Business Details
Your Trusted Mortgage Partner in Moncks Corner, SC
At Palmetto Mortgage, we are dedicated to serving our customers with the highest level of expertise and personalized service in the mortgage industry. With decades of combined experience, our team specializes in guiding clients through every step of the home loan process, from pre-qualification to closing. We offer a comprehensive range of loan products, including conventional, FHA, VA, USDA, and jumbo loans, tailored to meet the unique needs of first-time buyers, experienced homeowners, and investors. Our commitment to transparency, competitive rates, and fast closings ensures a seamless experience for our clients. As a locally owned and operated business, we prioritize understanding the specific real estate trends and needs of the Tri-County area.Our teams deep industry knowledge and dedication to client satisfaction have established us as a trusted partner in the community. We pride ourselves on providing clear, actionable guidance to help clients achieve their homeownership or investment goals. Our streamlined application process and flexible financing options make securing a mortgage more accessible than ever. By combining industry expertise with a client-first approach, we aim to simplify the complexities of mortgage financing. Whether purchasing a new home, refinancing, or investing in property, our team is here to deliver reliable, efficient service with integrity.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Options
Investment Property Loans
Construction Loans
HELOCs
Bank Statement Loans
Highlights and features
- We offer 26 years of local real estate expertise in the Tri-County area.
- Our team provides personalized guidance through every step of the mortgage process.
- We offer competitive rates and fast closings, with most loans closed in 30 days.
- Our diverse loan options cater to first-time buyers, veterans, and investors.
- We prioritize transparency with no hidden fees or unexpected costs.
Services
Conventional Loans
Conventional loans offer fixed or adjustable-rate mortgages with competitive rates and flexible terms. These loans are ideal for buyers with strong credit and a down payment of at least 5%. Palmetto Mortgage provides tailored conventional loan options to suit long-term homeownership goals.
FHA Loans
FHA loans provide accessible financing for buyers with lower credit scores or minimal down payments. With options starting at 3.5% down, these loans are perfect for first-time homebuyers seeking affordable, government-backed financing solutions.
VA Loans
VA loans offer 100% financing and no PMI requirements for eligible veterans and military members. Palmetto Mortgage specializes in VA loan programs to help service members achieve homeownership with zero down payment options.
USDA Loans
USDA loans provide 100% financing for qualified buyers in eligible rural areas. These loans feature low rates and flexible credit requirements, making homeownership accessible for low-to-moderate income families in designated communities.
Refinance Options
Refinance your existing mortgage to reduce monthly payments, shorten loan terms, or access home equity. Palmetto Mortgage offers rate-and-term refinancing, cash-out options, and streamlined VA/FHA refinancing programs for improved financial flexibility.
People
Wendy Cheri Smoak
Broker, Sr. Loan Specialist
Wendy has 26 years of real estate experience and owns Palmetto Mortgage. She specializes in guiding clients through home purchases and refinancing while actively serving the Tri-County community.
Kristen Conley
Broker-in-Charge
Kristen brings 18 years of real estate expertise as a former paralegal. She focuses on client satisfaction and holds the 'Realtor of Distinction' award for top-tier service in the lowcountry market.
Kavonna Butler Brown
Sr. Loan Specialist
Kavonna assists clients in achieving homeownership goals with personalized loan solutions. She holds a degree in Political Science and Marketing and specializes in first-time buyer programs.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, USDA, jumbo, construction, and refinance loans to meet diverse home financing needs.
Can I get pre-qualified for a mortgage online?
Yes, apply securely on our website to get pre-qualified and start your home buying journey with confidence.
Do you offer low down payment options?
Yes, we provide FHA loans with 3.5% down, VA loans with zero down, and conventional loans with 1% down options.
How long does the mortgage process take?
Most loans close within 30 days through our fast and efficient approval process.
Are there refinancing options for existing homeowners?
Yes, we offer rate-and-term refinancing, cash-out refinancing, and streamlined VA/FHA programs to reduce payments or access equity.
What areas do you serve?
We primarily serve the Tri-County area and throughout South Carolina with local market expertise.
