VA Home Loans.
Zero-down financing earned through military service.
Learn moreLet's get you home.
Thoughtful mortgage guidance, local expertise, and a team that stays with you through closing.
More Closings. Less Chaos.
- 25+
- Years of combined experience
- 47
- States + D.C. licensed
- Thousands
- Families helped
- 7
- Dedicated team members
- 1
- Team from start to close
- 700+
- 5-star reviews
Loan programs
A loan for the life you're building.
View all programsUSDA Home Mortgages.
100% financing for eligible rural and suburban addresses.
Learn moreConventional Mortgages.
Flexible terms for buyers with steady credit and income.
Learn moreFHA Home Loans.
Low down payments and forgiving credit requirements.
Learn moreOne-Time Construction Loans.
Build from the ground up with a single closing.
Learn moreJumbo Home Loans.
Financing above conforming limits for higher-priced homes.
Learn moreWhy work with us
A team that answers, and keeps answering.
Most of the stress in a mortgage comes from not knowing where things stand. We try to remove that part. You'll have real people to call, messages returned the same day whenever we can, and a plain-English explanation of what's happening next, from the first conversation through to the closing table.
We work just as closely with your real estate agent as we do with you. Agents are kept in the loop on milestones and documentation so everyone is working from the same timeline, which is usually what keeps a contract calm and on schedule.
Behind that is a broad menu of programs, so the conversation can start with your situation rather than with one product. FHA, VA, conventional, jumbo, USDA and down payment assistance sit alongside specialty options , including bank statement and DSCR programs, that often suit self-employed borrowers, business owners and investors whose income doesn't fit a standard W-2 shape. Which of them makes sense depends entirely on your circumstances, and that's the discussion we'd rather have first.
FHAVAConventionalJumboUSDADown payment assistanceBank statementDSCR
Where to start
Get pre-approved first. The right agent comes next.
Two steps, in the right order, and you won't be shopping blind.
Get pre-approved.
This is always the right first move. Before you tour a single house, we'll walk through your numbers so you know your real price range and monthly payment. It costs nothing to find out.
Start My ApplicationAgent Matchmaker.
If you don't already have a real estate agent, we'll match you with someone from our trusted network based on your specific needs, home goals, and personality, not just the next name on a list. That means someone with real transaction experience handling your sale and negotiating in your best interest the whole way through. If you already have an agent you love, we'll work with them directly.
Contact us for a referralMeet the team
Local experts. Personal advocates.
Ashton Mitchell.
Team CEO & Loan Officer
NMLS 1266342
Top Loan Officer with SC Housing, 2025First-Time Buyer & VA Expert
Founder of The Home Loan Team and a nationally ranked Top 1% Mortgage Loan Advisor, Ashton is a mom and a dedicated second generation mortgage advisor who's been helping South Carolina homebuyers since 2015. Her passion for people and positive energy set the tone for the entire team. Known for her hands-on approach and deep commitment to clients and agents, Ashton loves finding solutions tailored to each buyer's unique goals.
Apply Now
Nicole Munnerlyn.
Team Sales Manager & Loan Officer
NMLS 1987020
Nicole Munnerlyn is the President and CFO known for clear communication and client-focused service. A wife and mother of four, she leads a high-performing team in Greenwood, South Carolina, delivering smooth closings built on transparency and trusted relationships.
Apply Now
Amber Dean Koester.
Senior Loan Officer
NMLS 1764109
Amber is the ultimate partner for agents looking for a lender who puts in her heart every step of the way. Known for her reliability and deep industry knowledge, she's here to make sure each client's journey to homeownership is smooth and enjoyable.
Apply Now
Addison Smith.
Processing Assistant
Elizabeth "Liz" Holland.
Team Operations Manager
Lindsey Esarey.
Team Processor
Nicole Robinson.
Loan Partner
Mortgage calculators
Run the numbers. Find your range.
Conventional estimate.
Reviews
Don't take our word for it.
Over 700 5-star reviews from past clients and agent partners.
Jonathan L.A.
The way Amber advocated for me in every step of the process.
Blair Minick
Excellent job! I worked on the sellers side of this transaction, but was very impressed with how smooth this transaction was. Communication was the best I have seen. Thank you!
Derek
Ashton is the BEST!!! She is a real Pro with vast knowledge of the real estate processing and management. It was an absolute pleasure to know that my purchase was in the capable hands of a seasoned expert! She's awesome!!
Steve A.
They took a huge weight off my shoulders by simplifying and guiding me through the home loan process with patience, clarity, and expertise. From start to finish, they made everything feel manageable and stress-free.
Samuel D.R.
Nicole is extremely knowledgeable and a true professional in the industry. She's always available to talk through a scenario and answer all my questions.
Resources
Reading worth your time.
See all resourcesThe First-Time Buyer Checklist for South Carolina
Everything to gather before you apply, from pay stubs to down payment assistance options available to South Carolina buyers.
Read moreVA Loan Benefits You Might Be Missing
Zero down is only the beginning. Here's what else your VA entitlement can do for eligible buyers throughout South Carolina.
Read moreUSDA Eligibility Around Lexington, SC
More neighbourhoods qualify for 100% USDA financing than most buyers expect. Here's how to check yours.
Read moreYour next chapter can start with one conversation.
Send us a note and we'll get back to you, or start your application whenever you're ready.
Apply now