Most buyers qualify based on income, current debts, credit score, down payment, and today’s interest rates. A quick pre-approval review gives you a realistic monthly payment range so you can shop confidently in Charleston, Columbia, Greenville, or anywhere in South Carolina.

Credit score requirements vary by loan type. Some programs allow lower scores, while conventional options typically require stronger credit. The fastest way to know your best path is to review your credit profile and match it to the right loan program.

A basic pre-approval can sometimes be issued the same day once we have your key documents. A full, verified pre-approval is more accurate and may take 24–48 hours depending on how quickly documents are provided.

Down payments depend on the loan program. Some options allow low down payments, and VA loans may allow $0 down for eligible buyers. We’ll confirm what you qualify for and what makes the most sense based on your goals.

Yes. Self-employed borrowers can qualify using different documentation strategies depending on income type and tax filing. We’ll help you choose the cleanest path—whether that’s traditional documentation or alternative options when needed.