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Matt Elston FHA, VA, USDA & Conventional Home Loans

Mortgage rates change daily, and the reasons why can feel complicated. The short version: rates are influenced by broade...
10/16/2026

Mortgage rates change daily, and the reasons why can feel complicated. The short version: rates are influenced by broader economic factors, including inflation, the Federal Reserve, and bond markets. What matters most for you is locking in the right rate at the right time. Let's talk about where rates are and what that means for your buying power.

https://www.SouthStateBank.com/MattElston

When inventory is tight, some buyers decide to build instead. Our Construction Loan offers one-time close, flexible disb...
10/16/2026

When inventory is tight, some buyers decide to build instead. Our Construction Loan offers one-time close, flexible disbursements, and up to 90% financing - plus a Construction Liquidity option for asset-strong buyers who don't qualify through traditional income documentation. Let's connect so you can offer your clients more options.
Learn more at SouthStateBank.com/ConstructionLoans

https://www.SouthStateBank.com/MattElston

When your buyer wants to build, don't let financing be the roadblock. Our Construction Loans offer one-time close, flexi...
10/15/2026

When your buyer wants to build, don't let financing be the roadblock. Our Construction Loans offer one-time close, flexible disbursements, and up to 90% financing, plus a Liquidity option for asset-strong buyers who don't qualify the traditional way. Let's connect so you can offer your clients more.

Learn more at SouthStateBank.com/ConstructionLoans

https://www.SouthStateBank.com/MattElston

Mortgage underwriting is the final review before your loan receives full approval. An underwriter will review your incom...
10/15/2026

Mortgage underwriting is the final review before your loan receives full approval. An underwriter will review your income, assets, credit, and the property appraisal. You may receive conditions, which simply means more documentation is needed to finalize approval. The fastest way through underwriting is to submit complete documents, respond quickly, and avoid moving large sums of money without discussing it first. However, most delays happen from missing paperwork.

https://www.SouthStateBank.com/MattElston

With one payment every month and one lease every year, renting can feel simple. But there's a tradeoff. Your payment eac...
10/15/2026

With one payment every month and one lease every year, renting can feel simple. But there's a tradeoff. Your payment each month doesn't build equity, your rent can increase with each passing year, and you have limited control over the property.
But, when you own your home, that shifts the equation.
A fixed-rate option can create payment stability and your monthly payment build equity over time. Plus, you control improvements and long-term value.
Homeownership isn't for everyone, because it requires planning and commitment. But for many, it becomes the foundation for financial security.
If you're renting right now, have you compared your current rent to what ownership might look like?

https://www.SouthStateBank.com/MattElston

Low inventory does not have to stall your pipeline. Our construction loan opens the door for buyers who:- Can't find the...
10/14/2026

Low inventory does not have to stall your pipeline. Our construction loan opens the door for buyers who:
- Can't find the right home
- Want specific layouts or features
- Need structured draw schedules
- Want to live in a specific part of town
This program allows one-time closing, streamlining the transition from construction phase to permanent financing. It creates opportunities in markets where resale inventory is tight.
Which buyers in your database would benefit from building instead of continuing to compete?

https://www.SouthStateBank.com/MattElston

Worried about qualifying for a mortgage? Whether it's concerns about income, debit, credit, or down payment costs, you'r...
10/13/2026

Worried about qualifying for a mortgage? Whether it's concerns about income, debit, credit, or down payment costs, you're not alone.

At SouthState we offer a variety of mortgage programs, including options with 0% down payment and solutions for those with lower credit scores. Don't discount yourself just yet!

The best way to know for sure is to have a conversation with me about your financial situation. If we discover now is not the right time, I can connect you with resources to you with credit, budgeting, or anything else you need. Let's find the best path to homeownership together.



https://www.SouthStateBank.com/MattElston

Investments in technology have allowed us to review loans quicker, allowing us to have quicker turn times. We have recen...
10/09/2026

Investments in technology have allowed us to review loans quicker, allowing us to have quicker turn times. We have recently been able to shave 4 business days off of the initial loan review, getting mortgage loans to closing quicker. Contact me today to get started!

https://www.SouthStateBank.com/MattElston

A lake house, a beach condo, or a mountain retreat can be closer than you think. SouthState offers several ways to finan...
10/08/2026

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.

Address

Charlotte, NC
28209

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 6pm

Telephone

+18034128617

Website

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