Christine Santos
Branch Manager and Construction Specialist
About
With over 20 years of experience, Christine is a leader in the real estate finance industry. Christine has a passion for helping first-time homebuyers and is proud to specialize in first-time homebuyer programs and government lending options. Christine shares her unique talents with others and strives to build long-lasting relationships with the many families she has helped.
Christine is an advocate for affordable, sustainable homeownership opportunities for underserved communities. She believes homeownership is the foundation for economic prosperity and community stability. Christine’s hard work has been recognized by multiple organization, including the 2009 Manager of the Year Award, 2013 President’s Club Award, 2015 Circle of Excellence, 2016 Mortgage Bankers Association of the Lower Cape Fear (MBALCF) Vice President, 2017 MBALCF President, and the 2019 Mortgage Bankers Association of the Carolinas (MBAC) Board of Directors for North Carolina. Christine continues to serve on multiple boards within the industry, including the Mortgage Bankers Association (MBA) State Relations Initiative Committee, State MBA Executives and Managers, and MBA mPact Steering Committee-Residential.
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 LoansConventional
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.
FHA
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.
Construction-Permanent Loan
With as little as 10% down, we can help you build a new home or renovate/improve an existing one. Our Construction-Permanent program streamlines your experience with only one closing for both the construction and permanent phases of your loan.
HomeReady® Mortgage
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.
What My Clients Say
