Welcome to Palmetto State Home Mortgage. We’re a Mortgage company, backed by a Marine Corps Veteran founder, Shawn Ezell. The complete team at Palmetto State Home Mortgage has over 80 combined years of experience in the mortgage business. From Underwriting, funding, originating, bank loans, and now as mortgage brokers; we have done it all!! We specialize in VA mortgage loans, USDA rural housing loans, FHA mortgage loans, Conventional home loans, and even the oddball type purchases & refinances. We say YES when others say NO. We offer FHA and USDA (100% Financing) down to credit scores of 580 (600 due to current COVID restrictions) & VA mortgage loans down to 560 (600 due to current COVID restrictions) credit scores. We offer very low Closing Costs and Great Rates. Closings in 45 days or less We also lend on a wide variety of mortgage loans including manufactured & mobile home loans. We work with a variety of wholesale lenders with a variety of loan programs to find the perfect loan for your specific needs. These specific banks ONLY provide home loans through mortgage brokers like ourselves and offer home loan programs that the traditional banks will not. If you need some help with credit or have perfect credit, we have the programs for you to SAVE YOU THOUSANDS OF DOLLARS! We will work with you to help you fix your credit if needed and we have NO minimum requirements or lender “overlays” (rules that other banks set and cause them to decline your mortgage loan). These wholesale mortgage lenders are in the market for borrowers and they rely on us to help. The large majority of the time we are paid by the lender; Therefore, you are charged nothing toward your closing costs or out of pocket fees. As a mortgage broker, we have different rules than your traditional big depository banks. This limits us on the amount of money we can make on the transactions and this saves the home buyer a lot of money by using us.
In any case, we will save you a lot of time, a lot of money, and we will simplify the process for you of buying your new home.
Call us today at (864) 775-5432
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