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John Popp Charlotte Home Loan and FHA Source

Bilingual in Spanish - Your Mortgage Expert

My name is Ivette Yost and I offer you and your Clients:
  • PROFESSIONAL Service, Security & Support for their Mortgage needs.
  • Access to Many of the top National and Regional Mortgage Sources.
  • Bilingual in Spanish and English
  • Licensed in North Carolina, South Carolina ( FHA and VA Mortgages only) and Virginia
  • A small Thank You Gift at close of Escrow

1st Metropolitan Mortgage

4608 Highway 49 S
Harrisburg, NC 28075
Phone: 704-490-4733 ext 105 Fax: 704-454-5660
Cell Phone: 704-208-8688

New Bilingual Mortgage Originator - Charlotte, NC

I would like to introduce you to our new Bilingual (SPANISH AND ENGLISH) Loan Specialist.
Ivette Yost served 4 years in the USAF. She has a degree in Logistics and Mgmt CIS. She has a vast understanding of the mortgage lending business including FHA Mortgages, VA Mortgages, USDA 100% Mortgages, ITIN Loans with the proper down payment, Down Payment Assistance Programs and many more. She has over 125 Lenders to help you or your clients get the right mortgage for their situation.
Please feel free to call Ivette or myself to discuss your mortgage options. I would be happy to answer your questions.
John D. Popp, Branch Manager
1st Metropolitan Mortgage
4608 Highway 49 S
Harrisburg, NC 28075
Phone: 704-490-4733 Fax: 704-454-5660
Toll Free: 1-888-327-8657
(1-888-FAST OKS)

Stated Income Mortgage Loans - Basic guidelines

There are very few Stated Income Loans left for borrowers who need to use them. The few programs left have very strict underwriting guidelines. Below is a list of borrower attributes that an automated underwriting engine will look at when qualifying a person on a stated income mortgage loan.
  • credit score above a 720
  • Liquid Assets must reflect stated income used to qualify
  • 6 to 12 months of reserves in the bank
  • 2 borrowers are preferred
  • 5 years with the same employer or 5 years of self employment is needed.
  • Minimum of 10% down on a purchase - the more... the better chance you have of getting approved
  • 90% LTV on a refinance is required

Even if you have all of the above positive attributes the automated engine may still not approve your request for a stated income mortgage. You will need to give a complete application so that we could run your information through the automated system to see if you qualify.

1st Metropolitan Mortgage

4608 Highway 49 S
Harrisburg, NC 28075
Phone: 704-490-4733 Fax: 704-225-9950
Toll Free: 1-888-327-8657
(1-888-FAST OKS)

Subprime Stated Income Mortgage For Refinance or Purchase

If you currently have a mortgage and have had no late payments for 18 months you can use a product we have available called the Rapid Refinance or Rapid Purchase Mortagge Loan. Rapid Refinance Information:
  • No Earned Income Documentation Required
  • 600 Min Credit Score
  • 30 /40 / 50 Yr Ammortizations Available
  • 80% Max LTV

Rapid Purchase Information:

  • Same as Above Plus
  • No Reserve Requirement
  • Your current Residence must be sold - can not rent it out.

Visit our HomePage for more of our exciting programs or click on the following to go to the page you want more information on:

1st Metropolitan Mortgage

4608 Highway 49 South

Harrisburg, NC 28075

704-490-4733