Mortgage Brokers in North Charleston, SC
Mortgage Broker in North Charleston, SC — Home Loans Inc.
Home Loans Inc. is a veteran-owned, independent mortgage broker based at 2557 Ashley Phosphate Road in North Charleston, SC — serving homebuyers and homeowners across every North Charleston neighborhood with 11 years of personal mortgage experience and 8+ years as the Lowcountry's trusted local brokerage.
Major Employers Driving North Charleston's Economy
North Charleston's economy is anchored by several of the largest employers in South Carolina — creating steady housing demand from well-compensated workers who are active home buyers and homeowners.
Joint Base Charleston: the largest single employer in South Carolina, with thousands of active-duty service members from the 628th Air Base Wing, 437th Airlift Wing, 315th Airlift Wing, 1st Combat Camera Squadron, and dozens of tenant units.
Naval Weapons Station Goose Creek: NNPTC, NPTU, NIWC, EOD, Naval Munitions Command, and NOSC Charleston.
Boeing South Carolina: one of the state's largest private employers, producing the 787 Dreamliner.
Mercedes-Benz Vans: major manufacturing employer on the North Charleston/Ladson corridor.
The Port of Charleston North Terminal: one of the busiest ports on the East Coast.
These employers create a diverse buyer pool across every loan type — VA for military, conventional and FHA for Boeing and Mercedes employees, bank statement and DSCR for self-employed contractors in the supply chain.
North Charleston Neighborhoods We Serve
Our team originates mortgage loans throughout every North Charleston neighborhood — from the revitalized arts district of Park Circle to the working-class communities of Waylyn and Chicora, the suburban corridors of Pepperhill and North Charleston Heights, and the newer developments near the Ashley Phosphate corridor.
Park Circle and adjacent Aragon: the most in-demand North Charleston submarket, with bungalows and ranch homes from the 1950s-1970s that are ideal candidates for renovation loans.
Pepperhill: established suburban neighborhood with solid entry-level pricing.
Waylyn and Chicora-Cherokee: affordable first-time buyer markets with strong FHA and VA volume.
Liberty Hill and Accabee: historically significant communities with accessible price points.
Hunley Waters: established waterfront community near the Stono River. North Charleston Heights and Remount Road corridor: mid-century housing stock with renovation opportunity.
The area around our office on Ashley Phosphate Road: growing commercial corridor with residential neighborhoods on both sides.
Many older homes in Park Circle, Pepperhill, and North Charleston Heights are excellent candidates for FHA 203k or HomeStyle renovation loans — allowing you to purchase and renovate in a single loan. See our Renovation Loans page for details.
✔️ Booming housing and rental markets
✔️ Close to Boeing, Joint Base Charleston & other major employers
✔️ Great school options and new developments
✔️ Centrally located with easy access to downtown Charleston
Why North Charleston?
Diverse. Dynamic. Developing Fast.
North Charleston is one of South Carolina's fastest-growing cities and one of the best places in the Lowcountry to buy a home. With major employers including Boeing South Carolina, Joint Base Charleston, Naval Weapons Station Charleston, Amazon, and the Port of Charleston, the local economy is strong and housing demand continues to rise. Neighborhoods like Park Circle, Mixson, Waylyn, Pepperhill, Deer Park, and University Park offer a wide range of price points — from starter homes to investment properties — making North Charleston ideal for first-time buyers and seasoned investors alike.
✔️ Booming housing and rental markets
✔️ Close to Boeing, Joint Base Charleston & other major employers
✔️ Great school options and new developments
✔️ Centrally located with easy access to downtown Charleston
VA Loans for Joint Base Charleston and NWS
We know VA loans better than anyone in the area!
Home Loans Inc. is one of the most veteran-focused mortgage brokerages in the Charleston area. We serve active duty personnel and veterans stationed at Joint Base Charleston, Naval Weapons Station Charleston, and throughout the Lowcountry. More than 65% of our clients are veterans or active duty service members. We know VA loan eligibility, entitlement, funding fees, and the VA appraisal process inside and out — and we close VA loans faster than most lenders in the market. If you are PCSing to JB Charleston or NWS and need to move quickly, call us first.
All Loan Types Available in North Charleston
Home Loans Inc. originates every major residential mortgage product for North Charleston buyers and homeowners — from VA zero-down purchases to DSCR investor loans to renovation financing for fixer-uppers.
VA home loans: our specialty, serving JB Charleston and NWS personnel every day.
FHA: first-time buyers in Waylyn, Chicora, and entry-level neighborhoods.
USDA: some unincorporated areas near North Charleston qualify — we verify per address.
Conventional: move-up buyers in Park Circle and Pepperhill.
HELOC and cash-out refinance: homeowners accessing equity built since 2018-2020 appreciation.
DSCR: investors building rental portfolios in the Park Circle corridor.
Renovation loans (FHA 203k, HomeStyle, VA renovation): Park Circle and Pepperhill fixer-uppers.
Construction loans: custom infill builds in the Park Circle area.
Reverse mortgage: homeowners 62+ accessing equity.
Why Choose Home Loans Inc. in North Charleston?
As an independent mortgage broker, Home Loans Inc. shops your loan across 50+ wholesale lenders to find you the best rate and terms — something a bank or credit union simply cannot do. We are BBB Accredited A+, have 400+ five-star reviews, and have been featured in Forbes, Yahoo Finance, and Money.com. Our office is located in North Charleston, which means we know this market — the neighborhoods, the home values, the flood zones, and the lenders who understand Lowcountry real estate. We offer same-day pre-approvals, up to 120-day rate locks, and Spanish-speaking loan officers on staff.
Flood Insurance Considerations in North Charleston
Portions of North Charleston fall within FEMA Special Flood Hazard Areas — particularly communities near the Cooper River, Stono River, and their tributaries — and flood insurance affects both loan qualification and long-term homeownership costs.
We factor flood insurance premiums into every pre-approval for properties in or near flood zones — so your qualifying numbers are accurate from day one and there are no surprises at closing. North Charleston neighborhoods with notable flood exposure include portions of Hunley Waters, areas near the Cooper River, and low-lying sections of the Ashley Phosphate corridor. We review FEMA flood maps for every property before recommending a loan program. See our dedicated Flood Insurance and Mortgages page for complete detail.
Hablamos Espanol — North Charleston's Spanish-Speaking Community
North Charleston has a significant and growing Spanish-speaking community — and Home Loans Inc. has Spanish-speaking loan officers on staff who can guide Spanish-speaking borrowers through the full mortgage process in their preferred language.
Our bilingual team assists Spanish-speaking buyers with VA loans, FHA loans, USDA loans, conventional mortgages, ITIN loans for non-citizen borrowers, and visa holder mortgage programs. Boeing, Mercedes-Benz Vans, and Port of Charleston employ many Spanish-speaking workers who are active home buyers in North Charleston.
Nuestro equipo esta listo para ayudarle — llamenos al 843-LOW-RATE.
Local Expertise
As a brokerage serving the North Charleston area, we know 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 North Charleston
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 North Charleston, SC
Where is Home Loans Inc. located?
We are located at 2557 Ashley Phosphate Rd, North Charleston, SC 29418 — right in the heart of North Charleston.
Q: Do you specialize in VA loans for JB Charleston and NWS personnel?
Yes. More than 65% of our clients are veterans or active duty service members. We serve personnel at Joint Base Charleston and Naval Weapons Station Charleston and have deep expertise in VA loan programs.
What neighborhoods in North Charleston do you serve?
We serve homebuyers and homeowners throughout North Charleston including Park Circle, Mixson, Pepperhill, Waylyn, Deer Park, University Park, and all surrounding areas.
How fast can you get me pre-approved?
In most cases we can issue a same-day pre-approval. Call us at (843) 569-7283 or apply online
Do you offer loans for investment properties in North Charleston?
Yes — we offer DSCR loans, conventional investment property loans, and portfolio loans for investors purchasing rental properties in North Charleston and the surrounding Lowcountry.
Q: Can I use a renovation loan to buy a fixer-upper in Park Circle?
A: Absolutely. Park Circle is one of the best renovation loan markets in the Charleston metro. We originate FHA 203k Limited, FHA 203k Standard, Fannie Mae HomeStyle, and VA renovation loans for Park Circle properties regularly. The strategy: buy at un-renovated prices, fund all improvements through the loan, and build equity at closing.
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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Highly recommend
Excellent service
Very professional
Knowledgeable team
Smooth process
Customer Reviews:
417 reviews and counting
Let’s Get Started!
Our team is here to help you explore your refinancing options and find the best solution for your needs. Contact us today for a free consultation and see how refinancing your mortgage can work in your favor!
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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