
Residential

Conventional Mortgage
A mortgage loan not insured by any government program, conventional loans are the most common type of mortgage. Conforming conventional loans follow the loan amount guidelines set by Fannie Mae and Freddie Mac.
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Purchase / Refinance
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3% Down payment Required
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620 Minimum Credit Score
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Fixed / Adjustable Rates
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High Balance

FHA (Federal Housing Administration Mortgages)
FHA loans help buyers purchase a home or existing homeowners refinance. They offer the advantage of a low down payment and more flexible guidelines for qualification. The loans are insured by the Federal Housing Authority.
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For purchase or to refinance
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3.5% Minimum Down payment
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580 Minimum Credit Score
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Fixed Rates or adjustable rates
Jumbo
A jumbo loan is a loan for an amount of money larger
than the conforming loan limits set by government-
backed agencies Fannie Mae and Freddie Mac.

USDA
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Purchase or Refinance Available
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$0 Down payment Required
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580 Minimum Credit Score
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Fixed Rate Only with 30 Year Term
Is your property in a USDA Area? Find out by clicking
the link below:
https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
Does your household income meet the requirement? Find out
by clicking the link below:
https://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state
VA (Veterans Affairs Mortgages)
If you are serving in the Armed Forces, or are a veteran,
we first want to say THANK YOU for serving our country.
A VA Mortgage is a home loan that is guaranteed by the
Department of Veterans Affairs (VA). Purchases required
no down payment and Refinances provide streamline
documentation without appraisal.
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Purchase or Refinance Available
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0$ Down payment Required
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580 Minimum Credit Score
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No PMI requirement
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Fixed Rates or adjustable rates


Construction End Loans
We are a locally owned mortgage lender who specializes in new construction end loans. We have closed 1000’s of New Construction loans. We have developed a system to reduce builders risk by buyer fallout during the construction phases. We personally work with many sales agents and many builders, who would recommend us.
The below loans get the added benefit of our lower
credit score guideline and flexible underwriting:
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FHA
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VA
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USDA
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Conventional
Construction to Perm Loan
If you're looking to build and finance your primary
residence or vacation home, a construction-to-permanent loan may be right for you.
For Loan Types:
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FHA
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VA
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Conventional

Refinance
A traditional mortgage allows borrowers to choose between a variety of options, from short-term ARMs to 30-year fixed rates and anything in between.
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Get Cash Out to Leverage debt
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Reduce mortgage payment and Interest Rate
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Reduce your mortgage term
Florida Bond Programs
A mortgage loan program that offers down payment
for First Time home buyers that may not have the down
payment and closing cost needed to purchase a home.
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Purchase Only
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Fixed Rate - 30 Year Term
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Income Restricted
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To find out if you meet the income requirement click here
Start your mortgage loan application today!