Brennan Gilmore - The Queen Of Mortgages

10/26/2026

Getting the keys shouldn't leave your savings account grasping for air.

A larger down payment isn't always the answer, especially when it leaves you without funds for repairs, furniture, emergencies or just life after closing.

Low down payment options and negotiating seller concessions towards closing costs when the market allows are tools to help you keep your hard earned savings in the bank! 🤑

The goal is to buy a home AND have breathing room once you are moved in

Lets talk through your options before you decide how much money needs to go into your purchase 🏡💸💰

10/23/2026

You fell in love with the kitchen. But what’s going on under the house? 👀

Fresh paint and pretty countertops don’t tell the whole story. A home inspection can uncover issues you may never notice during a showing and help you understand what you’re buying.

Even a brand-new home deserves an inspection. And your appraisal? That serves a different purpose. It doesn’t replace one.

An inspection can’t catch everything, but skipping it could mean taking on expensive surprises. 🏡

Save this for when you start house hunting!

10/15/2026

What if you're a lot closer to buying a home than you think? 🏡

I talk to people all the time who have already counted themselves out.

They think their credit isn't good enough, they don't have enough money saved or they need to wait until interest rates come down.

But here's what I wish more people understood...

You don't have to be ready to buy a house to start the conversation.

Maybe you're ready today. Maybe you need six months to work on your credit or build your savings. Either way, having a plan is better than spending another year wondering.

You don't need perfect finances. You need to understand your options.

And helping you figure that out? That's literally what I do. ❤️

📍Helping homebuyers throughout South Carolina.

CharlestonMortgage

10/14/2026

What if the secret to affording a home is simply looking a little farther down the road? 🏡🌾

If you're struggling with home prices in Charleston, it might be time to expand your search!

USDA loans aren't just for farms! They're designed to help eligible buyers purchase homes in qualifying rural and small-town areas, and one of their biggest benefits is ZERO down payment!

Here's why looking rural could save your bank account:

🏡 Home prices can be significantly lower outside major cities.

💰 A lower purchase price can mean a much more affordable monthly mortgage payment.

🌳 You may get more land, more privacy and more house for your money.

🔑 Qualified buyers can finance up to 100% of the purchase price with a USDA loan.

And rural doesn't necessarily mean living in the middle of nowhere. You might be surprised how many small towns in South Carolina have USDA-eligible properties!

Of course, income limits, property eligibility and loan qualifications apply. You'll also want to consider commuting costs, taxes and insurance.

But if you work remotely, want a quieter lifestyle or just want your money to go further, don't overlook rural South Carolina.

Sometimes affordable homeownership is just a little farther down the road. ❤️

LowcountryLiving

10/13/2026

When you are making your plans for next year. Please follow these basic rules of home buying

10/12/2026

👻 A real estate horror story... and this one actually happened. 🎃

Imagine finding your dream home, getting a mortgage rate of 5.375% and then watching that rate climb to 7.375% while the property gets tangled up in probate. 😱

Same house. VERY different mortgage payment.

This is exactly why having a knowledgeable Realtor and mortgage lender in your corner matters. Real estate transactions don't always go according to plan and unexpected delays can completely change your numbers.

Your local housing market, home prices, interest rates and even how long it takes to close can all affect your buying power.

*The scariest part of buying a home isn't always the house. Sometimes it's what happens before closing 🏚️

10/08/2026

09/29/2026

If you’re buying a home in Charleston, please stop taking real estate advice from people who aren’t buying homes in Charleston.

What’s happening in Texas, Florida, California or even another part of South Carolina may have very little to do with what’s happening here.

And advice from someone who bought their house 20 years ago? Well-meaning, absolutely. Current market data? Not so much.

Real estate is LOCAL.

Look at the actual numbers for the area you want to buy in. Inventory. Days on market. Price reductions. Seller concessions. Recent sales.

Then make your decisions based on what’s happening right now, in the market you’re actually buying in.

Good decisions start with good information. 🏡

HomeBuyingTips LowcountryRealEstate

09/24/2026

So anyway. Hows everyone else doing this week?

09/17/2026

Did you know you can go up to the Mid $600,000 range on homes and still use an FHA loan?
And, you dont have to be a first time home buyer either!! Check out:
224 Calm Water Way, Summerville, SC 29486


Misti Cox Kinard