Anchor Mortgage helps you

find a lower rate

close your loan faster

get pre-qualified for more

Home Mortgage Loans, Simplified.
Direct Local Mortgage Lender for over 25 Years.

Let Anchor Mortgage Help Buy Your Dream House

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Get Pre-Qualified

We can get you prequalified online so you can make an offer with confidence that it will get accepted.

  • Benefits
  • icon Get Your Offer Accepted
  • icon Know Your Buying Range
Get Pre-Qualified
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Shop For Best Rate

We will use our network of lenders to shop for the best rates and loan program to fit your needs.

  • Benefits
  • icon Shop Multiple Lenders
  • icon Lower rates, Lower Payments
Shop Rates
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Fast Funding

Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.

  • Benefits
  • icon Hassle Free Funding
  • icon Get Your Dream House
Fund Your New Home
Preapproval Prequalified Anchor Mortgage Charleston Myrtle Beach

Get Pre-Qualified

A pre-qualification letter is your essential first step to making a strong, confident offer in today's competitive market. Our streamlined online form takes just minutes to complete, and we'll generate your personalized letter within 24 hours - often the same day.

No credit impact. No obligation. Just answers.

We can send your letter directly to your Realtor so you're ready to move when opportunity strikes. In today's market, hesitation costs homes - get pre-qualified now and be prepared when you find the perfect property.

Myrtle Beach Charleston Mortgage Home Buyer

Your Best Rate.

Big banks offer cookie-cutter loans. We offer solutions.

As a direct lender, Anchor Mortgage shops multiple wholesale lenders and programs to find your lowest rate and best terms - not just what's easiest for us to approve. Self-employed? Investor? Credit challenges? We have specialized programs when traditional lenders say no.

This is what separates direct lenders from retail banks: we work for you, not a corporate quota.

Welcome To Anchor Mortgage

At Anchor Mortgage, you're more than just a number – you're an individual with unique homeownership dreams. Unlike traditional banking institutions, we don't fit you into a rigid loan profile. As your local direct lender with over 25 years of experience in the mortgage industry, we pride ourselves on a 'common sense' approach to lending.

We partner with dozens of investors, giving us the flexibility to meticulously shop for the best rates and programs available. Our goal is to find the perfect mortgage solution that truly fits your lifestyle and financial situation. Whether you're looking for:

  • Conventional, VA, or FHA-backed mortgages
  • USDA (No Money Down) loans
  • Self-employed or Investment Home Loans
  • Second Home and Vacation Home financing
  • Solutions for Full Docs, No Docs, Non-Owner Occupied (Investor), or Multi-Family properties

...we have the expertise and options to meet your needs. Let us guide you to the best possible loan.

The Anchor Mortgage Advantage

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Local Knowledge

We know the area and the market and we're part of your community, not a bot on the net :)

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Fast Processing

We work to close your loan as quickly as possible. We can even hit curveballs!

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Best Service

We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.

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Utilizing Technology

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

Anchor Mortgage Fast Loan Closing

Efficient Closings
Expedited Loan Process

At Anchor Mortgage LLC, we understand the excitement of a new home. That's why we're committed to expedited loan closings for our Charleston and Myrtle Beach clients. Leveraging advanced digital tools and dedicated in-house staff, we streamline every step. Our proactive communication ensures transparency and minimizes delays, getting you into your dream home quickly and smoothly.

Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

* Please note: this calculator is for illustration payments and actual payments may vary.

Our team at Anchor Mortgage is fast, friendly, experienced and here to help you in every step of the home buying process!

Anchor Mortgage Loan Programs

Anchor Mortgage offers a variety of loan programs tailored for homebuyers, each designed with unique features, benefits, and eligibility criteria. Below are some of the most popular loan programs available

Conventional (Fannie Mae & Freddie Mac) Loans

  • As Low as 3% Down Payment
  • 620 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted 100%
  • Private Mortgage Insurance
  • Optional 
  • Not Required with 20% or More Down Payment
  • Automatically Cancels at 78% LTV (Loan-to-Value) 
  • $832,750 Maximum Loan Amount

FHA (Federal Housing Administration) Loans

  • 3.50% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 550 Minimum Credit Score
  • Up to $541,287
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • $472,030 Maximum Loan Amount

FHA 203k (Home Renovation) Loans

  • 3.50% Down Payment
  • Streamline 203k Loan
  • Use for Cosmetic and Common Repairs up to $35,000
  • Standard 203k Loan
  • Use for Extensive Repairs Over $5,000
  • 620 Minimum Credit Score
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $472,030 Maximum Loan Amount

VA (Veterans Affairs) Loans

  • Zero Down Payment – 100% Financing
  • 550 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • 2.30% Upfront Mortgage Insurance Premium (First-Time Use)
  • Financed into Loan Amount
  • Will Vary Depending on Down Payment and Subsequent Use
  • No Mortgage Insurance
  • Up to $832,750 Loan Amount

First-Time Homebuyer Loans

  • Down Payment Requirements
  • Conventional – 3% (Can be Gifted)
  • FHA - 3.50% (Can be Gifted)
  • VA - 0% (Zero Down Payment)
  • USDA – 0% (Zero Down Payment)
  • Down Payment Assistance
  • Conventional – Up to 3% (Restrictions Apply)
  • FHA – Up to 3.50% (Restrictions Apply)
  • Credit Score Requirements
  • Conventional – 620+
  • FHA – 580+
  • VA – 580+
  • USDA – 640+

USDA (Rural Development) Loans

  • Zero Down Payment – 100% Financing
  • 620 Minimum Credit Score
  • 1.00% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.35% Monthly Mortgage Insurance
  • Remains for Life of Loan
  • Income and Property Areas Restricted

Investment No Documentation Loan

  • 20% Down Payment
  • 660 Minimum Credit Score
  • DSCR (Debt Service Coverage Mortgage)
  • Qualify Based on Rental Income

Jumbo Loans

  • As Low as 20% Down Payment
  • 660 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • No Mortgage Insurance Option
  • Loan Amounts up to $3 Million

Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.

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Purchase Your Dream House

If you're looking for your first house, or if you've been there before, let Anchor Mortgage help you find the right mortgage loan option for your circumstance.

Fill out our quick form and one of our senior loan officers will contact you shortly!

Anchor Mortgage Charleston, South Carolina

Contact Us:

Phone: (843) 225-7334

Address: 133 River Landing Drive
Daniel Island, SC
29492

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed

Anchor Mortgage Myrtle Beach, South Carolina

Contact Us:

Phone: (843) 225-7334

Address: 510 9th Ave N
Myrtle Beach, SC
29577

Office Hours:

 

Anchor Mortgage Hickory, North Carolina

Contact Us:

Phone: (843) 225-7334

Address: 110 N Center Street
Hickory, NC
28601

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed