Charleston Mortgage Broker
Coastal Funding Corporation (NMLS 103035) is a licensed mortgage broker serving Charleston, Mount Pleasant, Summerville, and the entire SC Lowcountry. No broker fees. Access to 20+ wholesale lenders.
- Conventional, VA, FHA, USDA, DSCR & Non-QM programs
- DSCR specialists for Kiawah Island & Isle of Palms investors
- Pre-approvals typically within 24 hours
Charleston Mortgage Programs
Every loan program available in the Charleston market — from first-time buyer FHA loans to DSCR financing for Lowcountry investment properties.
Conventional
3% down, 620+ FICO. Fannie Mae & Freddie Mac programs for Charleston, Mount Pleasant & Summerville.
Learn moreVA Loans
$0 down for veterans & active duty. Joint Base Charleston & MCAS Beaufort specialists.
Learn moreFHA Loans
3.5% down, 580+ FICO. First-time buyers in North Charleston, Goose Creek & Summerville.
Learn moreUSDA Loans
$0 down for eligible rural & suburban areas in Berkeley, Dorchester & Colleton counties.
Learn more InvestorsDSCR Loans
Investment property financing for Kiawah Island, Isle of Palms, Folly Beach & Charleston rentals.
Learn moreNon-QM
Bank statement & alternative income programs for self-employed Charleston borrowers.
Learn moreWhy Charleston Homebuyers Choose CFC
- Access to 20+ wholesale lenders — more options, better rates
- No broker fees — ever
- DSCR specialists for Charleston short-term rental investors
- VA loan experts — Joint Base Charleston & MCAS Beaufort
- Pre-approvals typically issued within 24 hours
- Licensed in South Carolina since 1999 — NMLS 103035
- Conventional, FHA, USDA, Non-QM & DSCR programs
Charleston Area Service Coverage
We serve homebuyers and investors throughout the South Carolina Lowcountry.
Licensed in South Carolina · NMLS 103035 · Equal Housing Lender
Charleston Mortgage FAQs
Does CFC offer mortgages in Charleston, SC?
Yes. We are a licensed mortgage broker serving all of Charleston County and the broader SC Lowcountry, including Mount Pleasant, Summerville, North Charleston, Goose Creek, and beyond.
What areas of Charleston do you serve?
We serve the entire Charleston metro: Charleston, Mount Pleasant, North Charleston, Summerville, Goose Creek, Hanahan, James Island, Johns Island, Kiawah Island, Folly Beach, Isle of Palms, and the broader Lowcountry including Myrtle Beach and Hilton Head.
Do you offer DSCR loans for Charleston investment properties?
Yes. DSCR loans are a popular choice for investors in the Charleston market, especially for short-term rentals on Kiawah Island, Isle of Palms, and Folly Beach. No personal income documentation required — qualification is based on the property's rental income.
How do I get pre-approved for a mortgage in Charleston?
Apply online at cfc.my1003app.com or call (833) 457-6500. Most pre-approvals are issued within 24 hours. Our team is familiar with Charleston-area home prices, neighborhoods, and lender requirements.
Ready to Buy or Refinance in Charleston?
Start your application online or call our team. Pre-approvals typically within 24 hours.