Beaufort Lending, LLC

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Beaufort Lending, LLC Beaufort Lending, LLC is a locally owned and operated full-service mortgage brokerage firm serving all of South Carolina.
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Owner, Benji Gecy is a 28yr licensed Mortgage Broker. VA-FHA-Conventional-DSCR-Construction-Manufactured-USDA Experts.

🇺🇸 30 YEARS IN THE MORTGAGE BUSINESS — WHAT A RIDE! 🏡1996 → 2026 | Celebrating 30 Years as a Mortgage BrokerIn October 1...
10/08/2026

🇺🇸 30 YEARS IN THE MORTGAGE BUSINESS — WHAT A RIDE! 🏡
1996 → 2026 | Celebrating 30 Years as a Mortgage Broker

In October 1996, I was 22 years old, recently released from minor league baseball, and decided to take a chance on this crazy mortgage business.

My first job was with Chase Mortgage Brokers, where I also met Barry Evans — who became a lifelong friend and is still one of my best friends today.
I knew almost nothing about mortgages when I started. Rates were around 8%, Dan Marino was on TV selling 125% LTV second mortgages, and the industry looked a whole lot different than it does today.
But as a competitor and athlete, I immediately loved the fast-paced environment. I quickly found my niche: communicating with clients, providing superior service, and giving people quick, straightforward answers.

Thirty years later, that philosophy hasn't changed.
SERVICE is still #1. Pick up the phone. Communicate. Give people answers. Do what you say you're going to do. And take care of your clients.
Today, I’m incredibly grateful to be recognized as one of the top mortgage brokers in America, but I’m even more proud of the expert team we have built — people who truly care about service and work hard every day to help families fulfill the dream of homeownership.

Over 30 years, I’ve watched interest rates rise and fall, markets boom and crash, lending guidelines change, and the mortgage industry completely reinvent itself.
But great service never goes out of style.

To every client who trusted me, every Realtor and referral partner who believed in me, every member of our team, and all of my friends and family who have supported me along the way — THANK YOU.

30 years later, I’m still here. Still originating. Still competing. Still picking up the phone. And still loving what I do.
Here’s to the next chapter! 🇺🇸🏡🥂
Benji Gecy | Beaufort Lending
NMLS #302188

🏠 DSCR LOANS: BANK SAID NO? THESE 3 SC INVESTMENT DEALS STILL CLOSEDA loan denial doesn’t always mean the investment pro...
09/25/2026

🏠 DSCR LOANS: BANK SAID NO? THESE 3 SC INVESTMENT DEALS STILL CLOSED

A loan denial doesn’t always mean the investment property doesn’t work—it may mean you need a different financing strategy.

Three recent South Carolina investment deals. Three different challenges. Three paths to the closing table:

🏖️ Myrtle Beach Condotel — Closed in 18 days
🏡 Beaufort Duplex — Self-employed buyer, closed in 10 days
🔑 Hardeeville Rental — Retired, first-time investor with 20% down

DSCR loans can focus primarily on the property’s qualifying rental income rather than traditional personal-income calculations, subject to lender guidelines, credit, assets, property eligibility and underwriting.

If a bank or lender has turned down your investment-property loan, let Beaufort Lending take another look.

📞 843-441-0668
🌐 Beaufort.Mortgage

Benji Gecy | Broker/Owner | NMLS #302188
Beaufort Lending | NMLS #1703543

Denied a South Carolina investment property mortgage? Three case studies show why a second review may uncover another financing path.

🏡 2027 Increased Conforming Loan Limits Available NOW!Great news for homebuyers and homeowners! 🎉 Beaufort Lending is ho...
09/16/2026

🏡 2027 Increased Conforming Loan Limits Available NOW!

Great news for homebuyers and homeowners! 🎉 Beaufort Lending is honoring the increased 2027 conforming loan limits effective immediately.

🏠 1-Unit Conventional & VA: up to $847,440
🏘️ 2-Unit: up to $1,085,059
🏢 3-Unit: up to $1,311,535
🏢 4-Unit: up to $1,630,005

The official 2027 conforming limits have not yet been released by FHFA, but these increased estimated limits are available to eligible Beaufort Lending borrowers now.

Higher loan limits = more buying power and more financing options. Whether you're purchasing, refinancing, or investing, give me a call and let's see what these new limits can do for you.

Benji Gecy | Broker/Owner
NMLS #302188
📞 843-441-0668
📧 [email protected]
🌴 Beaufort.Mortgage

Programs and loan limits are subject to change. Qualification requirements apply.

🏡 CTC IN JUST 6 DAYS — AFTER A TURN DOWN! 🔑 | BROKERS ARE BETTER!Another lender couldn’t get it done. Beaufort Lending d...
09/15/2026

🏡 CTC IN JUST 6 DAYS — AFTER A TURN DOWN! 🔑 | BROKERS ARE BETTER!

Another lender couldn’t get it done. Beaufort Lending did.

After running into problems with their original mortgage, they called us for help. Six days later, they were Clear to Close and ready to buy their home! 🎉

⭐ Experience Matters.
💰 Shop your rate.
📞 Then call Beaufort Lending.

We’re incredibly grateful to William and Becca for trusting Beaufort Lending to step in, find a solution, and get them to the closing table. Thank you for the terrific ⭐⭐⭐⭐⭐ Google review!

Benji Gecy | Broker/Owner | NMLS #302188
📲 843-441-0668
🌐 Beaufort.Mortgage

09/15/2026

Explore September in the South Carolina Lowcountry with Christy Gecy: Port Royal and Bluffton markets, Hilton Head events, and Beaufort waterfront days.

🏡⭐ THE POWER OF THE 2/1 BUYDOWN! ⭐🏡One of the best tools in today’s mortgage market — and hardly anyone uses it! A prope...
08/27/2026

🏡⭐ THE POWER OF THE 2/1 BUYDOWN! ⭐🏡

One of the best tools in today’s mortgage market — and hardly anyone uses it! A properly structured 2/1 Buydown can make those first two years of homeownership much more affordable. 💰🔑

Another 5-star experience and another happy homeowner! ⭐⭐⭐⭐⭐

🎉 Congratulations to my client! And a huge thank you to the incredible agents who worked together to make it happen:

🏡 Listing Agent: Stephanie Cox | eXp Realty
🔑 Buyer’s Agents: Kathy Gecy & Christina Gecy | Howard Hanna Allen Tate

Great agents + the right mortgage strategy can make all the difference. 👏🏡

📲 Before you make your next offer, ask us how a 2/1 Buydown could work for you!

Benji Gecy | Broker/Owner | NMLS #302188
Beaufort Lending | NMLS #1703543
📞 843-441-0668 | 🌴 Beaufort.Mortgage

🏆🔥 DON’T MAKE A MISTAKE ON YOUR NEXT MORTGAGE — EXPERIENCE MATTERS! 🏡💰📈🇺🇸 TOP 1% NATIONALLY — 6 YEARS RUNNING 🏆🏆🏆🏆🏆🏆Your...
08/24/2026

🏆🔥 DON’T MAKE A MISTAKE ON YOUR NEXT MORTGAGE — EXPERIENCE MATTERS! 🏡💰📈

🇺🇸 TOP 1% NATIONALLY — 6 YEARS RUNNING 🏆🏆🏆🏆🏆🏆

Your mortgage is one of the biggest financial decisions you’ll make. Who you choose to handle it matters.

At Beaufort Lending, we’ve spent nearly three decades building the experience, lender relationships and mortgage knowledge to help borrowers find the right loan, right program and right strategy for their situation.

Being recognized among the Top 1% of mortgage brokers nationally for six consecutive years is something we’re extremely proud of. But an award is only meaningful when there’s a proven track record behind it. 💪🏆

As a mortgage broker, we aren’t tied to one bank or one set of guidelines. We have access to multiple wholesale lenders and a wide range of programs — from VA 🇺🇸, FHA, USDA 🌴 and Conventional to Jumbo, DSCR 🏘️, Construction 🔨 and solutions for self-employed borrowers.

Whether your mortgage is straightforward or complicated, take advantage of our experience and expertise before making your decision.

✅ Nearly 30 years of mortgage experience
🏆 Top 1% National Mortgage Broker — 6 Years Running
🤝 Multiple lenders & loan programs
⚡ Fast, experienced service
🏡 Thousands of homeowners helped

Don’t just choose a lender. Choose experience. Choose a proven track record. Choose Beaufort Lending. 🏆🏡💪

📲 Have a mortgage scenario? Give me a call and let’s compare your options.

Benji Gecy | Broker/Owner
🏡 Beaufort Lending
NMLS #302188 | Beaufort Lending NMLS #1703543
📞 843-441-0668
📧 [email protected]
🌐 Beaufort.Mortgage

Looking for the best mortgage broker in South Carolina? Benji Gecy of Beaufort Lending is ranked in the top 1% nationally for 6 straight years. Save more on your SC home loan.

🏡🌊 Second Home Mortgage Options in Greenville, SC | 2026 GuideThinking about buying a second home on Lake Keowee, Lake H...
08/24/2026

🏡🌊 Second Home Mortgage Options in Greenville, SC | 2026 Guide

Thinking about buying a second home on Lake Keowee, Lake Hartwell, or in the Greenville Upstate? Before you start shopping, it pays to understand how second-home financing works in 2026.

Many waterfront properties are priced above the $832,750 conforming loan limit, which can quickly move the financing conversation into jumbo territory.

Here are a few important things second-home buyers should know:

💰 10% minimum down for a conforming second home
🏦 Jumbo financing may be needed above $832,750
💵 Cash reserves may be required for both your primary and second-home mortgages
📈 Second-home rates typically run higher than primary-residence rates
🏠 South Carolina generally assesses second homes at 6% for property-tax purposes vs. 4% for a qualifying primary residence
📍 And the often-repeated “100-mile rule” is NOT a Fannie Mae requirement

Whether you’re looking for a weekend lake house, a retirement getaway, or a second home in the Upstate, run the financing numbers before you fall in love with the dock. 🚤☀️

Our new 2026 Second Home Mortgage Guide breaks down second-home requirements, jumbo financing, down payments, rates, taxes, second home vs. investment property, and financing options for retirees.

👇 Read the full article and see which financing options may work for you.

📞 Benji Gecy | Broker/Owner
🏦 Beaufort Lending
NMLS #302188 | Company NMLS #1703543
📱 843-441-0668
📧 [email protected]
🌐 Beaufort.Mortgage
🏡 Equal Housing Opportunity

Loan programs, rates, terms, and eligibility are subject to change. All loans are subject to underwriting approval. This is not a commitment to lend.

Buying a second home near Greenville or Lake Keowee? Down payment rules, reserves, and the South Carolina tax rule that catches out-of-state buyers.

🏝️ Cat Island: The Total Lowcountry Lifestyle Without the Gated Community Price Tag 🌊⛳️⚓️Thinking about Cat Island? Not ...
06/17/2026

🏝️ Cat Island: The Total Lowcountry Lifestyle Without the Gated Community Price Tag 🌊⛳️⚓️

Thinking about Cat Island? Not all "waterfront" properties are the same. From breathtaking marsh views 🌾 and tidal creek frontage 🚣‍♂️ to golf course homes ⛳️ and rare deepwater estates 🚤, Cat Island offers a little bit of everything that makes Lowcountry living so special.

Just minutes from downtown Beaufort 🌴, it's one of the best values in the Lowcountry—delivering luxury living, golf, boating, water views, and island charm without the fees and costs often associated with gated communities 💰✨.

Whether you're looking for a marsh-front sunset 🌅, a deepwater dock ⚓️, fairway views ⛳️, or simply a beautiful place to call home 🏡, Cat Island truly offers the total package.

📖 Check out my latest article: "Cat Island: What Locals Need to Know"

📲 Christy Gecy, Realtor📞 843-441-0903

✨ Powered by Howard Hanna Real Estate Services ✨

🏝️ 🌴 🌊 ✨ 🏡 🚤 ⛳️ 🏠

Browse Cat Island waterfront homes and marsh view properties in Beaufort, SC. Deepwater estates, tidal creek frontage, and golf course views in a private gated community minutes from downtown. Christy Gecy knows this market inside and out.

Address

1857 Ribaut Road
Port Royal, SC
29935

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+18435242404

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