Derek Horton, Upstate Mortgage Lender

Derek Horton, Upstate Mortgage Lender Derek is an experienced banker passionate about advising his clients on the best financial options a NMLS # 1027269

Derek is an experienced banker who is passionate about advising his clients on the best financial options available. He enjoys helping to create an outstanding experience for each client offering step by step guidance through the mortgage process. Derek is actively involved in the community as a board member of Opportunity Greenville and the Public Safety Review Board. He enjoys traveling, rock climbing, and exercising in his free time.

06/02/2026

There are a number of ways to make quicker progress on your mortgage payment. This is one example. Do a quick google search to find more creative ways to pay less interest on your mortgage

05/29/2026

Can you kibosh a kibosh? I’m trying. Keeping underwriters in check 😅

05/18/2026

House prices are high. What can I do? Here are 3 things that might help. 🏡

05/12/2026

Calling around for rates is a waste of time🏡

04/30/2026

🏡 Attention all home buyers! Mistakes to AVOID when purchasing your dream home! 🔁🚫

🔴 1. Ignoring the importance of a budget:
Before you start your house-hunting adventure, set a realistic budget that includes not only the purchase price but also other expenses like closing costs, maintenance, and potential renovations. Stick to your budget to avoid financial stress down the road! 💰💡

🔴 2. Skipping the pre-approval process:
Don’t underestimate the value of getting pre-approved for a mortgage! It helps you understand your borrowing capacity, strengthens your negotiation power, and speeds up the buying process. Start by talking to lenders to get a clear picture of your financial standing. 🏦💪

🔴 3. Overlooking additional costs:
Remember, buying a home entails more than just the purchase price. Don’t forget to factor in property taxes, homeowners insurance, HOA fees (if applicable), and potential increase in utility bills. Being aware of these costs will help you plan your finances better. 💡💰

🔴 4. Neglecting a thorough home inspection:
While that house may look picture-perfect, never skip a professional home inspection. It can uncover hidden issues like structural problems, plumbing or electrical faults, or pest infestations. A thorough inspection will save you from potential headaches and unexpected expenses. 🕵️‍♀️🔍💡

🔴 5. Rushing the decision-making process:
Take your time and don’t rush into a decision. Research the neighborhood, evaluate the property’s resale potential, and consider your long-term plans. Buying a home is a big commitment, so make sure it aligns with your lifestyle and future goals. 🕒🏡

04/27/2026

Homeowners, ask your bank about setting up a HELOC🏡

04/24/2026

The rate is not always the most important part of a mortgage. Pay attention 🏡

04/20/2026

Mostly it comes down to hiring the right lender🏡

04/15/2026

While the average size of new US houses has increased each decade, the average household size has been declining over that period, from 3.01 persons per household on average in 1973 to a new record low of 2.58 persons per household🏡

Address

100 Verdae Boulevard Suite 100
Greenville, SC
29607

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