Erik Voss - VanDyk Mortgage Corporation

As a national Mortgage Banker, we have been committed to providing residential 1 to 4 family home loans to consumers for over 30 years. We currently have over 500 employees with 93 branch office locations in 38 states across the U.S. During our tenure, we have closed over 100,000+ home loans, maintained a 99% customer satisfaction ratio* and an A+ rating from the Better Business Bureau. We are an approved FannieMae, FreddieMac, GinnieMae seller/servicer as well as an FHA/VA DE lender. These affiliations give us direct access to the capital markets that are passed on through great pricing to our borrowers. All our loans are originated on a direct retail basis and service many "in house" on our own portfolio. NMLS# 96176.

At United Bank, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. United Bank is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come.

David Havlik, a mortgage banker since 2006, moved to Charlotte in 1998 from Dallas, Texas. He has seen tremendous growth in the Charlotte area over the years and believes now is the beginning of yet another economic surge that Charlotte and its neighboring communities will experience during the next 10 years. David began his career in mortgage lending as a broker in 2006 at the tail end of a booming market. He then witnessed and worked through the great real estate downturn in the years that followed. In October of 2012 he became a retail mortgage banker. In 2014 David started as a Mortgage Banker with SouthState. This change has allowed David to offer a more robust product solution set to his clients and to deepen his focus on relationship banking. David continues to work closely with Charlotte's top producing agents while providing customized lending products to first\-time home buyers and high net\-worth clients. David's sales philosophy is not one of sales but one of service. David operates in a customer\-centric fashion driven by maintaining open lines of communication with all parties involved in the transaction. He sets proper expectations and provides regular updates for clients and partners allowing for a smooth closing experience.