Loan Agency in North Charleston SC
Loan Agency Services in North Charleston, SC
Home Loans Inc. is a licensed loan agency based in North Charleston, SC — originating residential mortgage loans for home purchases, refinances, and equity access across the Charleston Lowcountry. As an independent broker we shop your application across 50+ wholesale lenders simultaneously to find your best rate — something no single bank or credit union can do.
Loan Agency Services in North Charleston, SC
As your local loan agency in North Charleston, we originate every major residential mortgage product — shopping your application across 50+ wholesale lenders to find the best rate for your specific situation.
Whether you are buying your first home in Park Circle, refinancing a property in Pepperhill, or pulling equity from your Waylyn home, our team handles VA loans, FHA loans, USDA loans, HELOCs, DSCR loans, and every other loan type under one roof. Unlike a bank that offers only its own products, we are legally required to work in your best interest.
We are located at 2557 Ashley Phosphate Rd, North Charleston — serving
clients in person and fully remotely throughout SC, NC, VA, WV, FL, IA, GA,
and AL.
What Makes a Loan Agency Different From a Bank?
A bank is a single lender — it can only offer you its own loan products at its own retail rates. A licensed loan agency like Home Loans Inc. has access to dozens of wholesale lenders simultaneously — meaning we compare competing
offers and present you with the best option for your specific situation.
Here is what that means in practice: when you apply with us, your file goes to our entire wholesale lender network at once. We compare rates, fees, and terms side by side. You get the best available pricing — not the best pricing one lender is willing to offer.
This is why independent loan agencies consistently beat bank rates for qualified borrowers. We are not loyal to any lender — we are loyal to you.
Every Loan Type — One North Charleston Loan Agency
Home Loans Inc. originates every major residential mortgage product from our North Charleston location:
VA home loans: zero down for veterans and active-duty service members at JB Charleston and NWS.
FHA loans: 3.5% down, flexible credit, first-time buyers welcome.
USDA loans: zero down for eligible addresses in Summerville, Moncks Corner, and Berkeley County.
Conventional mortgages: fixed and adjustable rate, down payments from 3%.
Jumbo loans: higher-value properties in Mount Pleasant, Daniel Island, and Isle of Palms.
HELOC and cash-out refinance: access your home equity without selling. DSCR loans: investor financing based
on rental income.
Bank statement loans: self-employed borrowers qualify on deposits.
Construction loans: one-time close for custom builds.
Renovation loans: purchase and renovate in a single loan.
One agency. Every loan type. 50+ wholesale lenders. BBB Accredited A+.
Why North Charleston Homebuyers Choose Home Loans Inc.
Small-Town Charm. Big Opportunities.
Home Loans Inc. has served the North Charleston community since 2018 — founded by Jason Sharon, a 20-year U.S. Navy veteran and nuclear engineer who brought the same discipline and precision he applied to operating nuclear
reactors to the mortgage process.
420+ five-star reviews from North Charleston, Summerville, Hanahan, Mount Pleasant, and across the Lowcountry. BBB Accredited A+ since 2025.
Featured in Forbes, Yahoo Finance, Money.com, and The Hill.
Licensed in SC, NC, VA, WV, FL, IA, GA, and AL.
Spanish-speaking loan officers on staff — Hablamos
espanol.
When you work with our loan agency, you get a team that is legally required to act in your best interest — not a bank that is legally allowed to offer you its most profitable product.
✔️ Affordable housing and expanding communities
✔️ Ideal for families, retirees, and outdoor lovers
✔️ Access to lakes, rivers, and nature trails
✔️ Just 45 minutes from Charleston
Related Resources
Why Choose Home Loans Inc.?
Local Expertise
As a brokerage serving the Moncks Corner 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 Moncks Corner
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 Moncks Corner, SC
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.
Q: What is a loan agency?
A: A loan agency is a licensed mortgage originator that sources loan products from multiple wholesale lenders on behalf of borrowers. Unlike a bank that lends its own money at retail rates, a loan agency like Home Loans Inc. shops your application to dozens of lenders simultaneously — legally required to act in your best interest and find your best available rate.
Q: Is Home Loans Inc. a licensed loan agency in South Carolina?
A: Yes. Home Loans Inc. is licensed as a mortgage broker in South Carolina under Company NMLS #1728740. Jason Sharon is individually licensed under NMLS #1281448. You can verify both licenses at nmlsconsumeraccess.org.
Q: How many lenders do you work with?
A: We have access to 50+ wholesale lenders — including the same institutions that fund loans for major retail banks, but at wholesale pricing. This allows us to compare competing offers simultaneously and identify the best rate and terms for your specific credit profile, loan type, and property.
What Our Clients Say
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Customer Reviews:
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
CUSTOMER CARE
LEGAL
Equal Housing Lender
© Copyright 2026. Jason Sharon, Broker/Owner of Home Loans Inc. All Rights Reserved.