South Carolina Mortgage Rates | The Home Loan Team

Mortgage Guidance for the South Carolina Midlands

The Home Loan Team is a Lexington-based mortgage team led by Ashton Mitchell, working with buyers and homeowners across the Midlands and the wider state. This network exists to answer one question well: which loan program actually fits your situation, and what does the road from here to closing look like?

Talk to a Loan Officer

Every page here is written for a specific program or a specific town, because a VA buyer near Fort Jackson and a USDA buyer in Pelion are not solving the same problem. Start with whichever describes you and we will take it from there.

What You Should Know

The three things that matter most here.

Five programs, plainly explained

VA, FHA, USDA, conventional and jumbo each exist for a different kind of buyer. We lay out who each one is built for and what it asks of you, so you can rule options in and out before you ever fill in a form.

Local, not national

Lexington, Columbia, Chapin, Irmo, Cayce, Elgin, Blythewood and the rural Midlands each have their own price picture and their own quirks. Our town pages are written for the town, not copied from a national script.

A team, not a call centre

The Home Loan Team is a working group of licensed loan officers, processors and loan partners. You get named people who know your file.

Common Questions

Straight answers, no sales language.

Where do I start if I have no idea which loan I need?

Start with the program pages linked below. Each one opens by describing who it is built for. Most people can rule out three of the five in about five minutes, and a conversation sorts the rest.

Do I have to be a first-time buyer?

No. First-time buyer programs are one part of what we do, but most of our work is with people who have owned before, are moving within the Midlands, or are refinancing a home they already own.

How is this different from applying with a big national lender?

You are working with a local team that knows the towns, the appraisers and the agents here. We operate under Lower.com, so there is a national platform behind the file and local people in front of it.

What does it cost to talk to you?

Nothing. An initial conversation about your situation and which programs may fit is free and carries no obligation.