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Kim Myers

Sr Loan Officer

NMLS ID: 88920

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and craft a mortgage that’s custom-fit for you.

Kim Myers

3420 Toringdon Way

Charlotte, NC 28277

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I have been a lender for over 25 years. I am proud to use that experience and hard work as a loan officer to provide clients with quick pre-approvals, strategies for the most appropriate mortgage program, and heartfelt solutions. Obtaining a mortgage is an important event, so whether it is your first home, second home, or investment property, my goal is to take you through the process seamlessly, close on time, and provide you with exemplary service along the way. Flagstar Bank and I, together, want to earn your trust and your business.

 

I was born and raised in Northern Michigan and currently live in North Carolina. I am married and have seven grandchildren. I love the great outdoors and enjoy spending as much time as possible hiking, at the lake, or barbecuing in the back yard. I am located between the Carolina mountains and beaches, and am pleased to serve the Carolinas as well as Tennessee, Virginia, Georgia, and Florida.

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • English
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Today's Rates

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A mortgage expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

 

1Rate as of 1/22/2018 10:08 AM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,000 with 360 monthly payments in the amount of $1,169. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 1/22/2018 10:08 AM ET. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,000 with 180 monthly payments in the amount of $1,720. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  1/22/2018 10:08 AM ET. The APR calculation is based on a 7/1 adjustable-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,000 with 360 monthly payments in the amount of $1,129.  Payment amount does not include taxes and insurance which means your monthly obligation will be greater. With an adjustable-rate mortgage (ARM), your 7/1 loan will have an initial fixed-rate period of 72 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset.  Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.  Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

4Rate as of  1/22/2018 10:08 AM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,000 plus 1.75% FHA funding fee with 360 payments in the amount of $1,131. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.