Home Purchase Loans in NC, SC & GA
Buying a home starts with knowing your real numbers and the program that fits them. I work through NEXA Mortgage with access to a wide lender network, so instead of one bank's product, we pick from many. This page is the overview; each program below has its own page with the details.
How it works.
Every purchase follows the same path: we review your credit, income, and funds, get you pre-approved, then match you to the loan that fits your goals and budget. The right program depends on your down payment, credit, the property, and how long you plan to stay.
Programs at a glance.
First-Time Buyer, FHA, VA, USDA, Conventional, Self-Employed / Non-QM, and Investment Property. Explore each to see how it works.
Who it's best for.
Any buyer who wants honest numbers and a clear plan before writing an offer.
What you'll typically need.
- Recent pay stubs
- Two years of W-2s or tax returns
- Two months of bank statements
- A photo ID
Common questions.
How much do I need to put down?
Less than most people think. Options range from 0% (VA, USDA for eligible buyers) to 3% (some conventional) to 3.5% (FHA). We'll find your real number on a call.
Should I get pre-approved first?
Yes. A pre-approval (a full review of your credit, income, and assets) makes your offer stronger than a quick pre-qualification.
Ready to see if this fits?
Schedule a free consultation and we'll walk through your numbers, or start an application when you're ready to move.
Articles about Home Purchase
- Market & LocalBuying in Charleston: Flood Zones, Insurance, and Your MortgageHow flood zones and insurance affect buying a home in Charleston, SC, and what it means for your mortgage. A plain-English guide for Lowcountry buyers.
- Getting startedPre-qualified vs. pre-approved: what's the real difference?Learn the real difference between pre-qualified and pre-approved, and why Carolina sellers take one more seriously than the other.
Markets where I help buyers with this
A note on program availability & disclosures
Program eligibility, guidelines, and pricing are set by the applicable investor, agency, or program (FHA, VA, USDA, Fannie Mae, Freddie Mac, and others) and are subject to change without notice. Not all applicants will qualify. This information is for educational purposes only and is not a commitment to lend or a guarantee of approval, rate, payment, or closing date. Equal Housing Opportunity.
Let's find the right fit.
One 30-minute call is usually all it takes to narrow the field and pick the right program.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity