
308 Seaboard Lane Suite 108
Franklin TN  37027
(15)804-7462 Direct

Corporate Office:
616 West Centre Avenue
Portage,  MI  49024



AmeriFirst Home Mortgage is an Equal Opportunity Lender
NMLS License # 110139
TN License #4309