Yesterday our team had the great pleasure of meeting with Sr. Loan Officer Gene Robertson from Movement Mortgage. He shared some helpful information with us, and we want to share it with you!
Movement Mortgage was created in 2008, by co-founders Casey Crawford and Toby Harris with the mission to be a Movement of Change in the mortgage industry. Since they opened their business in the height of the housing crash with just 4 employees, they have continued to grow as a company and now have over 4,000 employees dedicated to serving you with quality service and lending.
Casey Crawford Toby Harris
Movement Mortgage is a direct lender, which means they can be more flexible with qualification guidelines and underwriting than a bank might be, they can get the job done in a timely manner and can save you money.
Gene shared with us about Movement Mortgage’s upfront underwriting, which will confirm upfront if your loan will work and prevents encountering any issues later on, when you’re already half way through the home buying process. They also have a 7-day processing system, so you know your loan will close on time, or sooner if you have the need.
With Movement Mortgage being a direct lender, they are able to offer several different loan options to choose from that are right for you and your current financial situation. South Carolina State Housing loan programs are great for first time home buyers and these programs provide down payment assistance.
One of which is called the South Carolina Palmetto Home Advantage Program. This program is for first time home buyers as well as repeat home buyers and offers up to 3% to 5% of the loan amount, through a forgivable second mortgage with a 10-year term and zero interest rate. This is not a grant.
The second is called the Hardest Hit Fund. This program is for first time home buyers only (cannot have had ownership in a home in the last three years) and offers up to $15,000 in down payment assistance, closing costs and/or prepaid items. This down payment assistance is also forgivable, through a second mortgage with a 10-year term and zero interest rate.
For more detailed information about these programs or any other lending products offered by Movement Mortgage, we encourage you to contact Gene Robertson with Movement Mortgage today. He is a lending expert and will be happy to walk you through the process and get you the information needed for qualification and can walk you through the process.
Once you know you’re ready to find your new home, contact one of J. King Real Estate’s agents to get the search started. We can’t wait to help you find your dream home.