The Wagner Team - NMLS #152431

09/02/2026

Buying a home doesn’t always happen in the perfect order — and sometimes a traditional mortgage isn’t the only tool available. 👀

For the final chapter in this series, we’re looking at a few more options that can come into the conversation:

🤝 Bridge Loans when you’re buying before selling
🤝 HELOCs to access available home equity
🤝 Personal lines + loans
🤝 Portfolio mortgages + other relationship banking solutions

And that brings us full circle.

From Portfolio Prime and Physician Loans to Liquidity, Construction + Lot Financing and now options beyond the traditional mortgage — this series has really been about one thing:

🤝 There’s more than one way to finance a home. 🤝

Different finances. Different timelines. Different goals. Different solutions.

And sometimes the right option is simply one you didn’t know existed. 🙋‍♀️

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner

09/02/2026

The One Where Georgia Became Home 🍑

From South Carolina to Georgia—and officially CLOSED on their new place to call home. 👏

Relocations are always a little more than just finding a house. You’re figuring out a new area, a new routine, and where exactly you want to land when everything around you is changing.

And I’d say these clients landed pretty well. 😍

Their new home comes with plenty of room to settle in, a backyard pool + spa, peaceful equestrian views, and all the perks of a gated country club community.

So excited for my clients as they trade SC for GA and start this next chapter. Welcome home! 🥹🏡

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner


SouthState Bank

08/26/2026

The One Where Their Investment Helped Build the Portfolio 🏡📈

Another refinance closed—and this one was all about leveraging the equity in an existing investment property to keep building the portfolio.

We utilized DSCR lending, which made the process simple because there’s no traditional personal income qualifying.

Instead, the loan looks at the property itself—specifically, whether the property’s cash flow supports the loan.

For real estate investors, that can open up a much simpler way to leverage the equity they’ve already built and put it toward what’s next.

Investment property → equity → more opportunity. 👏

If growing your real estate portfolio is on your radar, let’s talk about what options might make sense for you.

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner


SouthState Bank

08/25/2026

08/25/2026

Buying the land and then building the home on it? That’s a whole different financing conversation. 👀

Welcome to Chapter 4: Portfolio Construction + Lot Financing.

This one is all about what happens when your plans start with a piece of land — or a set of blueprints — instead of a For Sale sign.

SouthState Bank’s Portfolio Construction + Lot Financing gives you options for both sides of that plan.

Maybe you’ve found the perfect lot but you’re not quite ready to build yet.

Or maybe the plans are drawn, the builder is ready, and it’s time to turn that empty lot into HOME.

Here’s where the financing comes in:
🏡 Lot loans available up to $1.5 million
🏡 Buy the land now and build when you’re ready
🏡 Construction financing up to 90% of the home’s value, depending on qualifications
🏡 One application + one closing for construction
🏡 And after the construction period, the loan converts to permanent financing

There are even options for major renovations, additions and rebuilds — because “building your home” doesn’t always mean starting from an empty lot.

The big picture?

You don’t necessarily have to find a house that checks every box.

Sometimes you find the land. Make the plan. And build the one that does.

Next up, we’re stepping outside traditional mortgages again and getting into Bridge Loans, HELOCs + other relationship banking solutions. 👀

Thinking about buying land, building or taking on a major renovation? Let’s figure out what financing the plan could look like. 🙋‍♀️

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner

08/21/2026

What if qualifying for a mortgage had less to do with what comes in every month… and more to do with what you’ve already built? 👀

That’s where Chapter 3 comes in: Portfolio Liquidity Prime.

This one is built for borrowers with significant liquid assets whose financial picture may not translate neatly into a traditional debt-to-income calculation.

Instead of qualifying based on a traditional DTI ratio, Portfolio Liquidity Prime allows eligible borrowers to qualify using verified liquid assets — things like checking and savings accounts, stocks, bonds, mutual funds and eligible retirement accounts.

In other words: the financial strength is there. This program just gives us another way to look at it.

A few things to know:
💸 7/1 adjustable-rate mortgage
💸 Purchase, refinance and cash-out refinance options
💸 Available for primary and secondary residences
💸 Minimum credit scores can start at 680, depending on loan amount and LTV
💸 Designed to support larger loan amounts and more complex financial structures

For retirees, investors and high-net-worth borrowers especially, that can open up a very different conversation around qualifying.

Because income isn’t always the only way to tell someone’s financial story — and sometimes the assets you’ve spent years building deserve a seat at the table, too.

Next up: we’re moving from buying the home to building it — with Portfolio Prime Construction + Lot Financing. 🏡🔨

Think your assets might open up another path to financing? Let’s see what your options look like. 🙋‍♀️

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner

08/21/2026

The One Where the Dog Got an Upgrade Too 🐶🏡

There comes a point when condo living just doesn’t quite fit anymore… especially when one member of the household could really use a backyard. 👀

My client was ready for a little more room, and this beautiful home in was exactly the kind of next step they were looking for—more space to settle in, spread out and, most importantly, plenty of room for the family’s real main character. 🐾😉

So happy I got to help make this next chapter happen for my sweet client!

And of course, it couldn’t have happened without a great team. So, a big thank you to Elle Fergus Calkins Fergus Real Estate Group with Dorsey Alston Realtors for being such a wonderful partner throughout the process.

Here’s to more space, a new set of keys and one very happy pup. 🤝🔑

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner

08/18/2026

You can spend years building a career in medicine… and still run into a mortgage process that doesn’t quite account for what that career actually looks like. 👨‍⚕️👩‍⚕️

That’s where Chapter 2 of our series comes in: the Portfolio Physician Loan.

Designed specifically for eligible medical professionals, including MDs, DOs, dentists and veterinarians, this program offers a different path to home financing — and even physicians currently in residency may be eligible.

One of the biggest differences? The upfront numbers. 👀

🩺 Up to 100% financing on eligible primary-residence loans up to $2 million
🩺 No private mortgage insurance (PMI)
🩺 Financing options for primary and secondary residences
🩺 Loan amounts up to $3 million, depending on LTV and qualifications

That combination can make a pretty meaningful difference — especially when you consider that putting less than 20% down would typically mean paying PMI.

And that’s really the point of these portfolio programs.

Different financial situations call for different financing options — and sometimes there’s an option available that you simply didn’t know existed.

If you’re a physician, dentist or veterinarian — or you’re working with one who’s planning a move — the Portfolio Physician Loan may be worth knowing about.

Chapter 2 down. 🤝

Next up, we’re getting into Portfolio Liquidity Prime and how eligible assets can play a different role in financing your home.

Have questions about the Physician Loan or whether it could fit your situation? Let’s take a look. 🙋‍♀️

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner

08/13/2026

You can have a strong financial picture… and still not look quite as straightforward on paper as a traditional mortgage wants you to. 👀

That’s exactly why I wanted to start this series with Portfolio Prime.

For some borrowers, income alone doesn’t tell the whole story.

🤔 Maybe you’ve built substantial assets over the years.
🤔 Maybe you’re retired.
🤔 Maybe a large portion of your wealth is invested rather than coming through a traditional paycheck.

Portfolio Prime gives eligible borrowers another way to look at the bigger financial picture by allowing qualifying assets to be considered as part of the qualification process.

And there’s quite a bit of flexibility built into the program:

💸 Financing options up to $10 million, depending on LTV and borrower qualifications
💸 A 7/1 adjustable-rate structure
💸 Cash-out refinance options
💸 And different loan-to-value and credit requirements depending on the loan amount

Basically, it’s another reminder that qualifying for a mortgage doesn’t always have to fit neatly inside the traditional box.

If you have the assets but your income on paper doesn’t quite tell the full story, this may be an option worth knowing about.

And this is only Chapter 1. 😉

We’ll be breaking down even more of the financing options available through SouthState Bank throughout this series.

Have questions about Portfolio Prime or whether it could fit your situation? I’m always happy to talk through it with you. 🙋‍♀️

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner

08/05/2026

What excites me most about SouthState Bank is simple...

It’s having even more ways to help the people I serve. 🤝

No two borrowers are exactly alike.

Every financial picture is different, and every home financing journey comes with its own goals and challenges.

That’s why having the right resources behind me matters. It means having more opportunities to find solutions that truly fit each client’s needs.

From portfolio lending and specialty products to Premier Approval, local decision-making, convenient remote closings, and more, I have even more ways to help my clients find the financing strategy that best fits their unique situation.

It gives me more flexibility to meet people where they are, look beyond a one-size-fits-all approach, and help them move forward with confidence.

At the end of the day, that’s what has always mattered most to me: having the tools, resources, and support to serve my clients well and help them make confident decisions—no matter where they are on their homeownership journey. 🙌

𝐆𝐮𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐳𝐞𝐝 𝐜𝐚𝐫𝐞 𝐚𝐧𝐝 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞, 𝐉𝐚𝐧 𝐖𝐚𝐠𝐧𝐞𝐫 - 𝐘𝐨𝐮𝐫 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩 𝐋𝐞𝐧𝐝𝐞𝐫.

📲 678.525.1486
📧 [email protected]
🔗 Apply Now: southstatebank.com/janwagner