South Wind Financial Makes it Happen for AN&A Clients

We know that it’s not only the desire to buy a home that is needed to do so. From time and money, we are stressed to the edges of our abilities to reach such lofty goals as home buying. This is why our team of 7 at Aliesha Noonan & Associates aims to make the process from dreaming to SOLD easier at each turn.

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Working with competent and passionate partners in the industry, such as Byron Kirk at South Wind Financial in Johnston, Rhode Island, assist us in our mission to bring you the best service from your first internet searches to the closing table.

As a simple breakdown, let’s highlight South Wind Financial’s products:

 

  1. Standard FHA with Elite pricing – A standard FHA Purchase (or refinance) loan but we have elite pricing on credit scores over 640.  A minimum credit score of 620 for the standard FHA purchase and 3.5% down payment are requirements.  FHA loans are easier to qualify for than a conventional loan.
  2. Specialty FHA loans – This is an FHA loan (purchase and refinance) for credit scores between 580-620.  The interest rates are higher but can be streamlined to a lower rate after 6 on time mortgage payments.  There several important guidelines –  Debt Ratio and 3 months of mortgage payments in bank after closing as reserves are the most important.
  3. NEW – 1.5% Down FHA loan.  This is a FHA purchase with down payment assistance.  This is a standard FHA loan with a 3.5% down payment, and as long as you qualify, a 2% down payment gift assistance, lowering the borrower’s down payment to just 1.5%.  Standard FHA guidelines apply and rates are vary according to credit score.
  4. Standard conventional loans – This is a regular conventional loan with down payments down to 5%.  Minimum credit score is 620, however better rates are awarded for credit scores above a 680.
  5. NEW – Special Conventional Program for loan amounts up to $679,000.  This is a special pilot program.  The program allows for a loan amount up to $679,000 to be considered a standard conventional loan as long as the borrowers have 720 fico scores and are putting 20% down.  This is huge benefit.  The loan amounts from $417,000 to your county’s loan limits are considered high balance and loans above the county loan limits are considered jumbo loans.  Both high balance and jumbo loans have higher interest rates and separate guidelines.  With this program, as long as it meets the requirements, any loan up to $679,000 is considered a standard conventional loan!
  6. NEW – 1% down Conventional Program – This program is a HomeReady or HomePossible program with a 3% down payment however the lender is giving the borrower a gift of 2% or 5,000 whichever is less towards the down payment.  Loan must meet all the HomeReady or Home Possible guidelines.  Yes, there are income limits, but let us do the checking!
  7. USDA loans – This loan is 100% financing for properties located in rural areas.  The key to these loans is to know there are income limits based on the income of the entire household not just the borrowers on the loan.  The lenders will take into consideration everyone’s income that is going to live in the house.
  8. VA loan – This loan is 100% financing for veterans. The VA guidelines are very forgiving and you can close them fairly quickly.  The key to these loans is the appraisal must be ordered as soon as possible as it is ordered through the VA and they can often take more time to complete.

South Wind Financial’s closings average 25 days with some purchases being cleared to close with 15 days of submission.   The only exception is USDA loans.  They take slightly longer because the USDA themselves actually reviews each file prior to a clear to close.

We truly hope this helps you understand that there is no one loan or product out there. South Wind Financial offers many options to assist you in achieving your home owning dreams. For more information and questions about how to get started, please call Byron Kirk, Branch Manager at South Wind Financial, Inc. at 401-270-4999 or give us a call at 401-580-8672 to be put in touch!

Byron Kirk
Branch Manager
NMLS ID#: 13491
1356 Atwood Avenue, Suite 2, Johnston RI 02919

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Alyssa Lane: more than a house, it’s home.

Our beautiful listing at 5 Alyssa Lane in Lincoln, RI is open and ready for Spring time shoppers, but while the home is stunning, the neighborhood charming, it’s not just the house that makes this property everything… it’s everything that makes it so. This tranquil and peaceful neighborhood, is away from city life for a relaxing break. Perfect for the nature lover and for those who enjoy physical activity, hiking and walking. Close enough to Providence, Worcester and Boston to work, go out for dinner, enjoy a fantastic night life, and still slumber in peace.

The city of Lincoln Rhode Island has some of the most idyllic New England features, like Sunset Stables for horseback riding, and the Eleazer Arnold House- a rare surviving example of a stone-ender, a once-common building type featuring a massive chimney end wall, as well as The Hearthside House.

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For family enjoyment, there is nothing like the outdoor life and shopping experience in Lincoln. Limerock Preserve, now called the Aust Family Preserve, Lincoln Woods, Blackstone Gorge, Riverside Trail and Blackstone River State Park are absolutely must go places to enjoy the vast beauty of Rhode Island!

The shopping at the Lincoln Mall, which include more than just stores! Great shopping, a beautiful movie theater, lazer bowling and more! It’s an experience you will enjoy all year long. Treat yourself locally to Zaks on Front Street, for a wonderful salon experience, and if you’re looking for some excitement, hit the tables at Twin River Casino for the night!

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Looking for even more activity? First-class gym, Ocean State Gymnastics, is within walking distance to the house. RI Rock Gym and RI Indoor Karting are close by, too! So grab your friends and family and get moving!

Great restaurants including Trattora Romano, Enn and frozen yogurt—KiWi Burst and FroYo make for great stops all year for date night or family outings, but know that summer is coming and the Lincoln Creamery is the place to be!

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And while there is so much to do, see, and experience, rest assured there are excellent public schools in Lincoln. The middle school is brand new and a new high school is in the process of being built! This is the home you will fall in love with, the neighborhood you will flourish in, all in a city that will grow with you and your family for many years to come!

Contact Donna Silva at 401-935-8202 to schedule a showing!

2244 Cranston St. Cranston, Rhode Island

This well appointed Colonial at 2244 Cranston Street, is in the beautiful Meshanticut section of western Cranston.

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Not only is your new home near to all of the local conveniences, but it is rich in designer flair! Garden City, with its charm, great shopping, and delicious restaurants, is just moments away. And while you’re enjoying all the local goodness near by, getting to work will be just as enjoyable; access to 37, 95 and 195 are just around the corner. Only 15 minutes from Providence, and 30 minutes to the beach, all roads lead to home.

Comfortably situated in Western Cranston, 3 beds and 1.5 baths, 2244 Cranston Street has a beautiful open concept plan with stainless remodeled ceramic kitchen, center island/breakfast bar, with walk out to deck, overlooking an impeccably maintained fenced in, level yard.

The beautifully stamped concrete patio and walkway are a beautiful place to entertain in the summer, in the private, newly fenced yard! Formal living and dining are spacious and warm, perfect for guests, as well.

Inside? The lower level is large, and perfectly finished in wonderful tones and great for family movies, games, or a relaxing evening enjoying some music. Kids needing a place to gather, a large home office, friends over to celebrate the holidays- there is no limit to the possibilities. The master bedroom features a large walk in closet- the highlight of the whole home, owner, Deanna, gushes over, and versatile Pullman bath.

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An alarm system, brand new overhaul of the central AC, and recently replaced fencing gives you all the luxury, comfort and safety you could ask for!

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“This is our first home together. Where we got married. Where we started a family,” Deanna recalls her favorite memory of the home as being the place where everything started. Now, the opportunity to create your own memories lives at 2244 Cranston Street.

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Take a leisurely stroll to Meshanticut Park and lake, a ride along the Cranston Bike Path, or out to your favorite restaurant this Fall, and have your own firsts embedded in your memory, soon, too.

Well loved and neat as a pin, this beauty will not be around long.

5 Alyssa Lane Lincoln, RI

5 Alyssa Lane in Lincoln, Rhode Island is a stunning estate, boasting elegance in every nook!

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From the mahogany inlays in the flooring, to the soaring ceiling and rich fieldstone fireplace in the sunken great room, to the rich interiors, tray ceilings and elegant décor, this property is not to be missed- for even more than it’s initial glory.

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The location is a slice of Rhode Island’s best full-bodied living. 5 Alyssa Lane is within close proximity to some of the most beautiful windows into nature, while offering complete access to shopping, restaurants, and nightlife.

Lime Rock Preserve nature trail, Lincoln Woods, and Blackstone Valley Bike Path are all nearby, making outdoor life a beautiful experience, no matter what activities you enjoy.

The Lincoln Mall is just under 3 miles away, with shopping, dining, and a movie theater. Great restaurants, including Enn for Japanese food, Asia Grille, Chinese food and Trattoria Romana for Italian food, are local fare, easily accessible fare just moments from home.

Ideal for everyday, Lincoln Public schools, 146, and 95 are nearby, as well! Your new home offers a wonderful location to break from the chaos of the city, and give you an oasis from the outside world, without the feeling of detachment.

A gourmet kitchen with French country accents features top notch appliances and a warm, inviting sunlit breakfast area to enjoy tea or your favorite fall beverage, and the formal dining room is grand with it’s own beautiful lighting, flooring, and a butlers pantry. The large spaces and easy flow of rooms make handling a large crowd easy- ideal for all of your entertaining needs!

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The 6 bedrooms include a beautifully appointed first floor Master Suite featuring an exquisite tile bath with whirlpool, as well as ample closets for ease of living. The second floor features a separate “guest suite” and the third floor is expansive, with the highlight being a versatile game room, or common area for family enjoyment.

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The grounds are impeccably kept and feature a gorgeous patio, framed perfectly by beautiful seasonal perennials.  The secluded back yard is a wonderful place to garden, let the kids run and play, and is often graced by wildlife like turkeys and deer- truly a beautiful sight!

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And, lastly, loving where you live is the whole package. This amazing Lincoln neighborhood is an incredible place to to raise children. It is quiet and peaceful on the Cul-de-sac is a perfect location for kids to ride bikes, or gather with your wonderful neighbors. There is even an annual block party!

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Thoughtfully designed, this home is a simple, yet elegant home, in a warm, welcoming neighborhood, with all the trimmings of an ideal suburban location, but close to everything. If ideal had an address, it would be 5 Alyssa Lane, Lincoln, Rhode Island.

100 Williamsville Road, Dayville, CT

A young upgraded home waiting for you? Yes!

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Aliesha Noonan & Associates is honored to bring 100 Williamsville Road to the market. Located in Dayville, CT, this raised ranch boasts some amazing upgrades, like granite counters, a two-tier kitchen island, custom cabinetry, stainless appliances and a beautiful open concept living space with cathedral ceilings!

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The 3 bedrooms include a spacious master with full bath and ample closet space! Beautiful bamboo flooring leads out to a deck overlooking a lush green private yard, but your new home still comes with easy highway access.

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The fully finished basement is incredible, too, featuring a half bath with laundry area, and huge family room with full size windows and tall plastered ceilings. There is a walkout for easy backyard access, so you can enjoy all the spaces this home has to offer!

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And to ease your mind, top of the line heating and mechanicals are throughout.

This location offers all amenities close by in Killingly Commons. Just 3 minutes away, this one plaza has almost everything you need from Stop & Shop to Five Below, Kay Jewelers and a nail salon! But even with all of those things being close to home, you still get the feel of the quiet farmlands and back country roads. And around town offers a lot of smaller places to enjoy; the mom and pop shops of a close community.

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The surrounding schools are Killingly Intermediate School and Killingly High School, as well as Goodyear School, located just at the end of the road. This is both a preschool and special needs school.

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Access to bigger cities being crucial to many, Putnam is a quick 10 minute ride, along with Brooklyn, Danielson, and Pomfret/Woodstock. Killingly is centrally located to those cities, making it ideal for commuters. In Putnam there are many great restaurants, which has become very up and coming, with their water fires and town events. A favorite spot of current owners is Black Dog tavern which is to-die-for barbecue with a special thick cut 1/2″ bacon cooked in brown sugar, peppercorn or mesquite! “Best bacon I have ever had!” …kind of makes us want to move in!

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100 Williamsville gives small town love to farmers and ice cream stands, while still accessible to those who love urban life and want the excitement of a blossoming city… but what means the most about this home?

We built this house from a shell forwards and we’re able to pick out all the features down to the design on the doors, and we brought our second child- our first daughter- home from the hospital to this house.

All the trappings of a memory-making home… holidays spent together, summers running in the grass, first and last days of school. 100 Williamsville Road certainly encompasses family home vibes from the photos alone. Give Aliesha Noonan & Associates a call at 401-580-8672 to see for yourself!!

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Why Does Team Bonding Matter?

Aliesha Noonan & Associates is a team about more than just real estate basics. We work together to make home and land buying, selling and leasing into an experience. Our clients often become friends, and our team is more a family. There is no basic here. We know the way to reaching your real estate goals is through going 100% for you every single day, which is easier to do together!

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You can find us out and about all over New England because we love our part of the world, and we love team bonding! It builds our connection, our work.

The Adventure Park at Storrs

Team bonding brings people together by encouraging collaboration and teamwork. Sometimes sitting in the conference room feels so stale, but a little adventure helps us see each other in a different light, connecting in different ways.

Our day at The Adventure Park at Storrs, CT gave us some awesome motivation, a lot of laugher, and hours learning more about each other and how we can help support each other better.

Why does this matter for you?

A team that works for you and so well with each other is a winning combination. From always being able to get a hold of your agent, to an amazing hive mind working on the best ways to meet your goals, Aliesha Noonan & Associates has you covered.

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Why should you be bonding with your team?

1. Communication and working better together in the office. When you expand your team’s comfort with each other, their work becomes that much more limitless.

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2. Collaboration and the fostering of innovation and creativity. People tend to have a larger imagination when they are around people they are comfortable with. So, successful team building events not only bring people closer together but they also lead to more successful and creative workplace ideas.

3. Celebration, team spirit, fun, and motivation. The celebration, cheering, and fun that come with team bonding events can motivate employees to bring their job to the next level.

4. Competition and bragging rights. Competition has been shown to increase production. Enough said…

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5. Teamwork and boosting team performance. Team bonding activities also improve workplace projects that involve teamwork. After completing team building activities together, employees better understand each other’s strengths, weaknesses, and interests.

6. Networking, socializing, and getting to know each other better. Socializing and making friends in the workplace is one of the best ways to increase productivity in the office.

Is climbing right for your team?

The Adventure Park at Storrs is a fabulous experience for team bonding. Why?

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Look up—You’ll see a series of platforms in the trees connected by cable, wood, rope and zip lines to form bridges. Each bridge presents a different challenge of how to get to the next platform. A series of bridges form “aerial trails” throughout the forest. Let these challenges lead your team to heights beyond the trees.

Relax—You don’t have to be a circus acrobat or Tarzan! Choose from seven different color-coded trails, from “beginner” (easier and lower to the ground) to intermediate, to advanced (the most challenging). Let your team take control of their destinations. Sometimes letting people surprise themselves with their abilities is the best way to build confidence.

Climb with Confidence—You will receive a complete safety orientation before your climb. Our double-connected, “always-locked-on” climbing system helps keep your climbing harness securely attached to the safety line at all times. No fear here- team bonding should always be done in a safe environment.

So… what are you waiting for? Give us a call to find out how this team can serve all of your real estate needs: 401-580-8672, and consider your next team bonding event.

How high can your team climb to reach success?

64 Shore Road, East Providence, RI

This beautiful, classic, New England cape was built in 1850 but brings all the updates you need and some left for you to make your own!
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The 2/3 bedroom single family home sits on a large corner lot in a community-focused neighborhood! But the location is not just beautiful, it’s ideal to meet your needs while being your oasis. With seven raised garden beds, and the largest fenced in back yard in the neighborhood, there is nothing you can’t accomplish in your yard! 
Summer BBQ’s? Tented NYE countdown? This space is perfection!
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64 Shore Road in East Providence is home to great shopping and recreation, as well as a rich history- city and personal! The Riverside area was once booming with a theme park and hotels on the water near Sabin point… and current owners, Sabrina and John, actually became engaged down by the water! ❤️ 
The home itself is an open floor plan with a spacious kitchen and large dining area. On the first floor, the family room has been totally remodeled, too! The electric and plumbing are updated with a tankless hot water heater and Rainsoft Water softener system. Add beautiful hardwoods throughout and great closet space- this home is perfect for growing families!
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As we approach summer, there is so much to enjoy close by, including an amazing clam shack! Also be sure to embrace all the local activity! The East Bay Bike Path, taking you to Providence or Barrington is close, and within walking distance is the Sabin Point playground, walking path and local fishing spots. Better yet- there are a lot of amazing ice cream places within walking distance, too! And for the everyday essentials, you are right near Seekonk shopping, as well.
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Sabrina and John started their family here, and as they head north look very fondly back upon 64 Shore. The family centered, very close knit neighborhood truly holds their hearts as the perfect place to start growing a family or finish, as a retiree or family looking to downsize. Being on the busline, access to downcity Providence is super easy to get to, if you’re craving the city life for a day. 


“So many amazing memories,” Sabrina pauses, but her fondest is the real start of it all, “I’ll tell you John proposed to me at Sabin Point.”

When life offers the perfect opportunity for a new start or the ideal place to end up, we ask: what’s stopping you?
64 Shore Road
East Providence, RI 02915 offered by Aliesha Noonan & Associates Donna Silva. Call her at 401-935-8202 or email donnasilva@alieshanoonandassoc.com for more.