Server: Netscape-Enterprise/2.01 Date: Thu, 18 Dec 1997 13:09:31 GMT Accept-ranges: bytes Last-modified: Wed, 08 Oct 1997 20:35:34 GMT Content-length: 4575 Content-type: text/html Wachovia Wachovia

Financial sidebar


header

Home Loans

What's more important than where and how you live? Is there any investment more important than the home you buy? Yet, is any purchase more emotionally charged? We are here. To offer innovative thinking and a consultative, "custom-fit" approach to financing your home, whether it's your first or your 10th home purchase, a primary residence, second home or investment property, a new mortgage or a refinance.

We can offer you more attractive choices than you may have thought possible. And with laptop access to information and resources, a Wachovia Mortgage Loan Consultant can take your application on-line (often from the comfort of your home or office) and can often give you a firm commitment on the spot.

By expediting the approval process, we can speed up your closing and put you in a better negotiating position with your seller. We can also show you how you can save money by choosing the right mortgage program for your individual situation. Your Mortgage Loan Consultant can help you decide which approach is best for you, drawing from our more than 25 loan programs.

Talk to us. You'll find us wherever you are in the Carolinas and Georgia--and in some parts of Virginia and Florida--or contact us by phone or e-mail and we'll help you get started.

Why Wachovia?

  • Wachovia can give you a decision when you apply for your loan through Wachovia Decision Nowsm (with limited documentation and information).
  • Wachovia can "custom-fit" the loan that's right for you, drawing from a wide variety of programs.
  • Wachovia offers companion equity lines you can close with your mortgage with no additional closing costs.
  • Wachovia offers you various rate lock in options.
  • Wachovia will pre-qualify you to help you find an affordable price range when you begin to look for a home.
  • Wachovia lets you "buy down" your mortgage to get a lower rate by paying discount points.
  • Wachovia provides an escrow account for taxes and insurance so you don't have to worry about lump-sum payments. Escrow-free accounts are available in some instances.
  • Wachovia offers you special discounts on more than 10 financial services when you apply for a home loan, such as no monthly maintenance fee checking, no annual fee safe deposit box and no annual fee VISA®/MasterCard ®.


All loans are subject to credit approval, acceptable collateral and available equity. Wachovia Mortgage Company loans are available to residents of North Carolina, South Carolina, Georgia, Florida and Virginia. You may apply for a checking account from Wachovia Bank, N.A. Wachovia Bank, N.A. is a member FDIC. Equity BankLine® accounts and safe deposit boxes available through Wachovia Mortgage Company's bank affiliate, Wachovia Bank, N.A., in North Carolina, South Carolina and Georgia only. Credit cards are issued by Wachovia Bank Card Services, Delaware. Equity BankLine accounts: $5000 minimum line size. As of September 15, 1997, North and South Carolina APRs range from 9 percent to 11 percent and Georgia APRs range from 9.5 percent to 10.5 percent depending on the line size and may vary. Maximum APR is 18 percent. Property insurance required.


wachovia

News | Personal Solutions | Business Banking
Services for Corporations | About Us | Home