Mortgage Broker in Charleston, SC
Historic homes, jumbo files, and flood detail handled by a local broker.
A Charleston mortgage broker who knows the peninsula's quirks
A mortgage broker in Charleston, SC has to work with homes that are anything but standard. The peninsula mixes pre-Civil-War single houses, condo conversions, and new infill, and each one raises its own appraisal, insurance, and loan-size questions.
We shop your file across a wholesale lender network on one application instead of offering a single bank’s program. That matters downtown, where higher price points push many purchases into jumbo territory and where flood zone, elevation certificate, and historic-overlay details can change which lenders will say yes.
Whether you are buying in Harleston Village, refinancing in Cannonborough, or relocating for MUSC or the College of Charleston, you talk to a veteran-owned broker who closes in this market, not a call center.
Charleston neighborhoods we finance
Downtown values often push purchases into jumbo loan sizes, and flood, wind, and historic-overlay rules vary block to block. We flag those early so the file is structured before you write the offer.
Loan programs for Charleston buyers and owners
VA Loans
No down payment and no monthly mortgage insurance for eligible service members and veterans.
Learn more →FHA Loans
Lower down payment and flexible qualifying for first-time and move-up buyers.
Learn more →Conventional Loans
Competitive terms for buyers with steady income and solid credit.
Learn more →USDA Loans
Zero-down financing in eligible areas around the Charleston region.
Learn more →Refinance
Lower the rate or term, or pull cash out, on a home you already own.
Learn more →Home Loans
See every major purchase program side by side in one place.
Learn more →
Built for Charleston homes and the people buying them.
What sets the Charleston market apart
Jumbo and high-balance files
Peninsula price points frequently exceed conforming limits. We compare jumbo and high-balance options so the structure fits the home, not just the rate sheet.
Flood, wind, and insurance
Elevation certificates and flood-zone designations change what lenders require. We line these up early so closing is not delayed by a surprise.
Condos and historic overlays
Condo project approval and historic-district rules can disqualify some lenders. Shopping the file across a network keeps your options open.
We also serve these Charleston-area communities
West Ashley
Just across the Ashley River, with established neighborhoods and Avondale charm.
Learn more →James Island
Minutes from downtown on the way to Folly Beach, with marsh-front and established homes.
Learn more →Mount Pleasant
East of the Cooper, with newer construction and top-rated schools.
Learn more →Charleston neighborhoods we know well
We work all over the Charleston peninsula and the historic neighborhoods buyers fall for here. Each one has its own rhythm, and the financing details change with the housing stock, from antebellum single houses to converted college-district homes.
South of Broad
The oldest part of the peninsula, below Broad Street, lined with pre-Civil-War single houses a short walk from the Battery.
Harleston Village
Tree-shaded streets around the College of Charleston and Colonial Lake, a walkable mix of historic homes and condos.
Cannonborough-Elliotborough
An upper-peninsula pocket of restored single houses known for its small restaurants and coffee shops on Spring and Cannon.
Wagener Terrace
Quiet 1920s-to-40s bungalows along the Ashley River near Hampton Park.
Hampton Park Terrace
A designated historic district bordering Hampton Park and The Citadel, with bungalow and four-square homes.
Radcliffeborough
A central neighborhood of historic single houses near Marion Square and the medical district.
Locals orient by White Point Garden and the Battery at the tip of the peninsula, Rainbow Row along East Bay, and the Charleston City Market downtown. Older homes here come with their own quirks, from flood elevation to historic-district rules, and we line up the loan to fit the house. The peninsula is a short drive from Joint Base Charleston and the Naval Weapons Station, so service members and veterans are a regular part of the mix here too.
Talk to a VA loan specialist
Home Loans Inc: Jason Sharon, Mortgage Broker
2557 Ashley Phosphate Rd, North Charleston, SC 29418