Stephanie Medlock- Benchmark Mortgage

04/30/2026

03/20/2026

You might be closer to owning a home in Charleston than you think.

I can’t tell you how many families sit across from me and say,
“Stephanie, we’re waiting until we save 10–20% down.”

And my heart sinks a little… because that’s not always true here in Charleston, South Carolina.

There are down payment assistance programs available including options up to $20,000 in forgivable funds, special programs for teachers, nurses, first responders, veterans, and even 1% down structures that many buyers don’t know exist.

But here’s today’s question 👇

👉 In Charleston, SC do you HAVE to put at least 5% down to buy a home?

Comment TRUE or FALSE.

Tomorrow, I’m breaking down the real answer and the programs most lenders never talk about.

If you're 40+, relocating, a veteran, public service worker, or just tired of renting… this is for you.

I’ve been helping families across Charleston, Berkeley, Dorchester and Beaufort counties navigate customized loan strategies for over 20 years and not every path looks the same.

Follow along so you don’t miss the reveal.

• Comment TRUE or FALSE below 👇
• Follow me so you don’t miss tomorrow’s answer



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03/17/2026

In Charleston, South Carolina, the highest offer doesn’t always win.

I’ve seen two identical offers — same price, same terms — and the deciding factor was financing strength. In today’s Charleston mortgage market, sellers look closely at pre-approval quality, loan type, appraisal risk, and closing speed.

With rates below 6% in early 2026, more buyers are entering the market which means stronger financing strategy is more important than ever.

In this video, I break down:
• Why Conventional loans are often preferred
• How credit score and down payment affect competitiveness
• Why local lender pre-approvals matter
• How fast closings give agents an edge
• What we do behind the scenes before submitting an offer

This content is created specifically for Charleston real estate agents who want their offers accepted not just submitted.

If you’re an agent in Charleston, Mt. Pleasant, Daniel Island, Summerville, or surrounding areas, this is for you.

I’m Stephanie Medlock, Mortgage Strategist with Benchmark Mortgage. My team and I structure loans strategically so our agents can compete confidently.

👉 Visit: https://stephaniemedlock.benchmark.us/
👉 Follow for weekly Charleston mortgage strategy insights

And most importantly save this for your next multiple-offer situation.



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