Mortgage Loan Originator and Construction Specialist
Cheryl Cloud is a Cherokee County native with a desire to serve others. With over 37 years in the banking industry, Cheryl brings understanding to each of her transactions. She has vast knowledge in construction lending to help borrowers build their dream home and loves walking her clients through the mortgage process and supporting them along the way. She is never too busy to reply to an email or a text from one of her customers.
As a result of her hands-on approach, many of Cheryl’s clients come back and work with her on their next purchase or refinance or refer her services to others. With tremendous knowledge of current mortgage program â€“ including the Construction-Permanent, VA and FHA loan programs â€“ Cheryl is always ready to meet her customers’ needs.
For the past nine years, Cheryl has been recognized as a Gold Member of the Mortgage Bankers Association. Cheryl and her husband Lamar live in Cherokee County and enjoy spending time with their three children and grandchildren.
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.All Loans
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
Secure your mortgage before even finding a property! We’ll underwrite your loan and lock in your rate before you purchase your home, giving you and potential sellers the security you need to compete with cash buyers. Ask us about our on-time closing guarantee!