Non-QM Home Loans in
Mount Pleasant, SC
Mortgage Solutions for Buyers Who Don’t Fit the Mold
Mount Pleasant isn’t just one of the fastest-growing towns in South Carolina—it’s one of the most desirable places to live in the Lowcountry. At HomeSpring Mortgage, we specialize in helping Mount Pleasant buyers secure financing that’s flexible, personalized, and tailored to their real-life circumstances.
Whether you’re self-employed, recovering from a credit event, or investing in a high-end home near the coast, our local team is here to help you navigate the process with clarity and confidence.
What Is a Non-QM Loan?
A Non-Qualified Mortgage (Non-QM) loan is designed for buyers who do not meet the standard lending criteria. That might mean you’re a business owner, real estate investor, or self-employed borrower with non-traditional income. Unlike conventional loans that rely on W-2s and tax returns, Non-QM mortgages use alternative documentation like bank statements, rental income, or assets to qualify you. If you’ve been told “no” by traditional lenders, a Non-QM loan could be your “yes.”
Why Mount Pleasant Buyers Trust HomeSpring Mortgage
From waterfront homes in Old Village to new construction in Carolina Park, Mount Pleasant has a diverse and competitive real estate market. Our team understands the local landscape, and we know how to move quickly and creatively to get you the financing you need. At HomeSpring Mortgage, you’re a neighbor, and we’re here to guide you every step of the way with clear communication, personal attention, and smart lending strategies.
Our Non-QM Loan Programs for Mount Pleasant Borrowers
We’re proud to offer a comprehensive range of non-traditional home loan options designed to meet the diverse housing needs of Mount Pleasant.
Bank Statement Loans
Bank statement loans allow self-employed individuals to qualify using 12 or 24 months of personal or business bank deposits. Perfect for entrepreneurs, freelancers, and independent contractors.
Foreign National Loans
Buying a home in Mount Pleasant from abroad? Foreign national loans are ideal for non-U.S. citizens seeking to invest in U.S. property, as they eliminate the need for traditional credit or residency documentation.
Interest-Only Loans
Lower your monthly costs in the early years of homeownership with interest-only payments—a smart alternative for buyers with fluctuating income or those planning to sell or refinance in the near future.
Asset-Based Loans
If your wealth is in your investments—not your paycheck—this option may be ideal. Asset-based loans qualify you using verifiable liquid assets rather than income.
Recent Credit Event Loans
Mount Pleasant homebuyers with past credit setbacks, such as bankruptcy, foreclosure, or missed payments, still have options available to them. These programs are built to help you rebuild and move forward.
Medical Professional Loans
If you're a doctor, dentist, pharmacist, or healthcare professional, we offer exclusive mortgage programs that take into account your career path and future earning potential. Enjoy low down payments, no PMI, and flexible terms.
Jumbo Loans with as Little as 5% Down
Looking at a luxury home in Mount Pleasant? Our jumbo loan programs let you borrow more with minimal down payment requirements, making high-value properties more attainable.
Condotel Mortgage Loans
Mount Pleasant is just minutes from the beaches and full of vacation-style condo properties. Condotel loans help you finance units in resort-style buildings that don’t qualify under traditional guidelines.
Let Our Experienced Team of Mount Pleasant Mortgage Lenders Find the Right Loan for Your Mount Pleasant Home
You deserve a mortgage experience that’s simple, smart, and tailored to your life. Whether you’re buying a townhome in Belle Hall or a waterfront estate in Hobcaw Point, HomeSpring Mortgage is here to make it happen, with home financing solutions that match your unique financial story. Reach out and let’s talk about your next move in Mount Pleasant.