Buying your first home?

Buying a first home comes with a long list of unknowns: credit, down payment, loan types, timing. You don't need to have it all figured out before reaching out. That's the whole point of a first conversation. We start with where you are today and walk forward from there, one step at a time.

In plain terms, credit score is one piece of a larger puzzle and different programs carry different minimums. Down payment is usually far less than the 20% myth, with options ranging from 0% for eligible VA and USDA buyers up to roughly 3 to 3.5% for Conventional and FHA. South Carolina down payment assistance through SC Housing is available to many buyers, not just first-timers, so it's worth checking regardless of any assumptions about income or eligibility.

Once we gather the basics, you get a clear breakdown of an estimated price range and monthly payment before house-hunting ever starts. That way your real estate agent can build a search around real numbers instead of guesses. From there, the team stays available throughout underwriting all the way to closing, so the first conversation isn't the last time you hear from us.