(800) 621-4656

THE LENDER YOU GO TO WHEN THE DEAL ACTUALLY MATTERS

Creative Lending Solutions

The Largest Non-QM Lender In South Carolina

  • Close in as little as 15 days
  • Direct lender decisioning
  • No layered committee approvals
Explore Our Loans

THE LENDER YOU GO TO WHEN THE DEAL ACTUALLY MATTERS

Locked out of the Market?

We Provide Private- Capital Liquidity for Credit-Worthy Borrowers

Lending has had a rocky road in the 2000s, which led to much-needed stricter lending rules. But with those new rules and regulations, many who are credible borrowers have been locked out of the market with no recourse. We see potential in every loan applicant and work to find solutions they can’t get with traditional lenders. Our goal is to do all that we can, in a financially responsible way, to allow credit-worthy borrowers a chance. If you have someone who doesn’t fit in a box, we’ll take into account more than just scores and numbers and find a way to make it work.

Who We Are
Who We Help

Non-QM Loans Types

Bank Statement Loans

Bank statement loans are sometimes referred to as “self-employment mortgages.” They allow someone to borrow money without the documentation required by traditional lenders, like tax returns and W2s.

Foreign national loans

American citizens looking to purchase a home in the United States can sometimes find it difficult to get approved for a traditional loan. Foreign National Mortgage Loan programs are available from some lenders, and they work like other loans.

Interest only
loans

When you take out a traditional loan, the monthly payments that you make go toward both your loan balance and interest costs. If you keep up with interest charges, you will gradually pay down the debt you owe.

Asset based
loans

An asset-based loan is a business loan that is based on a company's assets, usually inventory and accounts receivable, being used as collateral. You use your current financial revenue as leverage for borrowing.

Recent credit event loans

If you have a recent event that has damaged your credit score, it can be difficult to secure a loan. And even if you can borrow, the interest rate will typically be much higher due to the event.

Medical Professional Loans

Becoming a physician is a tough road that takes a lot of sacrifices. Not only does it require a large amount of your time and effort; it is monetarily draining. If you are left with a lot of student loan debt weighing you down, you do have options to help.

Jumbo loans with 5% down

A jumbo mortgage or a jumbo loan is one that exceeds the Federal Housing Finance Agencies’ limits. They cannot be secured by institutions like Freddie Mac or Fannie Mae, which makes them much riskier for lenders to take on.

Condotel Mortgage Loans

Condotel loans, for practical purposes, do not differ from other types of mortgage loans – with the exception that they are not typically something that traditional lenders will consider. A condotel is a dwelling that is a mixture between a condo and a hotel.

CONTACT US

Although South Carolina mortgage rates continue to rise, that doesn’t necessarily mean that you are going to get stuck paying a lot more for mortgage loans in South Carolina. The key to finding the best mortgage loans in South Carolina is finding a mortgage company that is willing to think creatively to find you a loan that you can afford.

Our mission is to find our customers the best South Carolina mortgage rates, regardless of their credit history, and help get them approved for the mortgage loans in South Carolina that make sense. We work closely with all of our brokers to help find solutions where other companies see roadblocks. Our team of experienced and talented professionals can find the right South Carolina mortgage rates to save your customers money and get them into the home of their dreams today!

Not everyone has a stellar credit history and rating, but without one, sometimes obtaining a loan is next to impossible. For those who have a blip on their credit, private mortgage lenders in South Carolina might be the only option. Non-traditional mortgage lenders can often offer loan types that traditional lenders cannot. Non-traditional mortgage lenders also typically have ways to find loan packages tailored to suit their customers’ needs.

Private mortgage lenders in South Carolina can offer ways to get around the hurdles that many face when trying to obtain a loan. Non-traditional mortgage lenders are a great resource if you are having a hard time getting a loan from standard lending options. HomeSpring Mortgage is one of the best private mortgage lenders in South Carolina – contact us today!

Where We Differ From Traditional Lenders

Loan amounts

up to $5M

Cash-out proceeds

up to $5M

Term fixed rates

30-year

LTV

up to 80%

Debt ratios

up to 55%

Bank statements

Personal and business

Bank statement mortgage loans

For self-employed borrowers

Condos

Non-warrantable

Non-owner

Investment/Foreign Nationals

Owner-occupied

Primary, 2nd Homes, Vacation Homes

Your Local
Mortgage Lenders

Not all South Carolina mortgage lenders are the same. You have to shop around to find the best mortgage lenders in South Carolina, and that usually means comparing rates. But if you are having a hard time obtaining a loan, it also might mean that you have to consider South Carolina mortgage lenders who offer non-traditional loan options. We are one of the best mortgage lenders in South Carolina, because we cater to the harder mortgage cases that need a bit more problem-solving.

At HomeSpring Mortgage, we believe that everyone deserves the chance to become a homeowner and we go to great lengths to be one of the best mortgage lenders in South Carolina. That means going the extra mile and finding creative solutions that are tailored to custom fit your mortgage lending requirements. We love what we do and it shows in every mortgage loan we tackle!

Hard Money Loans

Not everyone who is credit-worthy can borrow money from traditional lenders. In fact, a good majority of people who can repay loans are never allowed the chance.

Hard money loans are asset-based commercial loans where the borrower either has a significant down payment or owns real estate that they can offer as collateral to put towards the purchase of a non-owner-occupied property.

Hard money loans make funding available faster without the exorbitant income documentation. Where other traditional lenders cut things off, we are just beginning. Let us show you our creative lending solutions!

Hard Money Offerings

  • Land loans
  • Fix & flip and cash-out loans
  • Construction loans
  • Flexible terms from 3 to 60 months
  • Up to 90% as-is value, 100% of rehab costs
  • Multifamily and AirBnB loans
  • Rental property loans

Your One Source for Private Mortgage Purchasing & Selling

HomeSpring Mortgage
“Other” Services

HomeSpring Mortgage is honored to announce that we purchase mortgage notes to take to market. We regularly buy private real estate mortgage contracts and notes, and provide as seamless of a transaction as possible, in the process. 

Because we know that timeliness is a concern, we provide swift payouts to match your financial targets and also have alternative options for those who are looking to sell their private mortgage notes.

Once more, sellers who work with HomeSpring Mortgage receive the maximum putout upfront by selling the note and are therefore relinquished from any further risks or responsibilities.

Real People, Real Reviews

Another couple weeks and we will have been in our new house 1 full year! What a journey – and thanks to you and HomeSpring it didn’t hurt too much, once I found you! Being Self-employed with some “past credit challenges” put me right into your preferred client range. Before you, we went through a multiple-months long, excruciating experience with another lender that didn’t work for us. Once we found you, the approval process was quick and painless! We had Schumacher Homes build our home and they told me your company was the quickest, easiest to work with and most enjoyable lender they have worked with… They’re nationwide and I believe they built about 200 homes in the Lowcountry last year. To underscore your ease of use… we refinanced the house after 6 months with a well-known national bank. What a pain in the butt! Took 3 months, we had to resubmit our financials every month and we had to work hard to get the refinance! Thank God that’s over!! Rest assured I’ll mention Chris Lathbury and HomeSpring Mortgage to anyone I meet who may need you! If you need a reference, feel free to pass on my name and I will sing your praises!! Thanks for all your work and help in making such a potentially stressful process go so well!

I want to say thank you to Chris Lathbury and the entire team at HomeSpring Mortgage for being so wonderful and gracious to me during the entire application, underwriting and funding process for the purchase of my home. It didn’t stop there Chris was very active in servicing the loan after funding. Whenever I would reach out with a question or had a concern Chris would always return my email or call within 24 hours max. Thank you from the bottom of my heart for all your help in accommodating the loan process to align with my relocation and new job appointment. It has been a pleasure to work with all of you! I highly recommend Home Spring Mortgage for all your real estate loan needs, you will not regret it.


Firstly, it is a major task to apply for and be approved for a mortgage and when going through that process you want a mortgage lender that understands your specific needs and how to make that a reality. HomeSpring Mortgage is that company. After dealing with several lenders and their numerous delays I found Chris and HomeSpring. They were professional, communicative, truthful and a company that gets the job done. HomeSpring is the way to go when looking to finance your home. Solutions is what they are about.

My clients and I found Chris after another lender let us down. He listened to us, looked over our contract, and even spoke with the seller of the home my client’s were purchasing to help salvage the deal. With an incredibly tight timeline, and tons of emotions, Chris was the true hero in this transaction and made it happen for us. Words truly do not express the level of gratitude I feel for how hard he worked for us. To say he went above and beyond is an understatement. This was my first time working with Chris, and the person who referred me to him told me he has a heart of gold, and he did an outstanding job living up to that reputation. He will be my go-to for these unique financing situations from now on!
Hey Norb – We just closed and I just wanted to reach out and sincerely thank you, Chris, and HomeSpring Mortgage for working with us on this. As you can imagine, we’ve had a very difficult time getting back in the good graces of lenders, especially on this scale, and needed a chance, and ya’ll gave us that. We’re excited about being able to do our renovation project now, when only a month or two ago it was looking highly unlikely. Also, I appreciate the timeliness and level of communication that ya’ll showed throughout the whole process, which made everything run smoothly. Our intentions are to not stick around at the higher rate for the long term, as I’m sure you can understand, when hopefully rates come down at some point and our credit profile should continue to improve. Whenever that time comes, we will most certainly work with y’all again to hopefully capture a lower rate. Thanks again!

Ready to get funded?

Get In Touch With HomeSpring Mortgage Today

CONTACT US
Call Us Contact Us