Outstanding NEW Price at Southwest Plantation

The Blue Ridge, built by American Homesmith will welcome you home everyday with elegance and charm. This home has a view of the 8th green, fairway and pond at Bear Trail Golf Club. Give us a call today to schedule a tour of this gorgeous home and all the amenities that Southwest Plantation has to offer you and your family. 

With the great NEW price of $247,000 this home will definitely put a smile on your face. 

Per Diem Income

Can per diem income be used on your mortgage loan?

This question is as answered on a case by case basis. Generally per diem is given a reimbursement of expenses. In this scenario, the income cannot be used for qualifying for a mortgage. When speaking with a lender, it is very important to distinguish up front how the per diem is paid. Lenders look at the following:

1. Is it a reimbursement of expenses?
2. Is it steady income every pay period?
3. Is it expected to continue?

Contact me today for more information!


Danielle Hifko
New American Mortgage
910-581-6398

Why? Here is Your Answer.

Why do mortgage companies ask for so many items? Here is an explanation of why they need specific items!

-Bank statements – It is usually required to provide two months of bank statements

                  1. Review average balances – if your account shows $100 average but your monthly payment is increasing $200, this is a red flag

                  2. Look for any large deposits – deposits that are not direct deposit payroll must be verified over a certain amount to make sure you have not borrowed money to help qualify

                  3. URL/Teller signature and stamp – this is often required to help validate the statements

                  4. Full account numbers – to match accounts up to your name

-Paystubs with Year-To-Date Income – to verify how much you have earned all year – your pay could be $15.00/hour, but by having the year to date income we can see that you have not missed a significant amount of work throughout the year.

-Divorce/Separation/Child Support paperwork – we need to insure what alimony or child support is being received or distributed.  This is a vital part of the approval process because it can affect the outcome of the approval. 

-Awards letter for retirement/disability/social security – even though we will see it deposited monthly into the bank account, we still need the awards letter to verify the true award amount being given.

Contact me today for more information!

Danielle Hifko

New American Mortgage

910-581-6398

3 Move-In Ready Homes Available with More Coming SOON!!!!

Currently there are 3 move-in ready homes available. The Blue Ridge is a 4 bedroom, 2.5 bath with 2 fireplaces and 2,500+ sq. ft for the amazing NEW price of $263,000. The Beal St. has 3 bedrooms, 2.5 baths and a cute loft area upstairs perfect for a reading area/study, kids play room, tv room, etc. Use your imagination and make it what you want it to be! The Beal St. is 1,700+ sq. ft. for only $176,000. Finally the third move-in ready home available is the open concept floor plan of the Cardinal that has 3 bedrooms, 2.5 baths and 1,500+ sq. ft. for $180,000. All three homes are constructed by American Homesmith.

Keep your eyes open for the new floor plans and move-in ready homes that are coming soon built by all three of our preferred builders, American Homesmith, 70 West Builders & VA Builders.

If you would like to tour any of these three homes or sit down and review the upcoming floor plans and other options available here at Southwest Plantation give us a call at (910)346-1227 or visit our interactive Neighborhood Map on SouthwestPlantation.com.