Charlottesville Lender Spotlight: Andy Zemon at Waterstone Mortgage
ANDY ZEMON – WATERSTONE MORTGAGE CORPORATION
ABOUT ANDY ZEMON - Cville Loan Officer
Andy Zemon
Andy Zemon works as the Sales Manager and Loan Officer with Waterstone Mortgage Corporation. He is responsible for the significant growth of this family-run branch and offers his in-depth industry knowledge to assist many of the regions’ homebuyers. To date he has helped more than 1500 families in his career.
Andy Zemon’s passion is providing mortgage-based financial plans and is the preferred lender for some of the area’s top builders and REALTORS® – including Virginia Real Estate Solutions LLC. Andy is one of only three Certified Mortgage Planning Specialists in the Central Virginia area.
In addition to running his own team within Waterstone Mortgage, Andy provides continuing education courses through the Charlottesville Area Association of Realtors. He also offers seminars through the local Chamber of Commerce as well as for many local real estate offices on the finer points of owning and growing their businesses. Andy has also been featured on the WINA live morning show and the local NBC affiliate as a lending and financial expert.
Before moving back to his hometown of Charlottesville, Andy worked in business development in the Washington, DC area. He received his degree in Consumer Affairs at The Ohio State University. He is a past player of the Virginia Men’s Rugby Club and currently volunteers over 1100 hours a year with the Seminole Trail Volunteer Fire Department as both a driver and firefighter.
Andy is married to his beautiful wife, Chanda, an orthodontist in the Charlottesville area and together they have two beautiful girls named Stella and Libby.
Find Andy Zemon on Social Media:
Andy Zemon on Twitter: https://twitter.com/zemon76
Andy Zemon on Google+: https://plus.google.com/111947314488135456453
Andy Zemon on Pinterest: https://www.pinterest.com/zemon76/
Andy Zemon on Soundcloud: https://soundcloud.com/zemon-team
AVAILABLE CHARLOTTESVILLE LOAN PROGRAMS
CONVENTIONAL LOANS (FIXED- AND ADJUSTABLE RATE MORTGAGES)
At Waterstone Mortgage, we offer a variety of Conventional Loan programs to meet your needs. Let us help you achieve your dreams of home ownership with a purchase or refinance.
- Choose the program that’s right for you
- Fast, local service
- Quick turnaround times
- Competitive rates
DEBT CONSOLIDATION
If you’re looking to consolidate your debt as you purchase or refinance your home, we offer a variety of mortgage loan programs to meet your needs. Contact us today to learn more about debt consolidation!
FHA 203(K) FULL AND STREAMLINE LOANS
FHA 203(k) Streamline loans are an affordable financial tool you can use to buy AND fix up your home. With a 203(k) Streamline Loan, you may be able to purchase a property and bundle the cost of repairs, upgrades and other improvements all into one FHA loan. We partner with Rob Alley and Virginia Real Estate Solutions to help you create your dream home for less money! Features of the FHA loan type are:
- Low down payments
- Some fees may be financed
- One loan with one closing
- Mortgage amount based on after-improved value
AN FHA 203(K) STREAMLINE LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A 203(K) SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY, AS WELL AT A 203K REAL ESTATE AGENT EXPERT.
FHA LOANS
FHA loans are designed to help first-time homebuyers and seasoned homeowners by providing them with a low down payment option. Plus, it’s now easier than ever to qualify!
- Down payments as low as 3.5%
- Your loan is guaranteed by the government
- Less than perfect credit can apply
- Energy-efficient mortgages, reverse mortgages, refinances, and renovation loans also available
AN FHA LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.
FHA STREAMLINE REFINANCES
Let Waterstone Mortgage help make home ownership more affordable with an FHA Streamline refinance loan. FHA Streamline refinances are designed for people who already have FHA mortgages and want to lower their monthly payments.
- Lower your monthly payments – permanently
- Home re-appraisal not required to refinance
- Decreased mortgage insurance premiums for FHA loans endorsed on or before May 31, 2009
AN FHA STREAMLINE REFINANCE IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.
FIRST-TIME HOME BUYER PROGRAMS
If you’re a first-time homebuyer, we’ll give you the expert advice you need to help you make your home ownership dreams come true. With new programs and options, it’s easier than you think.
- Build equity
- Tax benefits
- No surprise rent hikes
- Decorate and landscape the way you want
HOME AFFORDABLE REFINANCING PROGRAM (HARP)
If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance with the Home Affordable Refinance Program (HARP).
- No limit on maximum loan to value for most mortgages
- Mortgage insurance not required in most cases
- Reduction or elimination of some fees
INTEREST-ONLY LOANS
At Waterstone Mortgage, we offer a variety of mortgage loan programs to meet your needs, including interest-only options. Contact us today to learn more about interest-only loans!
INVESTMENT PROPERTY FINANCING
If you’re a real estate investor, we can help you take advantage of opportunities in today’s market with financing for up to 4 properties. With our low interest rates and lending fees, we’ll ensure that you’re maximizing your potential profit.
- Finance up to 85% loan to value for 1 property
- Finance up to 75% loan to value for 2-4 properties
- A variety of loan programs available to meet your needs
JUMBO LOANS
Jumbo loans make it easier than ever for borrowers who dream big to own big. Let us help you achieve your dreams with reasonable terms and low rates.
- Financing options up to $5 million
- Interest-only option available for some ARMs
LOANS FOR “LESS THAN PERFECT” CREDIT
We offer a variety of mortgage loan programs to meet your needs, including programs for people with “less than perfect” credit.
MORTGAGE PLANNING
Make the jump to home ownership! We’ve created a Path2Buy program to get you on the road to meeting your home buying goals. It works for renters looking to buy their own home, or current owners looking to move up, buy an investment property, or refinance their current property. Contact us today to get on the Path 2Buy!
Path2Buy coaches may provide financial guidance, but this in no way constitutes legal advice or credit counseling. The Path2Buy system is not an application for credit. If at any time you wish to proceed to an application for credit, you must complete an application in accordance with regular Waterstone Mortage procedures.
NEW HOME PURCHASES
Are you ready to buy a new home? We offer a variety of home loan programs to meet your needs. From conventional loans to government loans to specialty products, we’ll help you find the program that’s right for you.
- Choose the program that’s right for you
- Fast, local service
- Quick turnaround times
- Competitive rates
PURCHASING AFTER BANKRUPTCY, FORECLOSURE OR SHORT SALE
A bankruptcy, foreclosure, or short sale doesn’t mean that you’ll never be able to own a home again. We offer a Path2Buy program to work with you on your credit and finances so that when the required “waiting period” has passed, you’ll be ready to buy a new home. Contact us to get started today!
REFINANCES
Mortgage interest rates are at historic lows, making now the perfect time to look into refinancing your home with Waterstone Mortgage.
- Increase your savings or cash flow
- Shorten the length of your mortgage
- Consolidate your first and second mortgage
- Use your equity for extra cash
USDA / RURAL DEVELOPMENT LOANS
USDA loans are designed to encourage rural land development and growth in rural areas. They were long thought of as “Farmers Loans”, but eligibility has recently been loosened, giving many people looking to purchase or refinance in a rural area access to the incredible benefits offered by these loans.
- 100% financing option available
- Great rates and down payment options
- Better terms than a FHA or conventional loan
- Flexible credit guidelines mean less than perfect credit may still qualify
A USDA LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.
VA LOANS
Insured by the Veteran Affairs Department, VA Loans allow eligible veterans to realize their home buying dreams, and help existing VA homeowners with money-saving refinance options.
- 100% financing options available
- No private mortage insurance requirements
- No prepayment penalty
- Less than perfect credit can apply
A VA LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.
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About the author: The above Real Estate was provided by Rob Alley, a leader in his field. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years. Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta
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