The Home Loan Team

Home
United States
Lexington, SC
The Home Loan Team

Call Directions Website Contact the business

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.

10/14/2026

This is one of the most underused tools I see. On FHA, conventional, and several other loan types, a family member can gift you the full down payment amount. The key word is properly documented. We need a gift letter, proof the funds came from the giver's account, and a paper trail showing the money moving into yours.

Skipping this step, or trying to deposit gift money as cash, is one of the fastest ways to create unnecessary underwriting delays. Do it right from the start and it's seamless.

👉 DM me and let's talk about how to document gift funds correctly.

10/07/2026

I hear this fear constantly from small business owners and contractors. Self-employed income is absolutely usable, it just gets calculated differently. We typically look at a two-year average of your net income from tax returns, and there are bank statement loan programs designed specifically for self-employed borrowers whose tax write-offs make their income look lower than it actually is.

The key is working with a lender who understands self-employed income from the start, not one who panics the moment they see a Schedule C or K1.

👉 Apply with me, let's talk about your specific situation.

10/06/2026

Sometimes all it takes is the right lender who refuses to give up.

If you're a buyer or realtor looking for an exceptional lender partner, visit us at TheHomeLoanTeam.com to learn more or text Ashton at 843.998.5045 with your questions!

09/30/2026

An appraisal gap can feel like a deal-breaker, but there are several ways to work through it.

The buyer and seller can split the difference.
The buyer can bring additional cash to cover the gap.
We can sometimes challenge the appraisal with additional comparable sales data.
Or in certain cases, the loan program itself has some built-in flexibility depending on the final value.

The worst thing you can do is panic and walk away before exploring your actual options. I've saved deals that everyone assumed were dead.

👉 DM me before you panic over a low appraisal.

09/29/2026

Expert VA lending. Clear guidance. No headaches.

If you're a buyer or realtor looking for an exceptional lender partner, visit us at TheHomeLoanTeam.com to learn more or text Ashton at 843.998.5045 with your questions!

09/28/2026

“How much house can I afford?”

It’s one of the biggest questions buyers ask and the answer is not whatever an online calculator spits out.

Your income, debts, down payment, interest rate, taxes, insurance, HOA dues, closing costs and loan program all affect the answer.

But there’s another question that matters even more:

“What payment feels comfortable for my actual life?”

Qualifying for a payment and wanting to make that payment every month are two very different things.

Let’s look at everything, compare your options and build a plan that makes sense beyond closing day.

Stop guessing. Let’s run the real numbers. 🏡

If you're a realtor or buyer looking for a 5 star lender, it's time we connect.

Text - 843-998-5045
Learn more - TheHomeLoanTeam.com
Apply - HomeLoanGirl.com

09/25/2026

“Your credit needs work” is not the same thing as “you’ll never be able to buy a house.”

There are different loan programs, different credit requirements and different strategies depending on what is actually affecting your score.

You may need to pay down a balance, correct an error or simply give something more time. But you won’t know until someone examines the complete picture and gives you a specific plan.

Please don’t spend years counting yourself out because you were embarrassed to ask.

You do not need perfect credit to start the conversation. You need honest answers, real numbers and someone willing to show you the next step. 🏡

If you're a realtor or buyer looking for a 5 star lender, it's time we connect.

Text - 843-998-5045
Learn more - TheHomeLoanTeam.com
Apply - HomeLoanGirl.com

09/23/2026

Your VA entitlement isn't a one-time-use benefit. Depending on your remaining entitlement and the county loan limits where you're buying, you may be able to use a portion of your benefit on a new home while still carrying a VA loan on a previous property, whether that's a rental you're holding onto or a home in another state from a PCS move.

This is especially powerful for military families who relocate frequently and want to build a real estate portfolio along the way instead of starting over with conventional financing every time.

👉 DM me and let's talk through how this could work for you.

09/22/2026

Clients and Realtors agree...this is how lending should feel.

If you're a buyer or realtor looking for an exceptional lender partner, visit us at TheHomeLoanTeam.com to learn more or text Ashton at 843.998.5045 with your questions!

09/21/2026

The purchase price gets everyone’s attention but the monthly payment is the number you’ll actually live with.

Two homes with the same price can have very different payments depending on the taxes, insurance, HOA, interest rate, loan program and available seller credits.

That’s why I don’t just hand buyers a maximum approval amount and send them shopping.

We talk about the payment that feels comfortable, the money needed at closing and what they want their finances to look like after they get the keys.

And nothing I ask you to sign will ever be treated like “standard stuff.” You get to ask what every term means, why a number changed and how each decision affects you.

This is your money and your future. You deserve to understand all of it. 🤍

If you're a realtor or buyer looking for a 5 star lender, it's time we connect.

Text - 843-998-5045
Learn more - TheHomeLoanTeam.com
Apply - HomeLoanGirl.com

Address

528 Columbia Avenue
Lexington, SC
29072

Telephone

(803)5651831

Website

http://TheHomeLoanTeam.com/

Alerts

Be the first to know and let us send you an email when The Home Loan Team posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Home Loan Team:

Want your business to be the top-listed finance company in Lexington?