Window Shopping?

With many options, Zachery and his Team have the right mortgage loan products for you!

(828) 348-1907

Mortgage loan products come in many flavors.

While some lenders push specific mortgage loan products because it’s best for them, GoPrime Mortgage, Inc. takes the time to find the mortgage that’s best for you. Review the short descriptions below of the many mortgage loan products offered by GoPrime Mortgage, Inc. If you have questions or are ready to start your application, get in touch with Zachery Adam and his Team.

Below you will find information on GoPrime Mortgage, Inc. Mortgage Loan Products :

  • 100 Percent Finance Options
  • Affordable Homebuyer Programs
  • Down Payment Assistance Programs
  • Refinances
  • Modular Home Financing
  • Debt Consolidation
  • Conventional Loans
  • Jumbo Loans
  • Investment Property Purchases
  • FHA Loans
  • Adjustable Rate Mortgages
  • Mortgage Credit Certificates (MCC)

Also learn more about our amazing One Time Close Construction Loan product. For any questions or more information about any of our Mortgage Loan Products, contact Zachery Adam and his Team at GoPrime Mortgage, Inc.

I don't want to pay a down payment. - 100 Percent Finance Options
100 Percent Finance Options

This mortgage loan products, you don’t need any down payment. If you qualify, take advantage of these programs to buy your first house. Two examples of mortgages that require no down payment are VA loans and USDA loans. Talk to your independent mortgage lender about the benefits of these mortgage loans.

Speak with an Expert

I am a first time home buyer. - Affordable Homebuyer Programs

First Time Affordable Homebuyer Programs.

If you’re a first-time homebuyer, GoPrime Mortgage, Inc. can get you the best deal on a loan. Many mortgage loan products programs are designed to help first-time homebuyers, and your loan officer will find the one that best fits your situation. Here are some examples:
• Mortgages like FHA loans and USDA loans require little or no down payment.
• Government-guaranteed programs like VA loans and FHA loans can help you overcome past credit problems.
• You can take advantage of mortgage credit certificates (MCC) to get tax credits.

Speak with an Expert

I need help with my down payment. - Down Payment Assistance Programs
Down Payment Assistance Programs

The U.S. government has put many programs in place to help first-time homebuyers. Down payment assistance programs can help you overcome the biggest hurdle facing most would-be homeowners: the money needed to start the process. VA loans, FHA loans andUSDA loans are examples. But there are other programs that can help:
• Grants are available to cover closing costs and down payments. The specific grants are county-specific; please ask Zachery Adam for details.
• In Western North Carolina, you can get assistance from Mountain Home Opportunities (MHO).
• If you qualify, you can seek help from the NC Housing Finance Agencya state agency.

Speak with an Expert

I want to lower my mortgage payments. - Refinances

Once you’ve built up some equity in your house, you can refinance your mortgage to access some of that equity. Keep in mind you’ll accrue the same type of fees and costs as with any other mortgage, but there are many good reasons to refinance:
• Take advantage of a lower interest rate.
• Reduce your monthly mortgage payments.
• Use the equity to pay off other debts (see debt consolidation loans).
• Pay off your house more quickly by refinancing with a 15-year mortgage.
• Use the equity to pay for house repairs and upgrades.
• Pay for your children’s college tuition. Or your daughter’s wedding.
• Purchase an investment property or a second home.

Speak with an Expert

I want to buy a modular home. - Modular Home Financing
Modular Home Financing

A modular (or prefab) home is not a manufactured (or mobile) home. Modular homes are not built on-site, which is the definition of a “stick-built” or traditional home, but they also are not built with axles and wheels. A modular home is assembled at a site on a permanent foundation. Modular homes cost a lot less than stick-built homes, but mortgage loan products are still available. Benefits include:
• You can get a loan to build a new modular home. Once the home is built, the loan becomes a regular mortgage.
• FHA and VA loans are available to help you purchase a modular home in some instances.

Speak with an Expert

I want to pay off my credit cards.- Debt Consolidation
Debt Consolidation

If you’ve built up some credit card debt, it likely comes with a very high interest rate: as much as 16 percent or more. If, however, you’ve been living in your house for some time, you’ve also built up equity in the property. Rolling your credit card debt into your mortgage has some advantages:
• Since your mortgage carries a much lower interest rate (sometimes 10–15% lower), you’ll save money.
• You’ll lower your monthly payments if you consolidate your credit card debt into a new 30-year mortgage.
• These loans are especially valuable for people who have had one-time expenses.
• You can claim tax deductions on mortgage interest, but not on credit card interest (consult your CPA or tax accountant).

Speak with an Expert

I am actively serving in the Military or a Veteran. - VA Home Loans
VA Loans

The US Department of Veteran Affairs (VA) helps veterans, active duty service members and eligible surviving spouses get mortgage loans through a lender. You need a veteran’s certificate of eligibility and a VA-assigned appraisal to qualify. Benefits include:
• VA loans offer100% finance option, eliminating the need for a down payment.
• Lenders are encouraged to relax credit requirements.
• VA loans do not require monthly mortgage insurance since the government guarantees the loan.
• Often, you can get lower interest rates with a VA loan.

Speak with an Expert

I want to live in a rural area. - USDA Loans
USDA Loans

Sometimes referred to as “rural housing loans” because the loans are guaranteed by the U.S. Department of Agriculture, USDA mortgage loans are perfect for first-time homebuyers. USDA loans have to be used for your primary residence, not a second home, and you have to meet the eligibility requirements. Here are the main benefits:
• USDA loans do not require any down payment.
• You can finance up to 100 percent of a home’s value.
• USDA loans are restrictive in certain areas (get details)
• You may qualify for lower mortgage insurance premiums (PMIs).

Sometimes referred to as “rural housing loans” because the loans are guaranteed by the U.S. Department of Agriculture, USDA mortgage loans are perfect for first-time homebuyers. USDA loans have to be used for your primary residence, not a second home, and you have to meet the eligibility requirements. Here are the main benefits:
• USDA loans do not require any down payment.
• You can finance up to 100 percent of a home’s value.
• USDA loans are restrictive in certain areas (get details)
• You may qualify for lower mortgage insurance premiums (PMIs).

Speak with an Expert

I am buying a second home. - Second Home Purchases
Second Home Purchases

Buying a second or vacation home requires that you qualify for a mortgage loan in addition to your primary residence. Consider the implications of owning a second home — such as taxes, insurance and maintenance. But if you can meet the requirements and have a 10 to 20 percent down payment, you can find favorable terms and benefits:
• An independent mortgage lender has tools and products geared specifically for second home buyers.
• You can find favorable loans, such as jumbo loans

Speak with an Expert

I am buying a manufactured home. - Manufactured (Double-Wide) Financing
Manufactured (Double-Wide) Home Financing

You may find it difficult to get financing for a manufactured home or “double-wide” home, since many banks don’t offer loans for these homes. However, you can get an FHA or VA loan to cover the costs of buying a manufactured home, as long as you meet some conditions:
• The house has to have a permanent foundation.
• The house has to be built after June 15, 1976, and has to be at least 400 square feet.
• USDA loans are available, but only for brand new manufactured homes and double-wides.

Speak with an Expert

I am buying a house that needs repairs. - Renovation Loans

Renovation Loans

Known as FHA 203k loans, these mortgages help you pay for home renovation projects. They are not lines of credit that you can use for any purpose. If you take out a renovation loan, you have to prove that you’re using the funds on a renovation project. That’s due to one of its primary benefits:
• Your loan amount is based on the upgraded value of your house after the renovations are complete.
• These mortgage loans are perfect for people who want to buy a house to rehab it.
• With this mortgage, you don’t receive the money all at once; the funds get doled out as needed, paid to the contractor doing the work. The lender holds the money in an escrow account, keeping the contract and borrower safe.

Speak with an Expert

I want my monthly payments to stay the same. - Fixed Rate Mortgage Loans
Fixed Rate Mortgage Loans

The most popular mortgage loan products by far, fixed-rate mortgage loans have a set interest rate that doesn’t change over the course of the loan. Most fixed-rate loans have a set length of 15 or 30 years. Some benefits of a fixed-rate mortgage include:
• Your monthly payments never change.
• It’s a “safe” loan, meaning it’s free of surprises.
• You can lock in 40-year low interest rates for long-term security.

Speak with an Expert

I have a good credit score. - Conventional Loans
Conventional Loans

Conventional loans are ideal for well-qualified purchases, second homes or investment properties. You must have a good credit score, meet a minimum income threshold and be ready to plunk down 3–20 percent for the down payment. But these mortgages offer good benefits:
• Conventional loans have fewer restrictions than other loan types.
• They’re excellent options for second homes, vacation homes or investment properties.
• Conventional loans require no upfront mortgage insurance premium (PMI) or funding fee.

Speak with an Expert

I am buying my luxury dream home. - Jumbo Loans
Jumbo Loans

If you’re ready to buy your dream house or a luxury second home, you may need to borrow a larger amount of money than your average homebuyer. With a Jumbo loan, you can borrow more to buy or refinance a home. Here are some Jumbo loan benefits:
• Since conforming mortgage loans are limited to $417,000 in the continental U.S., jumbo loans provide a great alternative if you need more than that.
• It’s easier to apply for a jumbo loan than it used to be because they are more in demand.
• Your independent mortgage lender has several types of jumbo loans to offer you.
• A jumbo loan refinance can save you money on your monthly mortgage payment.
• The best benefit of all? You’re buying a beautiful home.

Speak with an Expert

I am buying an investment property. - Investment Property Purchases
Investment Property Purchases

Investment properties can include everything from single-family homes to 1–4-unit buildings and condos. It’s always wise to do your research before you buy to learn about the expenses. Benefits include:
• When investing in real estate, decide if you want a short-term or long-term investment. This decision will drive other decisions.
• You can gain a diversified portfolio of assets that includes real property.
• You can leverage the rents to pay down the mortgage while building equity in an appreciating asset.

Speak with an Expert

I want a low down payment. FHA Loans

FHA Loans

Many mortgage loan products which are well suited for first-time homebuyers, FHA loans have more relaxed requirements than conventional mortgages. In some cases, you can have a recent bankruptcy in your past and still qualify for a loan. Protected by the Federal Housing Administration, these loans may be attractive to first-time homebuyers for these benefits:
• Down payments for an FHA loan may be as low as 3.5% of the purchase price, not 20% or more.
• You can use a monetary gift for your down payment and closing costs.
• You can get either fixed or adjustable interest rates with a FHA loan.
• FHA loans may be streamlined, so you need less paperwork, simplifying the process.
• Grants and down payment assistance programs help you cover closing costs.

Speak with an Expert

I want to build equity in my home fast. - Adjustable Rate Mortgages
Adjustable Rate Mortgages

Also known as an ARM, this mortgage type has an interest rate that can vary with market changes. Typically, the rate starts low for the first five-to-seven years. The interest rate is capped at a certain point. These mortgages are not recommended for first-time homebuyers. Benefits of an adjustable-rate mortgage include:
• You can save a lot of money if you plan to pay off the mortgage within the first 5-to-7 years.
• This type of mortgage allows you to build equity faster than with a fixed-rate loan.
• An adjustable-rate mortgage improves your monthly cash flow.

Speak with an Expert

I want to claim my mortgage interest - Mortgage Credit Certificates (MCC)
Mortgage Credit Certificates (MCC)

In North Carolina, if you qualify, you can claim up to 30 percent of your mortgage interest (up to $2000 a year or $166.66 a month) on your federal taxes. Administered by the NC Housing Finance Agency, the MCC program is for first-time homebuyers only. Benefits of this program are obvious:
• You can save up to $2000 every year on your taxes, leaving you with more money for other things.
• You can still use the remaining 70 percent of interest paid as a tax deduction.
• Your lender issues an MCC, but you have to claim them on your taxes. Don’t forget!

Speak with an Expert

Also learn more about our amazing One Time Close Construction Loan product. For any questions or more information about any of our Mortgage Loan Products, contact Zachery Adam and his Team at GoPrime Mortgage, Inc. .

GoPrime Mortgage, Inc

Contact Info

862 Haywood Road Asheville, NC 28806


Explore Your Options

As a first time homebuyer, you may believe that you have to get your loan through a bank or credit union. But that’s not the case. An independent mortgage lender often provides more options than a bank can. Shop around. See who gives you the best deal on a mortgage loan that’s right for your circumstances. You may be surprised.

Get Pre-Qualified

Getting pre-qualified for a mortgage loan is the best first step to take when you want to buy your first home.

Mortgage Calculator

To get a quick, down-and-dirty — and completely unofficial and nonbinding — idea of what your monthly mortgage payment would be based on the cost of a house.

16 Mortgage Tips

Get good, professional advice for what to do and what not to do when you’re seeking to buy your first home.

Mortgage Document Checklist

When applying for a mortgage loan, you may need reams of financial records. Or not. It’s different for everyone. Here is a complete list to give you an idea.

Frequently Asked Questions regarding Mortgages

Everyone has questions when it comes to buying a house and applying for a mortgage loan. This page answers the most common questions people have.

Homebuyer’s Guide

Law requires that you be provided with this monstrous document when you apply for a loan. Here is a helpful summary of its contents.

Mortgage Glossary

As you explore down the rabbit hole of mortgage loans, you inevitably will find terms and acronyms that you don’t understand. Look here for help.

Mortgage Loan Products

GoPrime Mortgage, Inc. offers a wide range of mortgage loan types. To understand the differences, read this page and then talk to Zachery Adam and his Team.

Make the best decisions

Most First Time Homebuyers believe the process goes something like this:

1. Start looking online at houses to see what’s available and to research neighborhoods
2. Contact a Realtor through a friend or family member
3. Walk through a bunch of houses with the Realtor
4. Pick the house you love the best
5. Make an offer on that house
6. Apply for a mortgage loan at your bank or credit union

The best decision, however, starts with the last step. Before you even start hunting for that perfect house, get pre-qualified or even pre-approved, which do two very important things:

1. Getting pre-qualified by an independent mortgage lender speeds up the mortgage process.
2. Pre-approval lets you know exactly how much house you reasonably can afford.

Once you’re pre-qualified, you’ll have a better idea which houses fit your budget. You’ll be better able to direct your real estate agent to those houses that fit your criteria. As a first time homebuyer you will have a more realistic vision of your immediate future.

There’s no cost and no obligation, and Zachery loves meeting home buyers face to face.

You can call Zachery Adam at GoPrime Mortgage, Inc. at 828-348-1907 or contact him online – – to talk about which mortgage loan is best for you.

Get in Touch

(828) 348-1907

Open Hours

9am – 5pm Monday – Friday

Our Office

862 Haywood Road
Asheville, NC 28806

What we Do

Contact us if you…

Zack is a great resource, making him a great place to start your journey to a new home.

Teona Rodriguez

Teona Rodriguez


“I wake up every morning with incredible appreciation. I love what I do.” 

Daniel Priest

Daniel Priest

Loan Officer

He likes to work with clients new to the homebuying process. Remembering what it was like for his family, he can take his knowledge of the mortgage industry and make that process easier.

Pin It on Pinterest