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Now Lending in Charleston

Charleston home loans —
the heart of the Lowcountry.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Charleston and the Lowcountry. From historic homes south of Broad to new construction on Daniel Island and beach houses on the barrier islands, we bring local guidance to the Holy City — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Lowcountry
Charleston County Coverage
14 days*
Close In As Little As
$832,750
2026 Charleston County Conforming Limit
5.0 ★
Google Review Rating
Charleston Markets

Local lending across
every Charleston neighborhood.

Charleston Neighborhoods

From historic downtown streets to island living and fast-growing suburbs.

  • Downtown & South of Broad
  • Mount Pleasant & Daniel Island
  • West Ashley & James Island
  • Johns Island & Folly Beach
The Holy City

A booming coastal market driven by tech, the port, tourism, and aerospace.

  • Historic & luxury financing
  • Second homes & beach houses
  • Charleston County coverage
  • Minutes to CHS & the port
Every Kind of Charleston Buyer

From first homes to move-up, waterfront, and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • Jumbo financing for waterfront luxury
  • Investment & rental properties (DSCR)
DowntownSouth of BroadMount PleasantDaniel IslandWest AshleyJames IslandJohns IslandFolly BeachSullivan's Island
Loan Programs in Charleston

Financing for every
kind of Charleston buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Charleston homebuyers.

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VA Loans

0% down for Charleston's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Charleston's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Charleston investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Charleston's self-employed borrowers.

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FAQ

Charleston mortgage
questions answered.

We serve homebuyers and homeowners throughout Charleston and the Lowcountry, including downtown Charleston, Mount Pleasant, Daniel Island, West Ashley, James Island, and Johns Island, plus nearby Summerville and North Charleston.
The 2026 conforming loan limit is $832,750 in Charleston County. Loan amounts above that limit are financed as jumbo loans, which we offer for the Lowcountry's historic and waterfront homes.
Charleston borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Charleston home journey?

Get pre-approved today — no cost, no obligation. Charleston borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825