Keith Craddock - VP of Mortgage Lending, NMLS 2347776

Keith Craddock - VP of Mortgage Lending, NMLS 2347776 I strive to help borrowers with the financing of their homes and provide a seamless loan process.

09/08/2026

Yes you can! 🎉

Did you know you don't have to put 20% down to avoid mortgage insurance? At Rate, we offer conventional loan options that let qualified buyers put less than 20% down with no monthly mortgage insurance.

That's exactly what our Forget MI conventional loan program is designed to do - help qualified buyers put less than 20% down without paying monthly mortgage insurance.

If you've been holding off on buying because you're worried about PMI, let's talk. I can help you explore our Forget MI, low down payment, no-MI conventional options and see what you qualify for.

Message me or start your application today to get the ball rolling.🏡 Rate.com/JoshEpps

https://www.rate.com/mortgage/resource/can-i-get-a-mortgage-without-pmi?LOID=15539

09/02/2026

🏡 Cleared to Close In Just 10 Business Days! 🎉

I want to take a moment to say thank you for trusting my team and me to assist with the financing for your client's new Beverly Homes purchase. We truly appreciate the opportunity to be part of such an important milestone! 🤝🔑

Even better, we were able to get this loan CLEARED TO CLOSE in just 10 business days! 🚀

How did we do it?

With our Same Day Mortgage™ program, we streamline and expedite the loan process by eliminating unnecessary back-and-forth between multiple processors and the underwriter. This allows our team to communicate more efficiently, address conditions faster, and keep the transaction moving forward.

⏱️ Faster processing.
📲 Streamlined communication.
🏠 A smoother path to closing.

If you're looking to close quickly without sacrificing service, communication, or attention to detail, let's talk!

Whether you're a Realtor, builder, or homebuyer, my team is ready to help make your next transaction a success. 🏆

📩 Let's get your next loan moving!



http://rate.com/joshepps

08/26/2026

Thank you so much for the wonderful review! ⭐️🏡 It was an absolute pleasure working with you, and you made the entire process so easy on our end! 😊 A huge thank you to Jackson Thomas with Beverly Homes for helping make this such a smooth transaction, and a special shoutout to Kendra Ammons and the entire team at Feldman Law Firm for another seamless closing! 👏🏼🤝 Thank you again for trusting my team and me with your financing. We're so excited for you and wish you many happy memories in your beautiful new home! 🏡❤️ Welcome to South Carolina! 🌴☀️🎉 Enjoy every moment! 🥂

http://rate.com/joshepps

08/07/2026

Thank you so much for your wonderful 5-star review! ⭐🏡

Thank you for trusting us with your financing journey after your first home purchase couldn't move forward due to the unique pay structure that comes with working in the traveling healthcare industry. At Rate, we take pride in helping traveling healthcare professionals secure financing solutions that many lenders aren't able to offer.

My team and I believe in doing the heavy lifting upfront so that once our borrowers are under contract, the process is as smooth and stress-free as possible all the way to closing. 💙

A huge thank you to Robbie Bunting with Hilton Head Properties and Stephen Anthony with K Hovnanian Homes for such a seamless transaction! 👏 And a special shoutout to Patty DiGiovanni with Butler & College for a flawless closing!

Thank you as well to for the referral-your trust means so much. It was truly an honor to help, and we'd love the opportunity to assist your friends and family in the future.

Congratulations on your beautiful new construction home! 🎉🏠 Wishing you many years of happiness and unforgettable memories.

http://rate.com/joshepps

07/27/2026

Thank you so much for the awesome review! 😊 It was truly a pleasure working with you, and I couldn't be happier to see such a deserving client become a new homeowner! 🏡🎉

A huge thank you as well to Kimberly Allen with Century 21 Palms Realty and Randi Dougherty with Weichert Realtors Southern Coast for helping make this such a seamless transaction. Your professionalism was exceptional, and I would be honored to work with you and assist your clients again in the future!

I'd also like to thank Caroline Kent and her team at Patrick & Stathos Law for a smooth and successful closing. Great job all around! 👏

Thank you again for the wonderful review. Enjoy your beautiful new home, and welcome to South Carolina! 🌴🏖️

http://rate.com/joshepps

Address

2411 North Oak Street Suite 202 (843) 213-6713
Myrtle Beach, SC
29577

Telephone

+18437127576

Website

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