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Josh Congdon, Integrity Home Mortgage Corporation, NMLS #2444135

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Josh Congdon, Integrity Home Mortgage Corporation, NMLS #2444135

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Josh Congdon, Integrity Home Mortgage Corporation, NMLS #2444135, Financial service, Columbia, SC.

Josh Congdon | NMLS ID # 2444135
Mortgage Loan Originator

Integrity Home Mortgage Corporation | NMLS ID #208516
Equal Housing Lender

Company Disclaimer Link Below
https://ihmcloans.com/disclaimer/
https://linktr.ee/JoshCongdon

05/27/2026

Opening Doors to Homeownership with Our No Ratio Home Loan Program!

Not every borrower fits into the traditional mortgage box — and that is okay.

Our “No Income No Employment” loan program is designed for borrowers who may have strong assets or credit, but limited income documentation or unique financial situations. This program does not use traditional debt-to-income ratios for qualification.

Perfect for:

Self-employed borrowers
Commission or GIG workers
Influencers, artists & vloggers
Online or cash-based business owners
Borrowers with strong credit but higher debt levels

Program highlights include:

Fixed & ARM options available
No personal income or employment verification required
First-time homebuyers welcome
Gift funds allowed
Loan amounts up to $2M for qualified borrowers
Eligible for primary and second homes

Because homeownership should not be one-size-fits-all. Let’s explore solutions that work for your unique financial picture.

Minimum loan requirements may apply. Program not available in DC, MD, PA, or WV.

Integrity Home Mortgage Corporation serves as a mortgage broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this program. For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend.

Joshua Robert Congdon
[email protected]
(360) 349-9601

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

05/26/2026

When buying a home, you may hear different terms related to “mortgage insurance.” While they sound similar, they serve different purposes depending on your loan type. Here is a quick breakdown:

Private Mortgage Insurance (PMI)
Typically required on Conventional loans when putting less than 20% down. PMI protects the lender — not the borrower — but it helps buyers purchase sooner with a lower down payment. The good news? PMI can often be removed once enough equity is built in the home.

FHA Mortgage Insurance Premium (MIP)
FHA loans require mortgage insurance regardless of down payment amount. FHA loans are popular for first-time homebuyers because they offer flexible qualification guidelines and lower down payment options.

VA Funding Fee
VA loans do not require monthly mortgage insurance, which is a huge benefit for eligible Veterans and active-duty service members. Instead, there is typically a one-time VA Funding Fee that may be financed into the loan amount in many cases. Some Veterans may qualify for an exemption.

USDA Guarantee Fee
USDA loans also do not have traditional mortgage insurance, but they do include upfront and annual guarantee fees to help support the program. USDA loans are designed for eligible rural areas and may offer 100% financing.

Homeowners Insurance
This is different from mortgage insurance and is required on all mortgage loans. Homeowners insurance helps protect your property against damage, theft, and certain losses.

Every loan program is different, and understanding the costs upfront can help you choose the best option for your financial goals. Have questions about which loan program may be right for you? Let’s talk!

For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend.

Joshua Robert Congdon
[email protected]
(360) 349-9601

05/25/2026

As we spend time with family and friends this Memorial Day, we also take time to reflect and remember the brave individuals whose sacrifice will never be forgotten.

Joshua Robert Congdon
[email protected]
(360) 349-9601

05/21/2026

Waiting Could Cost More Than You Think…

Many buyers are holding off because they’re waiting for rates to “drop more” — but the reality is that when rates fall, competition often rises.

Getting pre-approved NOW puts you in position to:

Know your budget
Strengthen your offer
Move quickly when the right home appears
Explore programs you may not even know exist

Pre-approval doesn’t lock you into buying today — it simply prepares you for when the time is right.

Your future home could come faster than you think.

Equal Housing Lender.
All mortgage loan applications are subject to underwriting and qualification guidelines.

Joshua Robert Congdon
[email protected]
(360) 349-9601

05/19/2026

Did You Know? The One+ Program Could Help You Buy a Home with Just 1% Down!

The One+ Mortgage Program was designed to help make homeownership more accessible for qualified buyers. Features include:

Minimum 1% down payment
2% grant available (no repayment required)
Reduced mortgage insurance
Primary residence only
Credit scores starting at 620
Maximum loan amount of $350,000

Plus, borrowers may start with 3% equity thanks to the 2% grant assistance.

Reach out today to see if you qualify and discuss your options!

For informational purposes only. All applicants subject to underwriting and qualification guidelines.

This is not a commitment to lend.

Integrity Home Mortgage Corporation serves as a mortgage loan broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program.

Joshua Robert Congdon
[email protected]
(360) 349-9601

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

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05/18/2026

Market Update: Why Buyers Are Starting to Pay Attention Again

Even with today’s market shifts, buyers are finding opportunities! More homes are hitting the market in many areas, giving buyers more choices and stronger negotiating power than we’ve seen in recent years.

Plus, there are loan programs, seller-paid buydowns, and down payment assistance options that can help make homeownership more affordable.

The key? Having a strategy and the right mortgage team guiding you through your options.

Let’s talk about what today’s market could mean for YOU.

Equal Housing Lender.
All applicants subject to underwriting and qualification guidelines. This is not a commitment to lend.

Joshua Robert Congdon
[email protected]
(360) 349-9601

05/14/2026

Mortgage Trend Alert: What We’re Seeing Right Now

Rates are holding steady—and buyers are adapting, not waiting.

After recent Fed decisions, mortgage rates have been hovering with only modest movement expected in the near term. So what does that mean for today’s market?

Buyers are adjusting!

Many are moving forward now and planning to refinance later if rates improve.

Flexible financing options are on the rise

Buydowns, ARMs, and seller incentives are helping improve affordability and lower upfront costs.

Affordability is shaping decisions

Buyers are exploring lower down payment options, down payment assistance, and focusing more on monthly payment.

Activity is picking up

We’re seeing more applications, increased buyer activity, and slight improvements in inventory.

Bottom line: The biggest trend right now isn’t just rates—it’s strategy.

Joshua Robert Congdon
[email protected]
(360) 349-9601

05/12/2026

Your home’s equity could be a powerful tool — the key is understanding which option fits your goals best.

A HELOC offers flexible access to funds as you need them, while a Home Equity Loan provides a one-time lump sum with predictable payments. Both can help you tackle big expenses, renovations, debt consolidation, and more — just in different ways.

Not sure which option makes the most sense for you? Our team is here to help guide you through it!

Joshua Robert Congdon
[email protected]
(360) 349-9601

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.
*Integrity Home Mortgage Corporation serves as a mortgage loan broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program.

05/11/2026

Think you need 20% down to buy a home? Think again.

There are more options available than most buyers realize—and some may require little to no money upfront.

Here’s a quick breakdown:

0% Down Options

VA and USDA loans offer 100% financing for qualified buyers.

Low Down Payment Options

FHA loans can start as low as 3.5% down, with some conventional options as low as 3%.

Down Payment Assistance (DPA)

Many programs can help cover your down payment and even closing costs—some buyers may qualify to bring very little to closing.

Keep in mind: Programs vary by state and qualification depends on credit, income, and property type.

Bottom line: You may not need a large down payment to get started.

If you want to see what you might qualify for, let’s connect.

Joshua Robert Congdon
[email protected]
(360) 349-9601

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA, USDA/RD, VA or the Federal government.

05/10/2026

Happy Mother’s Day to all the incredible moms and mother figures we’re celebrating today!

Thank you for the love, guidance, and warmth you bring to your families and communities. Home is made so much sweeter because of you.

Wishing you a day filled with joy, love, and time with those who matter most.

Joshua Robert Congdon
[email protected]
(360) 349-9601

Address

Columbia, SC

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

https://ihmcloans.com/josh-congdon/

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