Eli Cooper Sr. Loan Officer NMLS 75859

09/07/2026

Happy Labor Day! Wishing you and your family a safe and happy holiday.

09/04/2026

Rates moved higher during the week ending September 4, 2026, due to rising bond yields and expectations of a possible September Fed policy rate hike. Granite Bank is an Equal Housing Lender.

Markets in a Minute

09/03/2026

MANUFACTURED HOMES!!!!! I now do the following. This is HUGE for manufactured lending for the right folks!

1). I can do leased land manufactured homes. Ask me how.
2). I can do manufactured homes that have been moved from their original location. This is HUGE.
3). I can do a manufactured home cash-out/debt consolidation/equity loans on 30 year terms. Previously restricted to 20 year terms.
4). I can do RENOVATION loans on manufactured homes. Also HUGE.
5). I can do new construction manufactured homes with land acquisition.
6). As above…own land and want a manufactured home on it it? I do this also.
7). Side note -  I apologize for NOT using AI for something I actually did not create just to make it look “cooler.” 🤪. 

09/02/2026

Which mortgage option fits your homeownership goals? Fixed-rate loans offer stability with predictable payments, while adjustable-rate loans may start with a lower rate that can adjust over time. Your future plans for the home can help determine which path is right for you. Reach out to learn more about your mortgage options.

08/31/2026

I’m now fully lending non-brokered mortgage products in Maine, Connecticut, Rhode Island and New Jersey. I know we have a lot of folks, especially realtors that work relocations in these states here in SC. I would love to help bridge the gaps, including the industry’s most affordable bridge loan options with my Cash To Win option that is proprietary to Granite Bank. A phone call and a five minute conversation can save folks thousands and even help break all contingencies. Please reach out for more info. (843) 603-FUND (3863) or DM me. Happy to assist. I can help in all 50 states!

08/31/2026

Need to buy before selling your current home? The DTI Eliminator program may help eligible buyers qualify for a new home purchase without including their current mortgage payment in the debt-to-income calculation, subject to program guidelines and qualification requirements. Individual results vary, and mortgage approval remains subject to application, underwriting, and credit approval. Contact me to learn more.

08/29/2026

Not all assets are valued the same way during the mortgage process. Stocks, mutual funds, stock options, and government bonds may be considered differently when calculating reserves. Understanding how your assets are evaluated can help you prepare for home financing. Contact me to learn more.

08/28/2026

Rates improved slightly during the week ending August 28, 2026, despite a report showing stubbornly high inflation. Granite Bank is an Equal Housing Lender.

Markets in a Minute

08/27/2026

Do you know the difference between being pre-qualified and pre-approved? Check out the blog post on my website to learn more.

08/25/2026

Many veterans and service members are surprised to learn they may qualify to buy a home with no down payment and no monthly PMI. Let's discuss what benefits may be available to you.