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Apply now to get your home loan with Brickwood Mortgage – we’re dedicated to providing our clients the lowest mortgage rates available in South Carolina!
What to Expect at BrickWood Mortgage Company in South Carolina
Finding the right South Carolina mortgage lender for your new home loan can be a stressful task. At BrickWood Mortgage we do our best to take the stress out of your home buying experience by providing personalized service tailored to your individual home financing needs. The next step is finding the best mortgage rates, or refinancing rates for you.
Whether you’re a South Carolina first time home buyer, refinancing your home, a veteran looking for a VA loan, or even an investment home buyer, we will find the best possible rate for your home mortgage. We have a long track record of success and are one of the best mortgage lenders near Myrtle Beach, Market Commons, Carolina Forest, DeBordieu, Charleston, Mount Pleasant and beyond, we serve all of South Carolina.
- Let us take the stress from your home mortgage experience. -
We are the premier mortgage broker in South Carolina, our team of mortgage professionals are ready to secure a home purchase loan that utilizes today’s great mortgage interest rates to make your dream home affordable. Call today and lock in great terms with current interest rates in SC, or take advantage of our free quick and easy mortgage loan tools to find out what you qualify for.
Why Choose a Mortgage Broker in South Carolina? Can We Help You?
At the moment, you may wonder why you should choose a mortgage broker over a bank or lender. After all, this is a common question. However, did you know that mortgage brokers typically have more loan programs? What’s more, mortgage brokers also tend to have better interest rates and a one-to-one customer experience (something you don’t get with banks!).
With this in mind, we’ve compiled a list of just some of the people who will benefit from our services. As a mortgage broker in South Carolina, we can help the following:
First-Time Buyers – Are you buying a home for the first time? Are you desperate to get on the property ladder? If so, you’re perfect for our services. Whether you’re new to South Carolina or are just confused by the long and arduous buying process, it’s time to give BrickWood a call. One of our experienced loan officers will help you navigate the difficult process and make sure you understand everything. Ultimately, we want you to be happy with the entire transaction.
Self-Employed Borrowers – If you’re self-employed, you will have seen many horror stories regarding mortgage application requirements. These days, many self-employed borrowers either can’t or don’t want to use their tax returns to qualify for a mortgage. At BrickWood Mortgage, we have several programs just for self-employed borrowers that use alternative documentation such as bank statements in lieu of tax returns.
Experienced Home Buyers – Often, people buying a home get frustrated that all the services and informational guides are targeted at first-time buyers. What if you’re not a first-time buyer? Well, we can help. Just because you have bought a home before doesn’t mean that you don’t need help when it comes to securing a mortgage and making wise financial decisions. With an experienced mortgage specialist in your corner, you’re sure to be happy with your new mortgage.
Many experienced buyers have options regarding programs, rates, terms, costs, and more. If you want somebody to explain these options to you so that you can select the best mortgage program for your situation, a broker will suit you perfectly.
Home Refinancing – As you probably know, the world of mortgages and interest rates is always evolving. What seemed settled last year may be a completely different environment twelve months later. With this in mind, you might find that refinancing your home is a positive step for the financial stability of your family. If this is the case, our mortgage company in South Carolina will offer everything you need. With access to the best mortgage lenders in South Carolina, you’ll be in great hands.
Here are just some of the reasons why many homeowners choose to refinance:
- To reduce monthly payments
- To pay the mortgage off faster
- To consolidate debt
- To make home improvements
- To free up cash for other areas of life
New Home Construction – While some people like to buy a pre-existing home, others want to purchase a lot in a new development. With a development company building your new home, it’s quite an exciting time. In some cases, you might even be taking charge of the building process yourself. Whichever route you choose, getting the best mortgage is not something you should have to face yourself.
How does it work? After completing construction, you want to get the best deal available for your mortgage. In many cases, we can refinance your construction loan so that you get the best possible deal on your mortgage.
Investors – Are you an investor hoping to purchase or refinance an investment property? In this case, you will benefit from the expertise of a mortgage broker who can explain the different available loan programs.
Condotels – With so much coastline to enjoy, more condotels are filling the real estate market in South Carolina. As the name suggests, these properties are essentially condominiums run more like hotels. If you want to explore these options, speak to one of our brilliant team members today.
Reverse Mortgages – If you’re 62 or over, you could be eligible for a reverse mortgage. If you’ve not seen these products before, there are two ways to utilize them. While one is designed for those purchasing a property, the other is ideal for those who already have equity in a property. Either way, you will use the equity – either built up over time or during the purchase process with a large down payment – to receive payments rather than make them each month.
Even if you’ve been in your property for many years, you can use a reverse mortgage to finance a vacation, a new roof, or even a renovation. If you have equity in your property, you can use a reverse mortgage to stay in your home and not worry about mortgage payments again. When you contact BrickWood Mortgage, our professionals will tailor their advice to your position whether you want to use a reverse mortgage for purchasing or refinancing.
Do you fall into one of these categories? If so, contact BrickWood Mortgage today to speak with an experienced loan officer to discuss your mortgage options. Why go through this process alone when you can get expert help? Contact BrickWood Mortgage today at (843) 314-4101. Even if you don’t fall into one of these categories but still need a mortgage, reach out for a conversation to see if we can help. Even if we can’t help ourselves, we may be able to point you in the right direction.
Types of Loan Options
As we’ve said, the world of loans and mortgages is a confusing one. Every year, as the options evolve, the process of working out the best program for your situation and how your qualification works seems to get more challenging. Fortunately, we understand this predicament for borrowers and try to make everything as approachable and understandable as possible. After all, this is YOUR mortgage – why should everything be so confusing? Why not allow BrickWood Mortgage to walk you through the process from start to finish?
Conventional Loans – Today, conventional loans are the most popular option for many borrowers, and this is mostly down to the flexibility and rates that they offer. Mortgage lenders in SC generally have conventional products available. Thankfully, BrickWood Mortgage knows how to help homeowners get the best rates for their properties.
Jumbo Home Loans – Sometimes, the loan amount you require exceeds that available through conforming loans and other government-backed financing options. If this is the case, you need a jumbo home loan. If you’re worried that the property you desire will not fit into a conforming program, be sure to reach out to our team.
FHA Loans – Short for Federal Housing Administration, FHA loans were created to help borrowers qualify for mortgages where conventional lending wasn’t an option. With this in mind, FHA loans are very popular with first-time buyers, credit-challenged borrowers, and those with lower down payments.
With the mortgage interest rates today, borrowers enjoy the easier qualification requirements like that the loan doesn’t have high down payment requirements.
VA Loans – Finally, eligible active service members and veterans may qualify for a VA loan, regulated by the Department of Veterans Affairs. Generally, VA mortgages have no down payment requirements, no mortgage insurance, and easier qualification. If you have VA eligibility, contact BrickWood Mortgage to obtain your VA certificate of eligibility.
How to Get Started with BrickWood Mortgage
So, with all this information in mind, how do you get started with us? Well, there’s no easier way to secure great mortgage rates in SC than to pick up the phone. Don’t worry, there is no obligation – you won’t need to make any decisions that you don’t want to during this call. Instead, you can simply pick up the phone and introduce yourself and your situation.
Whether you are buying a home for the first time or you want to refinance, speak to our fantastic team to learn more about your mortgage options. If you’re like most of us, you want the best deal on your mortgage. Luckily, mortgage brokers sign up with many national lenders so that all clients get the best deals. If you’re happy to go ahead, we’ll secure the best possible mortgage and rates on your behalf. You won’t need to worry about a thing – why not call (843) 314-4101 today?
What Our Customers Are Saying
Paul Hankins is an absolute mortgage rockstar! I can’t begin to explain how grateful and thankful that I was to have this guy working on my loan. I initially used
Paul Hankins is fantastic! My refinance experience was smooth and stress free. Paul is knowledgeable and professional. He stayed on top of everything and kept me updated throughout the process.
We were very pleased with Paul.He is a super nice man.He was very helpful.He took us through the whole process without hitch.Again,a very nice experience.
Are You A Veteran?
We would be honored to work with a veteran just like you. We are your neighbors and are one of the preferred VA mortgage lenders in Myrtle Beach, SC and beyond; we are committed to providing all of our clients the lowest available mortgage rates in South Carolina, all while offering the best overall experience possible. Contact us today to learn more about VA Loans and other low mortgage opportunities for Veterans.