Ashlee Fowler

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Ashlee Fowler, Loan Officer, NMLS ID # 2098067 | Renasant Bank

Atlantic Coast Mortgage, LLC is an Equal Housing Lender, Company NMLS ID #643114 (www.nmlsconsumeraccess.org)

09/16/2026

That $400 couch is not worth your closing date 🛋️

Financing furniture before you close changes your debt to income ratio, and lenders re run your credit right before funding. I have watched deals fall apart over a living room set.

Buy nothing big until you have the keys in your hand. Then go furniture shopping.

Questions about what counts as a big purchase? Send me a message 💗
Charleston mortgage lender | first time home buyer tips | debt to income ratio | what not to do before closing | Charleston SC home loans

09/14/2026

Somebody told you that you need 20% down and you believed them. 👀

I get it. It gets repeated so often that it starts to sound like a rule.

But it was never a rule. It's just the number where mortgage insurance goes away. That's the whole thing.

Most of my buyers put down far less than 20%, and some put down nothing at all depending on the loan. 🏡

Swipe through, then send me a message. I'd rather look at your real numbers with you than have you keep guessing at them. 🤍
charleston mortgage lender | first time home buyer charleston sc | low down payment loans | 20 percent down myth | fha loan south carolina | va loan charleston | how much do i need to buy a house

08/27/2026

Just making sure we’re not letting the headlines make all the decisions. 👀

There’s a lot more to buying a home than just the interest rate and sometimes the right strategy matters.

Seller credits, negotiating the purchase price, choosing the right loan program, timing your first payment… these are the things I want my buyers to actually understand before they make a move.

Because the goal isn’t just to get you a mortgage. It’s to help you make a smart one. 🏡

08/16/2026

Just a lender who keeps it real and has your back. 🤝

08/08/2026

Just a few things I personally find kinda chic 💅🏼

making your own money.
buying the house.
decorating it however you want.
helping your friends do the same.

what did I miss? 🏡✨

08/05/2026

The best loan officers don’t just plug numbers into a calculator—they know how to navigate guidelines, think creatively, and find solutions others might miss.

If someone in your life says, “I don’t think I can buy a home,” send them my way before they count themselves out.

Sometimes all they need is a lender who thinks outside the box. 🏡

📩 DM me or schedule a planning call.

07/30/2026

🚨 Heads up, Realtors… condo financing is changing.

Beginning August 3, many transactions that previously qualified for a Limited Review will now require a Full Project Review.

Then on January 1, reserve funding requirements are expected to increase from 10% to 15% for many condo projects.

What does that mean for your buyers?

• More HOA documentation may be needed.
• Financing timelines could take longer.
• Some condos that qualified before may require additional review.

My biggest piece of advice? Try to check financing before writing an offer. While HOA information isn’t always available upfront (and often requires the buyer to pay for it), having the conversation early can help set expectations and avoid surprises.

📌 Save this post so you have it handy for your next condo transaction.

📤 Share it with another Realtor who works with condo buyers.

💬 Have a condo question? Drop it below, and let’s talk through it.

Address

1435 Stuart Engals Boulevard
Charleston, SC
29464

Telephone

+18642703450

Website

http://www.ashleefowler.princetonmortgage.com/

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