Michelle Phillips

NMLS # 257767

757-366-8690

mphillips@tidewaterhomefunding.com

Michelle Phillips Senior Mortgage Advisor

smartARM *Only 5% Down, Up to $750,000, NO MI

smartARM *Only 5% Down, Up to $750,000, NO MI

Adjustable Rate Mortgage program for primary residences. Qualify at the start rate plus no mortgage insurance equals more buying power. Local in-house underwriters providing excellent and timely customer service.

• 5/5 or 10/5 ARM products, with fixed rate for first 5 or 10 years
• NO mortgage insurance (MI) up to 95% LTV
• Available for Purchase, Refinance (Rate/Term or Cash Out)
• Owner Occupied and 2nd Home

*The above are general guidelines. Additional restrictions and loan qualifications apply. Tidewater Home Funding reserves the right to discontinue loan programs at any time. Please call for more details. Tidewater Home Funding is licensed in Virginia, North Carolina & Florida. NMLS# 41552 (www.nmlsconsumeraccess.org). Equal Housing Lender.