Loan Programs
As a broker Brad shops 150+ wholesale lenders to find the best rate for your situation. FHA, VA, USDA, Conventional, Jumbo, Non-QM, Refinance, Construction — all under one roof.
The workhorse of Lowcountry mortgages. Flexible terms, competitive rates, no mortgage insurance with 20% down. Great for Bluffton, Hardeeville, and Okatie purchases.
Brad used an FHA loan for his own Lowcountry home while going through IVF. The 3.5% down payment allows buyers to preserve savings for life's other priorities.
$0 down, no PMI, competitive rates. With MCRD Parris Island nearby, Brad is deeply familiar with VA loan nuances in this market.
Zero down payment in USDA-eligible areas — which includes much of rural Lowcountry SC. Ridgeland, parts of Hardeeville, and Jasper County qualify.
When the purchase price exceeds $726,200 you need a jumbo loan. Brad has closed jumbo loans across Hilton Head and Beaufort County.
Non-QM programs use bank statements, asset depletion, or DSCR to qualify borrowers who don't fit the traditional W-2 mold.
Lower your payment, shorten your term, or tap your home's equity. Brad shops all options to make sure you get the best refinance deal.
One-time-close construction loans and FHA 203(k) renovation products. Brad competes against builder lenders — and wins.
Let's Talk
Brad will review your goals and recommend the best path — no pressure, no obligation.