The Home Loan Team

The Home Loan Team TheHomeLoanTeam.com

Whether a first-time homebuyer, military home buyer, selling a home and buying again, getting into investing or looking to refinance your home, The Home Loan Team is here for you.

05/19/2026

A day in the life of Morgan Free wearing her marketing hat! If you can’t already tell…we like to have a little fun! 🥰

If you think your credit isn’t good enough to buy…Read this 👇FHA loans were literally designed for:✔ First-time buyers✔ ...
05/18/2026

If you think your credit isn’t good enough to buy…
Read this 👇

FHA loans were literally designed for:
✔ First-time buyers
✔ Lower down payments
✔ Real life situations (not perfect ones)

But what most people DON’T understand is…
It’s not just about the loan
It’s about how it’s structured

That’s the difference between:
✔ Getting approved
❌ vs getting stuck

👉 Did you know your score on Credit Karma can be off by 40-75 points?

You can’t control tomorrow.But you can control your response today.Release what you can’t carry.Focus on what you can st...
05/18/2026

You can’t control tomorrow.

But you can control your response today.

Release what you can’t carry.
Focus on what you can steward.

Faith isn’t passive.
It’s active trust.

This is one of the most overlooked loan programs…And it’s honestly one of the BEST for the right buyer✔ 0% down✔ No rese...
05/15/2026

This is one of the most overlooked loan programs…

And it’s honestly one of the BEST for the right buyer

✔ 0% down
✔ No reserve requirements
✔ Flexible options most people don’t know about

But here’s the catch…
Not everyone qualifies (and not every area works)

That’s where people get bad info online

If you’ve ever thought:
“I wish I could buy but I don’t have a down payment…”

👉 Apply for your homebuyer consult at HomeLoanGirl.com I’ll tell you if this could work for you

You may see homes. I celebrate stories of families all over the state. 🏡A veteran and his family transitioning to South ...
05/14/2026

You may see homes. I celebrate stories of families all over the state. 🏡

A veteran and his family transitioning to South Carolina at Fort Jackson, finally planting roots after years of serving this country.

A young couple buying their very first home in Moncks Corner, preparing to start their marriage with keys in hand.

Another first-time buyer in Lexington stepping into homeownership for the very first time and stepping into an entirely new chapter of life.

And a past client who trusted me years ago, came back when it was time to make a move to Greenville because once you find someone who actually shows up for you, you do not forget it.

Four families. Four completely different stories. One team that showed up for every single one of them.

This is not just what I do. This is why I wake up and do it every single day. 🙏

If you are buying, relocating, or you have a client who needs someone who will treat their story like it matters, I want to be that person for you. And yes, my services are not limited to location. Wherever life is taking you, I can help get you there. 🏡

📲 Text me directly at 843-998-5045 or visit TheHomeLoanTeam.com to get started.

Only slightly unhinged - TheHomeLoanTeam.com
05/14/2026

Only slightly unhinged - TheHomeLoanTeam.com

05/13/2026

I have seen these disqualify buyers who were already under contract. It is heartbreaking every single time. So I am putting this out there so it does not happen to you. 🙏

5 things that can disqualify you from an SC Housing program:
1️⃣ Owing more than $5,000 to the IRS. Must be paid in full OR on a payment plan with at least 3 payments already made.
2️⃣ DTI over 45%. Strict limit for most programs (50% for Palmetto Home Advantage). A wrong insurance estimate can push you over and cost you the deal.
3️⃣ No automated approval. SC Housing only allows manual underwriting on Palmetto Home Advantage. A buyer I know of lost their home over this because their lender didn't know.
4️⃣ Income miscalculation. SC Housing uses prior year plus year to date average. If your lender calculates it wrong you could be over the income limit without knowing it.
5️⃣ Being on the title of another property without realizing it. Grandma added you to her deed to be sweet and just accidentally stripped you of your first-time buyer status. Not a problem on Palmetto Home Advantage but it can kill the deal on every other program. 😬

This is why due diligence BEFORE you start shopping is everything. Work with a lender who checks all of this upfront, not after you are already under contract.

TheHomeLoanTeam.com. Let's get your approval right before you shop.

Agents know.When your lender communicates, closes clean, and protects your reputation, your business grows.The right len...
05/12/2026

Agents know.

When your lender communicates, closes clean, and protects your reputation, your business grows.

The right lending partner doesn’t just close deals.
They elevate your brand.

If you're a real estate agent looking for a 5-star lender partner who helps you win more, email [email protected] and let’s collaborate.

05/11/2026

Most SC Housing problems happen because of one thing. The lender. 😤

SC Housing loans require more documentation than other loan types and when a lender doesn't know that upfront it creates delays, surprises, and sometimes lost deals. That should never happen.
I have been working SC Housing programs since 2016 and was recognized as an SC Housing Top Loan Officer for 2025. Here is what makes the difference on every single file.

For my agents specifically:
📌 Get the CL-100 report early and get it to your lender as soon as possible. This one document can hold things up if it is not handled quickly.
📌 Write your contracts for 30 to 40 days. That breathing room matters.

And here is the good news. The majority of our SC Housing approvals come back with zero conditions. We have gotten a clear to close in as little as two weeks. That happens because we put in the work on the front end so there are no surprises at the back end.

When you work with the right lender, these programs are absolutely worth it. 💪
TheHomeLoanTeam.com

Not every opinion deserves access.Not every voice deserves influence.Peace is productive.When you guard your energy,you ...
05/11/2026

Not every opinion deserves access.
Not every voice deserves influence.

Peace is productive.

When you guard your energy,
you lead better.
You think clearer.
You decide wiser.

Boundaries are strength.

Address

528 Columbia Avenue
Lexington, SC
29072

Telephone

(803)5651831

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