Financing Your New Home Doesn’t Have To Be Complicated.
Whether you’re buying new construction, building on your land, or purchasing your first home — there’s a loan program designed for your situation.
We connect you with the right lender so you can stop guessing and start moving forward with a clear plan.
The right loan can be the difference between waiting and getting started now.
LOAN PROGRAMS WE WORK WITH
FHA Loans
Low down payment options starting at 3.5%. Ideal for first-time buyers or those rebuilding credit.
VA Loans
Zero down payment for eligible veterans and active duty military. You served — you deserve it.
USDA Loans
Zero down payment for eligible rural and suburban areas. Many Midlands communities qualify, including Elgin, Blythewood, Gaston, Gilbert and more.
Conventional Loans
Traditional financing with competitive rates for buyers with strong credit profiles.
Construction-to-Permanent Loans
Designed for build-on-your-land projects. One loan covers construction and converts to a mortgage when your home is complete.
One-Time Close Construction Loans
Down Payment Assistance Programs
South Carolina offers programs to help qualified buyers cover down payment and closing costs. We’ll help you understand what you may qualify for.
We don’t just send you to a lender — we help you understand your options before you ever apply.
Not Sure Which Loan Is Right For You?
That’s exactly what the free consultation is for.
We’ll look at your situation, your goals, and your timeline — and point you in the right direction before you ever speak to a lender.
- No pressure.
- No obligation.
- Just real guidance from someone who understands the Columbia Metro market and how financing connects to it.
- If you’re ready, we’ll connect you with the right lender. If you’re not, you’ll still leave with clarity.
What You Need To Be Prepared For
Buying a home isn’t just about your down payment.
There are additional costs that every buyer needs to understand before getting started.
Prepaids
These are upfront costs like property taxes, homeowners insurance, and interest that are collected at closing.
Reserves
Some loan programs require you to have extra funds saved after closing to show financial stability.
Closing Costs
Fees associated with the loan, title work, and finalizing your purchase.
- You don’t need to have everything figured out — but you do need to be financially prepared to move forward.
- If you’re starting from zero, the first step may be getting you prepared — not pushing you into a purchase too early.
- My job isn’t to sell you a home — it’s to make sure you’re ready to keep it.
Before We Tour Homes
To protect your time and mine, there are a couple of steps that must be completed before we begin touring homes.
- You must be pre-approved with a lender so we know your true buying power.
- You must also have a signed buyer agency agreement in place, as required by South Carolina real estate licensing laws.
- This ensures you are properly represented and that we are both moving forward with a clear understanding and commitment.
- I don’t open doors — I guide serious buyers through one of the biggest decisions of their lives.
- If you’re not pre-approved yet, that’s okay — we’ll start there.
- During your consultation, I’ll connect you with the right lender and walk you through exactly what to do next.
Important Note
Flagler Real Estate LLC is not a lender or mortgage company.
We connect buyers with trusted lending professionals and guide you through the process. All loan approvals are subject to lender requirements and qualifications.