(800) 621-4656

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 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.

Testimonials

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!

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.

CONTACT US
Call Us Contact Us