Mortgage Broker in Hanahan, SC — Serving NWS and All Lowcountry Military
Secure the Right Mortgage Loan in Hanahan with a Local Expert
Home Loans Inc. is Hanahan's veteran-owned mortgage broker — located just
minutes from Naval Weapons Station in Goose Creek, with 11 years of personal
mortgage experience and a deep understanding of the military pay structures,
VA loan requirements, and Lowcountry housing market that Hanahan families
need. Jason Sharon has lived in Hanahan since 2005 and knows every
neighborhood, every commute route, and every school district in this
community personally.
Serving Every Command at Naval Weapons Station
Quiet. Convenient. Coastal Living.
Our team originates VA loans for service members and civilians from every command at NWS Goose Creek — the Naval installation that sits just east of Hanahan and employs thousands of military and civilian personnel.
NWS Goose Creek commands we serve: NNPTC (Naval Nuclear Power Training Command) — the Navy's nuclear power school, where Jason Sharon himself trained as a nuclear engineer. NPTU (Naval Nuclear Power Training Unit) — the operational prototype reactor training command. NIWC (Naval Information Warfare Center) — formerly Space and Naval Warfare Systems Command, one of the Navy's largest warfare centers. Naval Munitions Command Unit Charleston. EOD (Explosive Ordnance Disposal) teams. NOSC (Navy Operational Support Center) Charleston.
Whether you are a junior Nuke fresh out of NNPTC or a senior officer at NIWC, we know your pay structure, your PCS timeline, and the housing market near your command. Jason was a nuke from 1993-2013.
✔️ Quick commute to Charleston, Goose Creek, and North Charleston
✔️ Great schools and family-friendly atmosphere
✔️ Outdoor recreation & waterfront access
✔️ Affordable housing with strong property value
Hanahan Neighborhoods — Where NWS Families Live
Hanahan's neighborhoods are among the most popular in the entire tri-county area for military families because of their proximity to NWS, good schools, and competitive pricing relative to Mount Pleasant and North Charleston.
Tanner Hall and Yeaman Hall: established neighborhoods with larger lots, very popular with E-7 through O-4 families who want space without Mount Pleasant pricing. Spring Hills and Eagle Pointe: newer construction sections with updated homes, popular with mid-grade officers. Hanahan Plantation and Eagle Landing: stable, well-maintained neighborhoods with strong resale values. Centre Pointe and Buck Pond: good starter home neighborhoods for junior enlisted families using their VA benefit for the first time. Cypress River and Paddock Pointe: more recent developments with good commute access to both NWS and the North Charleston employment corridor. Tanner Plantation: Ibis Glade, Eagle Bluff, Edgewood Trace, Sweetgrass Planation (remember when someone removed the "gr"?), and Tanner Ford. Pizza at LG's?
VA Loans in Hanahan — Zero Down for NWS and JB Charleston Personnel
VA loans are the dominant purchase product in Hanahan because the military population is so high — and Home Loans Inc. is the veteran-owned, VA-specialized brokerage that Hanahan military families call first.
With a typical Hanahan purchase price of $280,000-$380,000, the VA loan's zero-down benefit saves a military family $56,000-$76,000 in down payment compared to a conventional 20% down scenario. Add the PMI savings ($150-$250 per month for a conventional loan under 20% down) and the lower VA interest rate, and the VA loan typically saves a Hanahan military family $200-$400 per month and hundreds of thousands over the loan term.
We process VA loans for Navy Nuclear Pipeline personnel — including NNPTC students, NPTU trainees, and experienced nuclear operators — every single month.
Major Employers Near Hanahan
Hanahan's location between NWS, the North Charleston employment corridor, and easy access to I-26 and I-526 makes it attractive not just for military families but for civilian employees at the region's major employers.
Naval Weapons Station (NWS Goose Creek): the dominant employer, with thousands of military and GS civilian positions.
Boeing South Carolina: one of SC's largest manufacturers, located minutes from Hanahan via I-26.
Mercedes-Benz Vans: major employer in the North Charleston/Ladson corridor.
Volvo Cars: in the Ridgeville/Berkeley County area, accessible from Hanahan via I-26.
The Port of Charleston: North Charleston Terminal, accessible via I-26 and I-526.
These employers' employees — both veterans and civilians — are Hanahan home buyers, and we serve them all.
All Loan Types Available in Hanahan
While VA loans dominate our Hanahan volume, we originate every mortgage product for Hanahan buyers and homeowners who need different programs.
FHA loans for first-time buyers or those with limited down payments.
Conventional mortgages for buyers with 20%+ down who want to eliminate PMI.
USDA loans for eligible areas in nearby Berkeley County — Hanahan itself is not USDA eligible as an incorporated city, but nearby unincorporated Berkeley County areas may qualify.
HELOC and cash-out refinance for established Hanahan homeowners accessing equity. DSCR loans for investors purchasing Hanahan rental properties near NWS.
Hablamos espanol — our Spanish-speaking loan officers serve Hanahan's growing Spanish-speaking community. Nuestro equipo incluye oficiales de prestamos que hablan espanol y pueden guiarle a traves de todo el proceso hipotecario.
Related Resources
Q: I'm at NNPTC for Nuclear Power School. Can I buy in Hanahan now?
A: Yes, though we'll want to discuss your timeline carefully. Nuclear Pipeline students sometimes face extended schools — 6+ months for NPS plus NPTU. If you expect to be in the area for 18+ months total, buying can make strong financial sense versus BAH going to rent. Call us and we'll run the numbers for your specific situation.
Q: I work at NIWC and plan to retire in 3 years. Should I buy in Hanahan now or wait?
A: Three years is generally enough time to benefit financially from homeownership in the Hanahan market, particularly when using the VA loan's zero-down benefit. We can model the rent vs. buy calculation for your specific BAH rate, expected Hanahan appreciation, and retirement plans.
Q: Is Hanahan a good investment for rental property after I PCS?
A: Hanahan has consistently strong rental demand driven by the NWS pipeline — new NNPTC and NPTU students cycle through every 6-12 months and often rent before deciding to buy. We originate conventional and DSCR investment property loans in Hanahan for veterans who want to retain their Hanahan home as a rental after PCSing. Jason has rental property in Hanahan as well as his primary residence.
Q: Can my spouse use a VA loan to buy in Hanahan while I'm deployed?
A: Yes. A deployed service member's spouse can purchase using the VA loan with proper power of attorney documentation. We handle deployed-borrower VA purchases regularly for NWS and JB Charleston families.
Why Choose Home Loans Inc.?
Local Expertise
As a Hanahan-based brokerage, we understand the local real estate market, lender options, and housing trends better than anyone.
Diverse Loan Options
Whether you're looking for VA loans, FHA loans, conventional mortgages, or jumbo loans, we have the right fit for your financial situation.
Personalized Service
You're not just a number. We tailor every mortgage solution to your unique goals, credit profile, and future plans.
Veteran-Owned
Founded by Navy vet Jason Sharon, Home Loans Inc. is built on service, discipline, and commitment to excellence.
Our Mortgage Services in Hanahan
Home Purchase Loans
For first-time or repeat homebuyers — let’s find the perfect mortgage for your Charleston dream home.
Mortgage Refinancing
Lower your monthly payment or tap into equity with flexible Charleston refinance options
VA Loans
We specialize in helping veterans and military families leverage their VA loan benefits.
FHA Loans
Great for first-time buyers or buyers with limited credit — low down payments available.
Trusted Mortgage Brokers in Hanahan
Meet Jason Sharon
Mortgage Broker | Navy Veteran | Author
With a background as a nuclear engineer in the Navy, Jason brings precision and attention to detail to every loan file. Since founding
Home Loans Inc.
in 2018, he’s helped hundreds of families in Charleston become homeowners.
Jason is also the author of several mortgage books, and his insights are frequently featured in industry publications.
What Our Clients Say
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COMPANY
NMLS: 1281448 | COMPANY NMLS: 1728740
Home Loans Inc: Jason Sharon, Mortgage Broker |
2557 Ashley Phosphate Rd,
North Charleston, SC 29418 |
(843) 569-7283 | www.homeloansinc.com
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