Non-QM Home Loans
in Charleston, SC
Your Local Non-QM Mortgage Experts with a Personal Touch
Looking for a mortgage company in Charleston that truly knows the local market? HomeSpring Mortgage is proud to serve Charleston and the surrounding Lowcountry communities with tailored home financing solutions and a refreshingly personal experience. Whether you’re buying your first home, upgrading, refinancing, or investing, our Charleston-based team is here to help make it happen.
What's a Non-QM Loan?
A Non-QM or Non-Qualified Mortgage loan is designed for borrowers who don’t fit the standard lending guidelines, like self-employed individuals, real estate investors, or those with recent credit events. Instead of relying on traditional income documents like W-2s or tax returns, Non-QM loans offer flexible qualification options based on alternative documentation, like bank statements, assets, or rental income.
Why Charleston Homebuyers Choose HomeSpring
From historic downtown properties and beachside homes to new builds in Summerville or Mount Pleasant, no two loans are the same here. That’s why we don’t do one-size-fits-all mortgage solutions. At HomeSpring, we combine local insight with national lending power to offer the right options for your needs, backed by fast and clear communication, and support every step of the way.
What's a Non-QM Loan?
As a trusted Charleston mortgage lender, we offer a wide range of home loan solutions tailored to fit your goals.
Bank Statement Loans
Self-employed? You don’t need to provide W-2s or tax returns to qualify. We offer bank statement loans that use your income deposits to help you qualify for a mortgage—perfect for entrepreneurs, freelancers, and business owners.
Foreign National Loans
Looking to buy a home in Charleston as a non-U.S. citizen? Our foreign national mortgage loans are designed to help you purchase property in the U.S. without the traditional residency or credit requirements.
Interest-Only Loans
Keep your monthly payments lower upfront with an interest-only loan, which is ideal for short-term ownership or buyers seeking maximum cash flow flexibility.
Asset-Based Loans
Use your liquid assets as leverage for purchasing property. Asset-based loans assist high-net-worth borrowers who may not have traditional income streams but possess strong financial assets.
Recent Credit Event Loans
Had a recent foreclosure, bankruptcy, or credit hit? We offer loan programs designed to help you bounce back and move forward—even if your credit history isn’t perfect.
Medical Professional Loans
Medical professional loans offer low or no down payment options, flexible debt-to-income ratios, and no private mortgage insurance (PMI). These loans recognize the unique financial journey of medical professionals and help them become homeowners sooner.
Jumbo Loans with as Little as 5% Down
Buying in Charleston’s high-value neighborhoods? Our jumbo loan options allow you to borrow more, with as little as 5% down, making luxury real estate more accessible.
Condotel Mortgage Loans
Condotel mortgage loans are ideal for buyers purchasing condo units within resort-style properties that operate like hotels. These properties can be challenging to finance with traditional loans, but our condotel programs offer customized lending solutions that cater to investors or second-home buyers seeking vacation destinations like Charleston.
Take the Next Step Toward Charleston Home Ownership with HomeSpring Mortgage
We’d love to help you explore your options and find the right loan for your new home in Charleston. Get in touch to move forward with a team that's genuinely in your corner.