—— Summit Journal

Plain-English mortgage insight,
written from Summerville.

Weekly market updates, SC-specific program guides, and honest math on rates — straight from a broker who shops 100+ lenders on every file.

Down payment help, forgivable second mortgages, and the tax credits most SC first-time buyers never hear about — mapped by county and program.

A plain-English map of which parts of SC qualify for USDA's zero-down mortgage — and which urban carve-outs will surprise you.

A side-by-side of monthly payment, mortgage insurance, and long-term cost on a $300k SC home — with the break-even math most lenders skip.

A break-even framework for SC homeowners weighing a refi — and the three situations where it's worth it even if rates haven't dropped.

Where inventory is loosening, where it isn't, and what the 12-month trend means for Lowcountry buyers and Upstate move-up sellers.

Ready when you are

Still have questions? Let's talk.

A 15-minute call with Ken is often the fastest path from "I think I want to buy" to a same-day pre-approval.