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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in South Carolina
  4. Charleston
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Charleston, SC

How much house can you afford in Charleston? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Charleston

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Tabor Mortgage Group

Tabor Mortgage Group helps clients navigate the mortgage process with clear communication and regular updates, using technology to simplify document handling. Their team assists with home purchase financing and works to resolve any issues that arise, earning praise for responsiveness and support throughout the loan process.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(843) 408-0856
Open 9:00 AM - 5:00 PM
2000 Sam Rittenberg Blvd Ste 2020, Charleston, SC 29407
General Services
Mortgage Services
2

Princeton Mortgage

Known for clear communication throughout the loan process, Princeton Mortgage guides clients from application to closing with attentive updates and support. The team handles conventional and self-employed borrower loans, often closing on tight timelines. Customers appreciate their professionalism and responsiveness, though some note the fast pace can feel intense.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(609) 737-1000
Open 8:00 AM - 5:00 PM
7 Radcliffe St #200, Charleston, SC 29403
General Services
Mortgage Services
3

Coastlend Mortgage

Coastlend Mortgage specializes in guiding first-time homebuyers through the lending process with clear communication and quick pre-approval letters. The team offers detailed fee breakdowns and works efficiently to secure competitive rates. Customers appreciate their responsiveness and straightforward approach, making mortgage transactions feel manageable.

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(843) 388-5763
Open 9:00 AM - 5:00 PM
2265 Clements Ferry Rd Ste 208, Charleston, SC 29492
4

Mission One Mortgage Home Loans - Debbie Haberny

Mission One Mortgage specializes in guiding homebuyers and homeowners through a variety of loan options, including VA, FHA, USDA, and Conventional loans. The team offers personalized discovery calls to clarify goals and compares loan estimates to help clients find better terms. Customers appreciate the attentive, responsive approach and clear communication throughout the process.

Services & Prices
VA Loans Quoted per loan
Conventional Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(843) 822-5685
Open 00:00 - 23:59
4900 O'Hear Ave, Charleston, SC 29405
General Services
Home Loan Services
5

Sweetgrass Capital Group - Sente Mortgage

Known for its team of experienced mortgage consultants, Sweetgrass Capital Group - Sente Mortgage offers a wide range of competitive loan options tailored to individual homebuyers. Clients appreciate the friendly, responsive service and clear communication throughout the often complex mortgage process. Some find the process naturally detailed, but the team’s support helps ease the experience.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Mortgage Pre-Approval Quoted per loan
View Profile
(843) 277-9304
Open 8:30 AM - 5:00 PM
32 Cooper St, Charleston, SC 29403
General Services
Home Loans
Where they are 10 on the map Click a pin for the profile and directions
6

Lennar Mortgage, LLC South Carolina

Known for guiding clients smoothly through the home loan process, Lennar Mortgage, LLC South Carolina offers mortgage brokerage services focused on clear communication and responsiveness. The team assists with various loan options and works to minimize surprises, though experiences may vary depending on the assigned agent. Customers appreciate their knowledgeable and helpful approach from start… more...

Known for guiding clients smoothly through the home loan process, Lennar Mortgage, LLC South Carolina offers mortgage brokerage services focused on clear communication and responsiveness. The team assists with various loan options and works to minimize surprises, though experiences may vary depending on the assigned agent. Customers appreciate their knowledgeable and helpful approach from start to finish.

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(843) 852-0656
Open 8:30 AM - 5:30 PM
1505 King St Ext Ste 200B, Charleston, SC 29405
7

Delarosa Financial Inc

Delarosa Financial Inc specializes in personalized mortgage guidance that helps clients understand their loan options clearly. The team offers detailed explanations and stays accessible throughout the home buying process, often coordinating with real estate agents and lenders to keep things moving smoothly. Customers appreciate their patient, responsive approach, especially first-time buyers.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(510) 734-9500
Open 8:00 AM - 9:00 PM
170 Meeting St Ste 110, Charleston, SC 29401
General Services
Mortgage Financing
8

The Local Team

With over 20 years of experience in the Charleston market, the Local Team specializes in guiding first-time buyers, investors, and homeowners through a variety of loan options including FHA, VA, and Jumbo Loans. Clients appreciate their clear communication and patient explanations, though some cases with complications may require extra time to resolve.

Services & Prices
Mortgage Refinancing Quoted per loan
Rate Comparison Quoted per loan
Debt Consolidation Refinancing Quoted per loan
Cash-Out Refinancing Quoted per loan
View Profile
(843) 606-6001
Open 00:00 - 23:59
1387 Harbor View Rd, Charleston, SC 29412
General Services
Mortgage Services
9

Leeward Point Mortgage

Leeward Point Mortgage specializes in VA and FHA loans, offering a range of purchase and refinancing options with an emphasis on quick closings. Serving clients in South Carolina and Michigan, their team is known for clear communication and making the mortgage process straightforward, though some may find the pace brisk compared to larger lenders.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(843) 203-4578
Open 8:00 AM - 8:00 PM
215 E Bay St Ste 403-F, Charleston, SC 29401
General Services
Mortgage Services
10

Gracen Watts -Your Mortgage Lady at Mint Group Mortgage, LLC

Known for deep industry knowledge and resourcefulness, Gracen Watts - Your Mortgage Lady at Mint Group Mortgage, LLC specializes in guiding clients through home purchases and refinancing with personalized attention. The team is praised for clear communication and persistence in overcoming challenges, ensuring a smooth mortgage process from start to finish.

Services & Prices
Home Purchase Financing Quoted per loan
Mortgage Refinance Quoted per loan
VA Loan Financing Quoted per loan
View Profile
(843) 906-3954
Open 9:00 AM - 4:00 PM
553 Savannah Hwy, Charleston, SC 29407
General Services
Mortgage Services

Charleston Mortgage Statistics

Home-purchase lending in Charleston County and home costs in Charleston, SC (latest HMDA and Census data)

Lenders made 6,104 home-purchase loans in Charleston County in 2025 (average about $643,000) and denied 858 — 12% of decided applications, compared with 19% across South Carolina, according to federal mortgage data (HMDA, CFPB). In Charleston, the median home is worth $509,700 and 69% of owners have a mortgage, paying a median $2,253 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
6,104▲ 4%5,852 in 2024
Denial rate
12%SC 19%
Median home value
$509,700SC $259,000
Monthly cost with a mortgage
$2,253median · SC $1,529
Refinance loans made (Charleston County, 2025)
3,429 · 2,527 in 2024
Home-improvement loans made (2025)
1,211
Average home-purchase loan
$643,000 (SC $346,000)
Owners with a mortgage
69% · 27% of them spend 30%+ of income on housing
Median household income
$92,414 (SC $69,324)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Charleston County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Charleston Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Tabor Mortgage Group 4.9 949 Quoted per loan (843) 408-0856 Visit
2 Princeton Mortgage 5.0 198 Quoted per loan (609) 737-1000 Visit
3 Coastlend Mortgage 5.0 193 — (843) 388-5763 Visit
4 Mission One Mortgage Home Loans - Debbie Haberny 5.0 188 Quoted per loan (843) 822-5685 Visit
5 Sweetgrass Capital Group - Sente Mortgage 4.9 180 Quoted per loan (843) 277-9304 Visit
6 Lennar Mortgage, LLC South Carolina 4.7 165 — (843) 852-0656 Visit
7 Delarosa Financial Inc 5.0 130 Quoted per loan (510) 734-9500 Visit
8 The Local Team 5.0 57 Quoted per loan (843) 606-6001 Visit
9 Leeward Point Mortgage 4.9 55 Quoted per loan (843) 203-4578 Visit
10 Gracen Watts -Your Mortgage Lady at Mint Group Mortgage, LLC 5.0 47 Quoted per loan (843) 906-3954 —

How this Charleston mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

South Carolina rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.44% of the home's value a year, the South Carolina average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the mortgage affordability calculator work for Charleston?
It estimates the highest home price you can qualify for using income, debts, down payment, and interest rate. It includes monthly payment, PMI, and property tax.
How accurate is the mortgage affordability estimate?
The estimate is a guideline. A pre-approval confirms the real number, verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in South Carolina?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income, following FHA standards.
What's the minimum down payment for a mortgage in Charleston?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in South Carolina?
With less than 20% down, PMI is about 0.6% of the loan annually. It can usually be removed once the loan balance is below 80% of the home's value.
How do interest rates change what I can afford?
Higher interest rates increase monthly payments, reducing the maximum home price you can qualify for. Rates change weekly.
How do debts affect my mortgage qualification in Charleston?
Higher monthly debts reduce the amount you can borrow, as lenders consider total debt payments against your income.
What is the property tax rate in South Carolina?
Property tax is about 0.44% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, giving a more accurate loan amount. Pre-qualification is a preliminary estimate.
What does a mortgage broker do in Charleston?
A mortgage broker helps find loan options and negotiates terms with lenders on your behalf.

General information, not financial advice — consult a qualified professional.