Business Details
30 Years
experience
Your Trusted Mortgage Broker in Simpsonville, SC
SC Home Loans is a locally owned, family-operated mortgage brokerage dedicated to serving South Carolina families. With over 29 years of combined industry experience, we specialize in simplifying the mortgage process while eliminating excessive fees. Our team works directly with multiple lenders to secure wholesale rates unavailable to retail customers, passing these savings directly to our clients. We prioritize transparency, offering personalized guidance through every step of the home buying or refinancing journey.Our commitment to ethical practices and community-focused service has established us as trusted advisors in the mortgage industry. We empower clients with clear explanations of loan options, ensuring informed decisions aligned with their financial goals. From conventional loans to government-backed programs, our expertise spans diverse mortgage products tailored to meet individual needs. Our mission remains rooted in making homeownership accessible and affordable across South Carolina.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
203K Rehabilitation Loans
Details
- Year established: 1996
Highlights and features
- We offer 29+ years of mortgage industry experience
- We work with multiple lenders to find exclusive wholesale rates
- Our team provides transparent fee structures with no hidden costs
- We specialize in customized mortgage solutions for South Carolina families
- Our process includes comprehensive loan option comparisons and explanations
Associations and certifications
- NMLS ID# 1588407
Services
Conventional Loans
Conventional loans offer fixed-rate terms from 10-30 years with minimum 3% down payment. These non-government-backed mortgages provide flexible options for borrowers with strong credit profiles. Our team helps clients navigate loan terms and secure competitive rates through our lender network.
FHA Loans
FHA loans require just 3.5% down payment with more lenient credit requirements. Designed for first-time homebuyers, these government-insured mortgages make homeownership accessible. We guide clients through FHA qualification criteria and documentation requirements.
VA Loans
VA loans offer 0% down payment options for eligible military personnel and veterans. Our specialists help service members maximize their VA loan entitlements while navigating the unique application process for these zero-down mortgage programs.
USDA Loans
USDA loans provide 0% down payment options for qualifying rural and suburban properties. We assist clients in determining eligibility based on income and location requirements while securing favorable terms for these government-backed mortgages.
203K Rehabilitation Loans
203K loans combine purchase or refinance with home improvement funding. These specialized mortgages allow borrowers to finance repairs and upgrades through a single loan. Our experts help clients structure rehabilitation plans within loan parameters.
People
Kiara Calverley
Mortgage Loan Originator
With over 29 years of mortgage industry experience, Kiara Calverley specializes in guiding South Carolina families through the home financing process. Her expertise in loan programs and commitment to transparent service make her a trusted advisor in the community.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, and 203K rehabilitation loans with down payment options ranging from 0% to 3.5%.
How can I qualify for a mortgage with lower credit score?
We help clients with minimum 580 credit scores through specialized loan programs and credit improvement strategies.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and PMI removal solutions.
What documentation is required for mortgage approval?
Typical requirements include income verification, two years of tax returns, credit history, and asset documentation.
How do you find competitive mortgage rates?
We work with multiple lenders to access wholesale rates unavailable through traditional retail channels.
Can I use gift funds for down payment?
Yes, many loan programs allow down payment gifts from family members or approved sources.
