Need A Mortgage


When a buyer is not paying cash, terms more than price determine both up front and long term costs. Depending on each individuals financial plan here are the most common financing products used by buyers. All loans are subject to underwriting approval , we have many lenders to compare rates and programs. all Programs are NOT  listed here.

Charleston Realty Team has financial institutions that assist with these popular finance products.

Conventional – 3 or 5% down,
Conventional or Conventional Jumbo loan with or without PMI. This product is popular with clients who would like to keep funds liquid for other investment vehicles. Those with student debt are enjoying changes in this program which have opened up the doors to home ownership.

VA – Exclusive benefit of those who served. Most of our New construction buyers under $ 417,000 are able to move in with $ 500 total out of pocket. 

FHA – Requires 3.5 % down and has PMI, this loan is the easiest to qualify for.

RELOCATION QUICK CLOSE LENDING – If you are relocating and have an employment contract once we locate you your contract is ratified on your perfect lifestyle home. Our lender partners begin the loan process and 95% of the time will close you the date of your first payment.

First Time Buyer Programs – 100 % Financing is available to Qualified First Time Buyers . Acceptance in these programs is at underwriters disgression. Though a down payment may not be required , there may be other criteria to meet.

Self Employed – significant financial event or lower scores: We have partner financial institutions that work hard to help buyers who may have been turned down.

Contact Charleston Realty Team 

Bonnie Sempier, CRS, MRP –  Buyers Agent Team Leader
843-478-7933 Text if no answer


Enrique DeJesus – Real Estate Sales
843-568-0693 Espanol