Chuck Reed - "The Barefoot Lending Team"

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Bluffton, SC
Chuck Reed - "The Barefoot Lending Team"

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Branch Manager at Intercoastal Mortgage, LLC
LO NMLS - #189915
ICM NMLS - #56323
Equal Housing Opportunity
https://activecomp.ly/nmls/189915

Chuck Reed’s extensive knowledge of the local markets in Hilton Head, Savannah, Richmond Hill, and Charleston allows him to make the best decision when assisting clients in choosing a home loan. Whether a retirement home, vacation home, or permanent relocation, Chuck is ready to help you "Live the Dream in the Low Country or Coastal Empire. During his 20 years of experience as a mortgage professional, he has been involved with over 750 million dollars in funded loans. He has experienced many mortgage trends and helped secure financing for first time buyers, high net worth borrowers, salary borrowers and self-employed borrowers, all of whom needed unique and customized solutions. Chuck prides himself on building his business on referrals, and therefore maintaining his relationships with integrity is his highest priority. He served in the U.S. Navy for 7 years, and was Honorably Discharged. Chuck is truly passionate about guiding his clients through a seamless mortgage process. With each customer’s desires and goals as his top priority, Chuck will help you secure financing for your dream home!

10/16/2026

Listing photos show you the pretty stuff. But what about everything you can't see? Behind those freshly painted walls could be outdated wiring. Under that beautiful landscaping could be drainage issues. And above that stunning ceiling could be an aging roof.

It's easy to fall in love with a home's appearance, but understanding its condition is just as important. That's why home inspections, doing your due diligence, and asking the right questions matter. Taking the time to look beyond the surface can help you avoid unexpected surprises and make a more informed decision.

10/14/2026

You don’t need to have all the answers before talking to a lender. That’s what the conversation is for!

Start by asking questions and be ready to discuss your income, debts, savings, credit history, goals, and timeline. These details help your lender better understand your financial picture and explain the options that may be available to you.

The first conversation is about learning what’s possible, understanding your next steps, and creating a plan that works for you. A few simple questions can go a long way in helping you feel more confident about your home buying journey.

10/08/2026

Nothing says “spooky season” like checking your credit and discovering something you didn’t expect. Late payments, high balances, new accounts, errors, or accounts you don’t recognize can all be worth investigating. If homeownership is one of your goals, make checking in on your credit part of your financial routine.

And remember: if you’re preparing to apply for a mortgage, talk with your mortgage professional before making major changes to your credit or finances. A little financial awareness can go a long way toward keeping the scary surprises away.

10/07/2026

Some things are scary because they go bump in the night. Others are scary because they show up during the home buying process.

Unexpected costs, credit surprises, missing paperwork, last-minute changes, or buying more house than your budget comfortably allows can turn an exciting experience into a stressful one. The good news? A little preparation can keep many mortgage nightmares from becoming reality.

Know your numbers. Ask questions. Understand your options. And don’t be afraid to talk to your mortgage professional before making a big financial move. Because the only thing haunting your home buying journey should be the Halloween decorations.

10/01/2026

What kind of homebuyer are you? Are you the Planner who has a spreadsheet for everything? The Dreamer who already has a Pinterest board for every room? The Researcher who has read every mortgage article on the internet? Or the “I have no idea where to start” buyer? Maybe you’re a little bit of all four.

Wherever you are in the process, having the right information can make all the difference. Our team is here to help you understand your options and feel confident about what comes next.

09/29/2026

Principal and interest are two key parts of understanding your mortgage.

Principal is the amount of money you borrowed to purchase your home. As you make payments toward the principal, you reduce the amount you owe on your loan.

Interest is the cost of borrowing that money. It’s calculated based on your loan balance and interest rate, and the amount going toward interest versus principal can change over the life of the loan.

Your monthly mortgage payment may also include other costs, such as property taxes or homeowners' insurance. Knowing where your payment goes can make your mortgage feel a little simpler and help you better understand your loan.

09/25/2026

The end of September is coming, making it a great time for a financial reset! Take a few minutes to clean out more than your closet: review subscriptions, recurring expenses, old accounts, spending habits, and savings goals. You may find expenses you’ve outgrown or money that could be put to better use. Redirecting even a small amount each month can help you make progress toward a future down payment, emergency fund, or other financial goal.

09/23/2026

Just because you qualify for a certain loan amount doesn’t mean you need to spend that much. Your ideal home price should fit comfortably within your broader financial goals, not just the maximum a lender says you can borrow.

Consider the full cost of homeownership, including taxes, insurance, maintenance, and utilities. Choosing a home below your maximum budget can give you more room to save, invest, pay down debt, and handle unexpected expenses.

09/17/2026

Before closing, think twice about making major financial moves that could impact your mortgage approval. This includes opening new credit accounts, moving money around, or changing jobs without discussing it with your mortgage professional first.

Even a decision that seems harmless can affect your credit, debt-to-income ratio, or overall loan qualification. The best approach is to keep your financial situation as stable as possible until you’re officially at the closing table. When in doubt, ask before you act. A quick conversation with your mortgage professional can help you avoid unnecessary surprises and keep your home buying journey moving smoothly.

09/15/2026

Your credit score is certainly important, but it’s just one piece of the mortgage puzzle. Lenders may also consider your income, debts, assets, employment history, credit history, debt-to-income ratio, and overall financial picture when evaluating your loan application.

That’s why two people with similar credit scores can sometimes have very different mortgage options. Your complete financial profile helps lenders understand your ability to repay the loan and determine which programs and terms may be a good fit. So, if your credit score isn’t exactly where you’d like it to be, don’t automatically assume homeownership is out of reach. And if your credit score is strong, remember that there are still other factors that matter.

Address

110 Traders Cross, Second Floor
Bluffton, SC
29909

Telephone

+6094424185

Website

http://www.thebarefootlender.com/

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