Delivering Superior Service and mortgage options. Mortgage products including Conventional loans, VA/FHA, VHDA, Jumbo, VA JUMBO and Construction Permanent Financing. Call or email me to PRE QAULIFY
Get to know Kim Niccum
A RELATIONSHIP THAT GOES THE EXTRA MILE... Buying a home is one of the most exciting - and one of the most important - transactions you will ever undertake. During this time there are many decisions you need to make and I am here to assist you in making them. I will guide you through the process and answer any questions you may have. Together we will determine which mortgage program and products are right for you. I have worked in the Williamsburg area for over 10 years and am a Peninsula native so I am familiar with the local real estate market. Having built three homes of my own, I am very familiar with the construction to permanent financing process. My goal is to make sure that you, as a homebuyer, understand the many financing options available. In particular, I am experienced in government, VHDA, and first time homebuyer financing.
New Towne Mortgage is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. New Towne Mortgage is dedicated to providing the personal experience that you expect from a hometown bank with the most advanced technology available to offer affordable loans, quick processing and exceptional service. Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. New Towne Mortgage mortgage loan officers live in your communities and know the area. Our professional experience and solid business relationships with local Realtors®, builders, and appraisers are assets to TowneBank and potential homebuyers. New Towne Mortgage offers a wide array of loan programs to provide you with the best possible fit for your needs. Here are a few of the mortgage programs that we offer: Conventional Jumbo Interest-Only Adjustable Rate Mortgage (ARM) Construction/Permanent FHA (Federal Housing Administration) VA (Veterans Administration) VHDA (Virginia Housing Development Authority) Bridge Loans Lot Loans Buydowns