Prior to becoming a Loan Officer, my experience as a processor taught me the details of what makes each loan file work. This enables me to think outside the box, anticipating issues that might arise and how to effectively overcome them so that my clients can successfully purchase a home.
Learning the ins and outs of the mortgage industry has given me the ability to adapt to the constantly changing market. I treat each buyer as an individual, listening to their needs to determine the loan program that best fits their short-term and long-term financial goals. I take time to thoroughly explain the process, and have an awesome team working to ensure every closing is “On Time and As Agreed”. We take pride in helping people realize the dream of homeownership and work hard to make that dream become a reality.
Whether you are buying a home for the first time, purchasing an investment property, looking to renovate, or refinancing your home loan, our commitment to you is to leverage our experience to navigate the complicated marketplace and find the highest quality home loan that fits your unique situation and needs. Our team is not only dedicated to finding the right loan for you, but we will also ensure you are getting some of the lowest mortgage rates available. We pride ourselves on the collaborative relationships we build, and through every branch of our lending family, you will experience exceptional quality from start to finish.
Katie Andy is on top of the process and addressed all of our concerns and questions right away. We are pleased with the overall experience and would highly recommend InterLinc.
Katie made the process so easy as always!
I'll be back!!
I would call Katie for any of my loan questions and needs. She is absolutely amazing with all she does. Her knowledge is absolutely fantastic and she always gets back to me immediately. She always made me feel like I was her only client, even though I know I am one of many. Thank you, So much Katie!!! I so appreciate you!
Our loan officer Katie Andy and the entire Andy team are nothing short of exceptional. Their timeliness, attention to detail and ability to work together cohesively and paying attention to every detail treating no loan the exact same. Is exactly why we will always continually work with the Katie Andy team!! Katie and her team are freakin’ fantastic!
Katie Andy and the entire team were thorough, quick to respond to any question, and were very pleasant to work with through our home buying experience. Would recommend using them 100%!
Katie and her team were very easy to work with and helped get us closed quickly with no hiccups along the way. I highly recommend.
Katy is the best in the business and I will continue to refer her to any and everybody that I know that is going through this process. Couldn’t ask for a better person.
Katie is wonderful to work with and I will continue to utilize her and refer her to other people looking for a lender or refinance.
Always a pleasure.
Katie was great to work with.
Katie was very helpful and helped answer all of our questions at all times.
Very professional. Always replies promptly. Great home buying experience with Katie.
I would like to thank Katie and her team, I loved the experience of working with them, they were always on top of everything, they returned my calls every time I needed some help, and they kept me informed of the process the whole time. The experience that can be very stressful was extremely good thanks to Katie and her team.
Katie and the team are excellent!
Katie’s expertise with multiple loan programs designed for teachers helped me get into the home of my dreams. Thank you!
Katie did a great job communicating with us and the portal was easy to navigate and complete the to do’s.
Katie was a pleasure to work with. She made the process simple.
Katie Andy is awesome! Not only is she knowledgeable, she is caring and truly passionate about helping people. Whether our clients buy with us or elsewhere we always have and always will continue to recommend Katie Andy and the InterLinc family.
You guys are my preferred lender already, and this transaction was especially challenging. I appreciate Katie getting my buyers through and keeping them happy and relaxed throughout.
Katie is truly amazing! Her knowledge and dedication to our clients is above and beyond. My clients and I feel truly blessed to have her on our team.
You provide excellent communication during the process. Katie did a superior job.
My refinance was a very streamlined and painless process with Katie and her team. Almost everything was completed electronically. And they were able to accommodate several scheduling issues for the final closing.
From filling out the application to signing title papers as new home owners, our experience was wonderful. A few mix ups and misunderstandings, but those were minimal and resolved within minutes. Communication is key and from the very beginning communication was at 100%.
Katie was fantastic. We were building new and it was a long frustrating experience, but she made the financial side a breeze.
Katie is extremely patient and handles all issues expeditiously.
Katie and her team consistently go above and beyond in making a transaction work. There are very few "perfect" transactions. The real measure of good service is how professionals deal with the issues that come up along the way. Katie's team are always proactive and dedicated to getting a resolution and keep the file moving. That is one of the reasons she will always be my number one lender referral.
Great communication! Best I have had from a mortgage company.
Katie was great! She went above and beyond to answer our questions as first time homebuyers.
Everyone at InterLinc was professional, caring, and knowledgeable. Katie Andy and her team went above and beyond and make the process as easy as possible and made our first home purchase a great experience. We were very fortunate to have had a great realtor and great loan officer to help us on our journey.
Katie and her team were absolutely wonderful! There was nothing they could have done any better. Calls, texts and emails were responded to promptly and all my questions were answered in detail. Katie made me feel like I was her only client and took her valuable time. I can not say enough kind things about her company!
We were very satisfied in the process of purchasing our new home...very professional and amazing communication skills .
Katy and her crew helped me through what everybody knows to be a stressful and difficult experience. Thank you so much.
The loan processing was very smooth. Katie and her team was there to answer all the questions we had even outside of office hours. The closing was done in less than a month. We are very happy with the service.
I was kept informed throughout the process, I didn't need to ask questions.
Katie was AMAZING!!!!!!!!!!...I can even say that I made a new friend through all of this!...She was my rock and a listening ear through this whole thing…and guided me along the way!!
Katie and her team made the process smooth. We appreciated the clear communication at each step.
It was a stress free process knowing that professionals like Katie and Douglas will be able to guide and supporting me throughout this process.
Katie Andy was absolutely amazing from beginning to end. This was my first time buying a house. Katie held my hand and walked me through, patiently the whole way.
Katie Andy and her team has great passion for buyers to achieve home ownership.
As always it was a pleasure to work with you and your team. You've always treated me with your utmost professionalism and respect and I appreciate you and your team for that. Whatever happens in the future, I don't foresee myself going anywhere for such business. Trust is not a given rather it's earned. I believe we both have earned each other's trust. Thank you for all your assistance and patience working with me through it all.
A conventional loan, or "traditional" loan, is a conforming mortgage that follows the guidelines put in place by Freddie Mac and Fannie Mae.
620 min FICO
Down Payment Options:
- 3% First Time Home Buyer
- 5% Primary Residence
- 20% Investment Property
- 10% 2nd Home
Max Loan Amount $647,200
A conventional 97% LTV (loan-to-value) loan is similar to the traditional conventional loan; however, this specific program allows prospective home buyers to purchase a home with only a 3% down payment. To qualify, the following guidelines must be met:
*Other restrictions may apply.
A conventional 97% LTV (Loan-to-Value) loan is an attractive option to first-time home buyers as the qualifying guidelines typically meet their home buying profile. Another benefit of this loan program is that it allows for its entire 3% down payment to come from gifted funds; however, the gift must come from a person related to the borrower by blood or marriage, or the borrower's legal guardian, domestic partner or fiance/ fiancee.
A great government-backed loan for first-time homebuyers or those with higher debt-to-income ratios. FHA loans have flexible qualifications and only require a small down payment.
580 Min FICO
Max loan amount $420,680 (can vary per county)
FHA Mortgage Loan Limits website: https://entp.hud.gov/idapp/html/hicostlook.cfm
Minimum Required Investment (MRI) of at least 3.5 percent of the Adjusted Value.
1.75% UFMIP (Up Front Mortgage Insurance Premium)
.85% MIP (Monthly Insurance Premium)
A VA loan is a mortgage option, guaranteed by the Department of Veterans Affairs, for Veterans who meet the VA's guidelines for military service. VA loans offer low upfront costs for Service Members, Veterans, and eligible surviving spouses.
*To determine your eligibility to participate in this program, just provide your Certificate of Eligibility (COE) or your Discharge/Separation form (DD214). If you do not have your COE, you can request one using form 26-1880.
600 Min FICO
VA Funding Fee - The veteran pays a funding fee to help defray costs of the VA Home Loan program.
VA Funding Fee Table: https://www.benefits.va.gov/homeloans/documents/docs/funding_fee_table.pdf
VA Funding Fee may be rolled into the loan amount
USDA Loans are available to millions of eligible primary home buyers with low to moderate incomes. For homes located in an approved rural area as defined by the USDA. USDA Income and Property Eligibility Site: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
This mortgage option was developed to promote the purchase of homes in rural areas with low mortgage insurance. USDA Loans are backed through the Rural Housing Division of the U.S. Dept. of Agriculture.