Mortgage Broker in North Charleston, SC

A mortgage broker works for you, not the bank. We shop dozens of lenders to find the right loan, and we never charge junk fees.

✓ $0 application, processing, and admin fees
✓ We shop dozens of lenders. You pick the right fit
✓ Licensed in 10 states · SC, NC, VA, WV, FL, GA, AL, IA, WY, MS
✓ Veteran-owned and operated since 2018
Book a Call Apply Now 📞 (843) LOW-RATE
Application fee$0.00
Processing fee$0.00
Admin fee$0.00
Underwriting fee$0.00
Document prep fee$0.00
Junk fees total$0.00

That’s not a typo. We don’t charge junk fees.

Loan Programs

Shop by loan type

Every program below is available through Home Loans Inc. Click a category to learn what you qualify for.

🎖️

VA Loans

7 programs

$0 down, no PMI. For active-duty, veterans, and eligible spouses.

Shop VA Loans →
🏠

Conventional

Fixed & ARM

As low as 3% down. The standard for buyers with established credit.

Shop Conventional →
🔑

First-Time Buyer

FHA · USDA · DPA

Low down payment options and assistance programs for your first home.

Shop First-Time →
🔄

Refinance

Rate · Cash-out · Streamline

Replace your current loan. Lower your payment, shorten your term, or tap equity.

Shop Refinance →
📊

Investment Properties

DSCR · Portfolio

Finance rentals, flips, and multi-unit properties with investor-friendly terms.

Shop Investment →
📋

Self-Employed

Bank statement · ITIN

Qualify using bank deposits instead of tax returns. Built for 1099 and business owners.

Shop Self-Employed →
✓

Get Pre-Approved

Free · No junk fees

A verified pre-approval letter strengthens your offer and tells you exactly what you can afford.

Start Pre-Approval →
Why a Broker

Broker vs. bank: the numbers

A mortgage broker shops multiple lenders on your behalf. A bank sells you their own products. Here’s what that difference looks like.

Home Loans Inc (Broker) Big Bank
Lenders shopped Dozens One (themselves)
Junk fees $0 $1,000–$3,000+ typical
Who they work for You, the borrower Their shareholders
Loan options VA, FHA, conventional, USDA, non-QM, and more Their own limited menu
Point of contact Jason, same person start to finish Rotated between departments
Closing timeline Typically faster. Fewer internal layers Corporate approval chains
429+
Homeowners helped
5.0 ★
Google rating
10
States licensed
Common Questions

Before you reach out

A mortgage broker is an independent intermediary who shops your loan across dozens of wholesale lenders. A bank can only offer its own products. Because we work on volume across multiple lenders, we can often find more competitive terms, and we never charge application, processing, or admin fees.
We charge zero junk fees: no application fee, no processing fee, no admin fee. Our compensation comes from the lender, not from you. The total cost of your loan (including lender fees, title, appraisal, and prepaid items) will be clearly disclosed before you commit to anything.
Not at all. While Jason Sharon is a veteran and Home Loans Inc specializes in VA loans, we serve all borrowers: first-time buyers, investors, self-employed borrowers, and anyone looking to refinance. We are licensed in ten states: SC, NC, VA, WV, FL, GA, AL, IA, WY, and MS.
Most conventional and VA purchases close in 25–35 days from contract. Refinances are often faster. Because a broker has fewer internal layers than a bank, your file moves through underwriting more efficiently. Timeline varies by loan type, property, and borrower scenario.
A quick phone call or online application is enough to begin. We’ll review your goals, pull your credit (soft pull for the initial conversation), and walk you through your options. To move forward with a formal pre-approval, we’ll need recent pay stubs, W-2s or tax returns, bank statements, and a valid ID.
Yes. Home Loans Inc is licensed in SC, NC, VA, WV, FL, GA, AL, IA, WY, and MS. We handle the entire process remotely, from application through closing, with digital documents and e-signatures. You’ll work directly with Jason regardless of where the property is located within our licensed states.

Ready to skip the bank?

Home Loans Inc: Jason Sharon, Mortgage Broker

2557 Ashley Phosphate Rd, North Charleston, SC 29418

(843) 569-7283 · Text us · jason@homeloansinc.com

Book a Call Apply Now