Kip Murphy, NMLS #474210

Kip Murphy, NMLS #474210 Committed to ensuring confidence throughout your mortgage process, every step of the way! Government. All trademarks are property of their respective owners.

Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust.

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Silverton Mortgage | NMLS 1561
Kip Murphy | NMLS 474210

Apply now: https://silvertonmortgage.com/kipmurphy/
LICENSING LINK: https://silvertonmortgage.com/licensing/

Silver

ton Mortgage is authorized to originate FHA, VA, and USDA loans, but it is not an agent of, or affiliated with, the U.S.

Here’s to the workers, builders, dreamers, and doers who make it all happen. Hard work builds more than careers. It buil...
09/07/2026

Here’s to the workers, builders, dreamers, and doers who make it all happen. Hard work builds more than careers. It builds stronger communities, creates opportunities, and helps make homeownership attainable. Happy Labor Day!

Homeownership doesn’t look the same for everyone. 🏡 Attainable homeownership starts with financial readiness and finding...
09/03/2026

Homeownership doesn’t look the same for everyone. 🏡

Attainable homeownership starts with financial readiness and finding an approach that fits your life and goals.

Whether you’re just starting to think about buying or wondering if you’re ready now, I can help you find the path that works for you to get home.

Let’s talk about what’s possible. Take the first step. Reach out and let’s discuss your options!

www.silvertonmortgage.com

A house is just the beginning. Home is the place where life unfolds. The hard days, the celebrations, the quiet moments,...
08/31/2026

A house is just the beginning. Home is the place where life unfolds. The hard days, the celebrations, the quiet moments, and the memories you’ll carry forever.

Want to learn what it takes to get there? Let’s start the conversation. Send me a message!

www.silvertonmortgage.com

08/27/2026

This one's a little trickier!

PITI stands for:

• Principal – Pays down the loan balance.
• Interest – The cost of borrowing money.
• Taxes – Property taxes that may be included in the monthly payment.
• Insurance – Homeowners insurance, and sometimes other required insurance.

When people talk about a monthly mortgage payment, they're often referring to the full PITI payment, not just the principal and interest.

www.silvertonmortgage.com

Coffee. Calls. Contracts. Closings. Repeat. ☕📞📄🔑 Take a peek at what a day in the life of a Mortgage Loan Originator lo...
08/24/2026

Coffee. Calls. Contracts. Closings. Repeat. ☕📞📄🔑

Take a peek at what a day in the life of a Mortgage Loan Originator looks like... one emoji at a time! Swipe through and let me know what slide is relatable to you.

www.silvertonmortgage.com

08/20/2026

Did you know this one?

PMI stands for Private Mortgage Insurance.

PMI is typically required on many conventional loans when the down payment is less than 20%.

It helps protect the lender if the loan goes into default, allowing many buyers to purchase a home sooner without waiting to save a full 20% down payment.

Depending on the loan and payment history, PMI may be removed later once certain equity requirements are met.

If this raises any questions, let’s chat! Send me a message.

www.silvertonmortgage.com

08/17/2026

Leveling up isn't just for video games. Every great game rewards progress, and homeownership is no different.

One of the long-term rewards of homeownership is building equity. Equity is the difference between a home's value and the amount still owed on the mortgage. As mortgage payments reduce the loan balance, that ownership stake can grow over time.

It's not an instant power-up, but every payment can be another step toward building long-term value.

www.silvertonmortgage.com

08/13/2026

How'd you do?

LTV stands for Loan-to-Value Ratio.

It compares the amount being borrowed on the loan to the home's value.

For example, buying a $300,000 home with a $30,000 down payment means borrowing $270,000, resulting in a 90% LTV.

LTV helps lenders evaluate risk and can affect loan options, mortgage insurance requirements, and available financing programs.

Comment below if you got this one right!

www.silvertonmortgage.com

Busy doesn't always mean productive. If you're a real estate professional constantly juggling leads, client communicatio...
08/10/2026

Busy doesn't always mean productive. If you're a real estate professional constantly juggling leads, client communication, transactions, marketing, and business development, this webinar is for you.

Join Corey Knight for the next The Selling Point webinar and discover how identifying your highest-priority activity can help you eliminate distractions, improve your time management, make better decisions, and focus on the work that drives the biggest results.

Don't miss this opportunity to sharpen your focus and grow your business with intention.

📅August 18th at 10 AM

Register now to save your spot: https://bit.ly/3TdbyV1

08/06/2026

Did you guess correctly? 👏

DTI stands for Debt-to-Income Ratio.

It's a number lenders use to compare monthly debt payments to gross monthly income. This helps determine whether a buyer can comfortably take on a mortgage payment.

A lower DTI generally means more room in the budget, but ratios vary depending on the loan program. Even if DTI seems high, there may be options worth exploring. I can help identify programs that may fit.

Send me a message and let’s calculate your DTI!

www.silvertonmortgage.com

Address

170 Meeting Street, Suite 110
Charleston, SC
29401

Telephone

+18039203470

Website

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