We Provide Private-Capital Liquidity for Credit-Worthy Borrowers Who Are Locked out of the Market

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.
Private-Capital Liquidity for Credit-Worthy Borrowers
Credit-Worthy Borrowers

Get the Right Mortgage Loan For You - Financial Solutions Tailored To Your Needs!

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!

Non-Traditional Mortgage Loans With Low-Interest Rates

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!

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!

Where We Differ From Traditional Lenders

Loan amounts up to $5M
Cash-out proceeds up to $1M
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
borrow money from traditional lenders
Hard Money Option​ in Charleston

Hard Money Option

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!

Easy Loan approved

Hard Money Offerings

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

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.

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.

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.

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HomeSpring Mortgage Today