Matt Elston

09/03/2026

Closing costs cover more than just the purchase price of your home. They typically include lender fees, title and settlement charges, appraisal and recording fees, and prepaid items like homeowners' insurance and property taxes. Your Loan Estimate will lay these out in detail once you apply, so you can plan your budget with clear numbers rather than guesswork. If anything on that document is unclear, your mortgage banker is there to walk through it line by line.

09/02/2026

If you are dreaming of a custom-built home rather than searching an through inventory that may not have what you want, a construction loan could be worth exploring. These loans are designed to finance the building process itself, with funds released in stages as work is completed, and many programs can convert to permanent financing once the home is finished, which means potentially one closing instead of two. A mortgage banker can walk you through how the draw schedule and qualification process work for your specific project.

09/02/2026

A quick credit review early in the process can save everyone time later. When a buyer understands their credit picture before they start touring homes, showings tend to move faster, and offers come together with fewer surprises. Feel free to send buyers my way for a no-pressure conversation about where they stand and what programs might fit them.

09/01/2026

National Preparedness Month is a good reminder to take stock of your home's readiness for the unexpected. Consider putting together a basic emergency kit, reviewing your homeowner's insurance coverage, and keeping copies of important documents like your mortgage statement, insurance policy, and deed somewhere safe and easy to access, including a digital copy. A little organization now can save a lot of stress later.

09/01/2026

08/31/2026

We are excited to partner with North Carolina Housing Finance Agency to help make homeownership more attainable. NCHFA offers down payment assistance to first-time and move-up buyers. Learn more about these programs on the NCHFA website (https://www.nchfa.com/home-buyers) or give us a call to learn more!

08/28/2026

Dreaming of Affordable Homeownership? We understand that the down payment can often be a significant hurdle. We are proud to partner with CommunityWorks to offer their down payment assistance program to eligible buyers. Let us guide you towards affordable homeownership.
Contact us today or visit bit.ly/CommunityWorksCarolina to discover how CommunityWorks can turn your dreams into keys to your new home!

https://www.SouthStateBank.com/MattElston

08/27/2026

Don't let your dream be deterred. Check out our list of down payment assistance programs available throughout the : https://bit.ly/3DdcWvJ

08/26/2026

A lake house, a beach condo, or a mountain retreat can be closer than you think. SouthState offers several ways to finance a second home, including portfolio loans with no monthly mortgage insurance, physician loan options for eligible medical and dental professionals, construction loans for building or renovating a getaway property, and conventional and jumbo financing for a range of price points. Every buyer's situation is different, so let's talk about which path fits yours.

08/25/2026

With a Physician Loan at SouthState, we demonstrate our faith in you by offering home financing to meet your unique needs.

https://www.SouthStateBank.com/MattElston