Ken Krick specializes in bringing people to the next plateau whether that is ownership of your first home investment property or the purchase of a home for future retirement and/or vacation. Mortgage lending has become increasingly complicated and he works to make the process simple and pleasant for the borrower. He utilizes as many technology tools as he can to streamline the paperwork. Ken's application package is computer generated with your input and he communicates with you via E-mail throughout most of the process. Of course, we can still use the good old telephone if you dont have access to a PC and modem. Call Toll-Free 888-BANKNAT.

Ken's pledge is to bring your plans and dreams to reality, whether big or small, simple or unique, difficult or complicated. The following is a list of some of his widely utilized programs for purchasing investment property on the Outer Banks:

• 100% Emerging Markets Program
• 100% RHCD Program
• 95% Second/Vacation Home Financing
• 90% Rental Property Programs-use rental income to qualify
• 90% Cash-Out Refinancing
• 95% Rate or Term Improvement Refinancing
• No Income Verification and No-ratio programs
• True No-Doc Programs (no employment or asset verification)
• Jumbo Loans to $6,000,000
• Fixed Rate Home Equity Loans

Ken Krick, Mortgage Consultant with Carolina State Mortgage

100 East Dune St. • Milepost 13 Rt 158 • Nags Head, NC 27959

252-441-8333 • Fax 252-441-9335 • Toll-Free 888-BANKNAT