Apply For a Loan

If you are new to the area, or just new to the real estate scene, a good first step is to contact a Loan Officer.

In that initial conversation, we’ll discuss what your immediate and long-term mortgage loan goals are, and what your current living and financial situations are. This way, we can get the big picture and put together the best plan to achieve your goals as a first time home buyer. We’ll talk about what your debt-to-income ratio is, and how that affects your mortgage payment – and we’ll discuss what loan size might be best for you to fit into your monthly payment plans.

After that first conversation with a Loan Officer, you may have a better idea of how to shop the real estate market with your budget in mind and be able to confidently ask the right questions as you begin looking around. Most real estate sellers will require a pre-qualification letter from your lender before they will even consider an offer from a potential buyer. A good real estate agent will help you to understand the market and real estate rules through the process. Typically, the loan officers and real estate agents work very closely together to make sure that details are sorted properly, and a smooth closing takes place.

We can help you find an excellent and reputable real estate agent too, haven’t yet been working with one? – just ask us!

The housing market in this Greenville, SC area is growing and changing rapidly, and a first time home buyer has a lot of information to understand and process. There are new loan programs available every year, and some of those programs are specifically for first time home buyers. Whether you are looking to buy a single-family house, a condo, a townhouse, or tackle a new construction project and build your first home from the ground up, we are eager and excited to help you get the keys to your first home in your hands.

Call us for a free consultation. You can call the main line or search out a specific Loan Officer and contact them via email, phone or by text.