Fany Miranda works under NMLS 1411878. Two kinds of calls find her quickly: a sales office has already written a lender credit on a whiteboard, or someone is shopping a corridor that starts near Lake Norman in Huntersville, drops through Waxhaw and ends in Indian Land, South Carolina. Charlotte and Concord appear on her calendar as well, along with files on the west side of the metro.
Her number is (704) 491-4114. Mail goes to fany@firstadvantagemortgage.com. Wholesale comparisons for her files are run by the brokerage in suite 1933 inside the 128 South Tryon building.
Three towns, three sets of rules, one stretch of road
Huntersville is northern Mecklenburg County. Waxhaw is Union County. Indian Land is Lancaster County, South Carolina. Houses along that line can look related and still differ in the tax bill, the school system and the attorney who will handle signing. Fany opens with that geography because it changes the monthly stack and the contract dates you can safely promise a seller.
If a finished Huntersville house and a still-to-be-built Indian Land house are both in play, send both addresses in the first note. She would rather line up taxes and program fit before a due diligence clock starts than rebuild the file later. Background for each stop lives on the Huntersville, Waxhaw and Indian Land guides.
Treat the builder credit as a number, not a favor
Sales offices often present an incentive that looks generous until you see the rate, points and fee line that come with it. Fany asks for that credit in writing, then prices the same loan through wholesale channels the firm already uses. Sometimes the builder’s path wins once everything is visible. Sometimes the advertised credit is more expensive than it looks after the rate and fees are included. Either answer belongs on paper before you sign an addendum that is hard to unwind.
Unfinished houses add other moving pieces: an appraisal that must treat a home that is still going up, a completion date that weather can slide and a lock period that has to survive those delays. Tell her at the outset if you are looking at vertical framing rather than a finished resale. She also coordinates with agents, not only builders; the shared need is a calendar everyone can defend.
Resale purchases and the refinance side of her desk
Not every file Fany sees is new construction. She originates resale purchases and refinances, including FHA, VA and conventional structures and first-home financing when those fit the buyer. Occupancy comes first. A primary residence is documented differently from one you plan to rent.
Military households can review the VA guide and then request that she include that option among the first quotes, instead of adding it after an offer is out. On a refinance she cares about total cost and about how long you expect to keep the house, not only about the rate on the screen. A payment that looks lighter for a year can still be a poor trade if you plan to move before the costs are recovered.
Because the company is a brokerage, she is not stuck inside one institution’s product list. You still close with a named lender. You simply get more than one way to structure the same address.
What to attach when you first write her
Call (704) 491-4114 or email fany@firstadvantagemortgage.com. If a builder already quoted an incentive, attach the quote. If the choice is between a finished Huntersville house and a house that does not exist yet in Indian Land, say that in the opening line. The profile field on this page reaches her directly.
Enter 1411878 in the NMLS Consumer Access search field to see her personal listing. Enter 2468711 for the brokerage listing. Use her listing, especially if the property sits in South Carolina, before you spend time on a full application.
The licensed roster is on our team page. If Fany is with another client and you need the firm, use the contact page.
The packet she wants from a sales office before she runs numbers
When a builder is involved, Fany asks for more than a headline credit. She wants the incentive in a document you can forward, a sense of the production schedule and enough specification detail for an appraiser to understand what is actually being built. A credit that looks large on a whiteboard can shrink once you see whether it applies only if you use the preferred lender, only if you close by a certain date or only if you buy certain upgrades.
Lock timing is the other new-construction trap. A house that is months from completion can outlast a lock that was priced for a resale closing next month. Fany talks through that tension early so you are not surprised if an extension costs money or if waiting to lock is the cleaner plan. Weather, municipal inspections and back-ordered finishes all belong in that conversation, even though none of them appear on a Loan Estimate.
If you are choosing between a finished resale in Huntersville and a to-be-built home in Indian Land, tell her what you would give up in each direction: a known house versus a known wait, Mecklenburg taxes versus Lancaster County taxes, a North Carolina contract versus a South Carolina one. She will price both pictures rather than cheering for whichever listing photo you sent first.