Mortgage Lender in Charleston,
South Carolina
If you’re buying or refinancing in Charleston, South Carolina, getting clarity on your numbers early is the key to winning.
We help buyers in Charleston with purchase loans, VA benefits, refinance reviews, and mortgage options for self-employed borrowers.
Whether you're purchasing your first home downtown, relocating to the Lowcountry, or reviewing refinancing options, our goal is to help you understand your financing strategy before making an offer.
With the right mortgage plan, Charleston homebuyers can move through the buying process with confidence.
Popular Loan Options in Charleston
Homebuyers in the Charleston area use a variety of loan programs
depending on their financial situation and property type.
Conventional Loans
Flexible mortgage options with competitive interest rates and down payments starting as low as 3%.
VA Loans
A powerful mortgage benefit for veterans and active-duty military members that may allow home purchases with no down payment.
FHA Loans
A popular option for first-time buyers who may need lower down payments and flexible credit requirements.
Jumbo Loans
Financing options for higher-value homes that exceed standard conforming loan limits.
Non-QM Loans
Flexible financing solutions designed for self-employed buyers and borrowers with non-traditional income.
Buying a Home in Charleston
Charleston is one of the fastest-growing housing markets in South Carolina. Buyers are drawn to the area because of its coastal lifestyle, strong job market, and historic charm.
Neighborhoods throughout Charleston offer different housing styles, from historic homes downtown to newer communities in surrounding suburbs.
Many buyers are relocating from other states, which has increased demand for housing in the region. Because of this growth, homes can move quickly once they hit the market.
Charleston also offers access to beaches, strong schools, and a growing technology and healthcare industry. These factors make the city attractive for both first-time buyers and long-term homeowners.
Getting pre-approved early can help buyers compete in this competitive housing market.
FAQ's
What credit score do I need in Charleston?
Most buyers qualify for mortgage programs with credit scores starting in the mid-600 range, although some loan programs allow lower scores depending on financial history.
How much do I need down in Charleston?
Down payment requirements vary depending on the loan program. Some programs allow as little as 3% down, while VA and USDA loans may allow zero down.
How long does it take to close in Charleston?
Most home purchases close within 30 to 45 days, depending on loan type and underwriting timelines.
Are there first-time buyer programs in Charleston?
Yes. Several loan programs such as FHA and certain conventional loans are designed to help first-time buyers purchase homes.
Can I buy with a VA loan in Charleston?
Yes. Eligible veterans and active-duty service members can use VA loans to purchase homes throughout Charleston and surrounding areas.
Ready to Buy a Home in Charleston?
If you're planning to buy or refinance in Charleston, the first step is understanding your financing options.
We’ll review your numbers and help you move forward with confidence before you start house hunting.
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COMPANY
Jeremy Chapman
Loan Officer | NMLS # 81896
NEXA Mortgage, LLC NMLS #1660690
Number:
803-360-3101
843-243-1656
Service Areas
LEGAL
Equal Housing Opportunity
Proudly Serving South Carolina
Branch Address: 149 Hollow Cove Road, Lexington, SC 29072
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