REALTOR Frequently Asked Questions

We require a 580 for all loans except conventional which requires a 620 and down payment assistance loans which require a 640. 

We offer FHA, VA, USDA, and Conventional home loans including jumbo and bank statement loans. We also offer DSCR loans in all states. 

Yes, our minimum credit score qualification for down payment assistance is 640. We offer down payment assistance for FHA and conventional loans. Our program is universal and for all states we are licensed in. There is no first time homebuyer requirement. WE DO NOT PARTICIPATE IN STATE FUNDED PROGRAMS OR OCCUPATIONAL PROGRAMS!

 We originate loans in South Carolina ONLY. 

Our preapproval process is simple. It begins with an initial loan application and the borrower must complete the loan application AND upload all requested documentation within 3 days or the application is automatically withdrawn (borrower receives a followup email daily to complete application and with outstanding tasks). There is a $78 up front credit check fee that borrowers must pay when applying. 

Once the application is complete, it will be reviewed and submitted to underwriting for a full review. Our preapprovals are fully underwritten up front. Underwriting review may take up to 48 business hours.

Once a loan is out of underwriting, I will discuss options with borrower and issue preapproval letter.

If they put in an application and complete a credit check, if they are not credit-worthy, they can be told what they need to do to get where they need to be.

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You may complete the form (Realtor Application Link Request) below to receive your own individual application link. This will alert you anytime a borrower starts and completes an application. You will also receive alerts when an application is in review and has been preapproved. This keeps the guesswork out of wondering if a borrower applies and what is the update on their loan application. You may also upload a head shot if you wish for it to be on your application link when borrowers apply.