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John Schmidlin
Branch Manager NMLS# 69847
720b Norwood St SW, Lenoir, NC 28645
Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Conventional
A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
FHA
If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
Manufactured homes
Manufactured or CrossMod homes feel just like traditional, site-built homes. Fannie Mae’s MH Advantage® or Freddie Mac’s CHOICEHome programs create more flexible, affordable and innovative home options if you’re interested in purchasing a custom manufactured home with the look and feel of a traditional home. These can include many of the same amenities like garages, car ports, porches, decks and more.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
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Testimonials
Amazing amazing amazing service! John and his team are the best they made the buying process for me so easy! John is patient yet thorough! I would highly recommend guild mortgage to everyone!
John Schmidlin really made life easy when applying for a mortgage on our primary home and then our recent investment property. He communicates well. UHM's online system is fast and easy to use.
John and his team were excellent in helping me buy my first home! Anytime I had a question, the team was always quick to respond, which was very helpful. I will definitely use John for any future homes I purchase. Thank you John for all your help!
John and has team were absolutely amazing! He helped us with our loan so we could move back to NC from FL. We were amazed at how great he was. Even when he was out of town on vacation he took time to talk to me, get some paperwork sent to real estate agent and get some things completed quickly so we could put offer on our home before anyone else did. He made sure to get us a great rate on our loan. And even though we are now in our new home and John has officially completed his duties he continues to answer any questions we have. We are truly thankful and grateful for everything they did for us!! We were able to be in our home for Christmas!!
We would like to say thank you to our AmeriFrist family. We greatly appreciate the kindness, dedication and hard work that was put into getting us through this process. If you are looking for home, I would highly recommend calling John at AmeriFirst Home Mortgage. John and his associates will definitely put the work in to putting you into your dream home. God bless you and thank you once again.
Shout out to #TeamAmeriFirst Mortgage John and Holly We could not have done it without your help, support and above and beyond the call of duty customer service! From start to the finish at closing table,John and Holly you guys are awesome and words can't express our appreciation for all of the Help and compassion for my Mother, you guys to made my Mom's dream of Home ownership a reality. And for that we want to say Thank you from the bottom of our hearts. You John and Holly are more than an asset to Amerifirst Mortgage! We can't Thank yall enough! John and Holly you two rock!! May God Bless yall for helping God's people.....
NMLS ID #69847
I am authorized to do business in the states of North Carolina, South Carolina and Tennessee.