For South Carolina Agents and Builders

Your Buyer
Got Denied.
Call Us
Before They Walk.

We have been the call South Carolina agents and builders make when a deal dies at the lender for 24 years. The preferred lender said no. The big box bank said no. The builder's in-house company said no. We work the file they already gave up on. VA denials. FHA denials. Credit challenges. Self-employed income. Chapter 13. Manufactured homes. We built a program with eight approval pathways for exactly this situation.

24
Years Closing
Files Others Quit
8+
Approval Pathways
in One Program
SC
Licensed Statewide
NMLS #2178298
$0
Cost to Agents
and Builders
Submit a Scenario Now See the Full Program
Licensed SC Mortgage Broker
NMLS #2178298
24 Years · Complex Approvals · Manual Underwriting
USMC Combat Veteran
VA · FHA · HomeApproval · DPA · Chapter 13 · Manufactured Homes
We Get Loans Approved LLC · A Division of Mr. Mortgage LLC
The Situation

Your Deal Died
at the Lender.
Now What.

The preferred lender is not going to refer the file to us. They see us as competition. The referral has to come from you. And it has to happen before that buyer disappears.

🏦
Preferred Lender Denied Them
Builder's preferred lender. Buyer's bank. A big box company. It does not matter who issued the denial. What matters is whether there is another path. That is the only question we are trying to answer.
Make the call before your buyer leaves the building.
🎖
VA or FHA File Denied
Government loan denials are not always final. We have worked VA files that were denied twice before we closed them. Manual underwriting finds approvals that automated systems walk away from. Give us the full scenario.
We have closed veteran files other lenders quit on.
📉
Credit or Income Issue
580 credit. Self-employed income. 1099 earner. Prior bankruptcy. Thin file. These are not dead ends. They are the exact borrower profiles the Momentum Assistance Program was built for. We need the full picture to know what we can do.
We have closed people denied 17 times before us.
🏗
Inventory Sitting
Completed homes that cannot close because buyers keep getting turned down. Every month that home sits is money out of your operation. The HomeApproval program converts a turned-down buyer into a closed transaction without dropping your price.
No cost to the builder. Our fee comes through the transaction.
Who This Is For

Every Agent in South Carolina
Has Had This Day.

Buyer's Agents
Your commission is tied to that buyer. Not to a property. When their financing dies you do not get to start over with someone else. You need the file worked. Submit the scenario. We tell you within 24 to 48 hours whether there is a path.
Submit the scenario. Get a straight answer fast.
Listing Agents
Your seller's deal fell apart. The buyer's financing died. Your seller already made plans around that closing date. You need the buyer's agent pointed toward someone who can actually work the file before this contract falls apart entirely.
Send us the scenario. We pick up where the denial left off.
Builders and Developers
Your preferred lender cannot work the file. The buyer wants the home. The HomeApproval program moves that buyer in and converts them to ownership on a defined timeline. Your inventory closes. No price cut required.
No cost to you. We handle the financing complexity.
Builder Sales Representatives
You watched a buyer walk out with a denial letter after months of showing them homes. Before they disappear, get us the scenario. We have closed buyers who were denied 12 times. We have closed buyers denied 17 times. We need the full picture.
One call before they walk is all it takes.
The Program

The Momentum
Assistance Program

The only approval system in South Carolina built specifically for buyers the traditional mortgage market already told no.
D.C. Terry Sr. · Founder · We Get Loans Approved

M.A.P. is not one product. It is eight approval pathways built over 24 years of finding solutions where other lenders stopped looking. When your buyer gets denied we do not see a dead end. We see eight doors to try before we say no. We rarely say no.

When you refer a file to us we evaluate it against every pathway in the suite at the same time. Your buyer gets the best available option for their specific situation.

The M.A.P. Product Suite
Down Payment Assistance
Multiple DPA programs for buyers who qualify on income but need help getting to the closing table.
VA Financing — Complex and Denied Files
Specialized VA processing including manually underwritten and previously denied VA files.
Manual Underwriting
Human review for buyers whose profile does not fit automated approval systems. This is where we find the approvals algorithms miss.
Land as Down Payment
Buyer owns land. We structure that equity as the down payment and eliminate the cash-to-close barrier.
Manufactured Home Financing
Single wides, double wides, and complex manufactured home scenarios most lenders refuse without review.
Chapter 13 Active Buyout
Buyers currently in an active Chapter 13 repayment plan who qualify to purchase during the plan.
Homeownership Preparation
Buyer is not ready today. We build the path and track their progress until they qualify.
For Builders

HomeApproval.
Turned-Down Buyers
Into Closed Deals.

Your buyer could not get permanent financing. They want the home. The HomeApproval program moves them in through a lease-to-purchase structure using FHA-backed financing and converts them to ownership on a defined timeline. You close. They own.

Step 01
We Evaluate the File
Send us the scenario. We run it against every M.A.P. pathway. If HomeApproval is the right fit we move immediately. No delay.
Step 02
Lease Agreement Is Executed
The buyer signs a formal lease-to-purchase agreement. They move into the home. Monthly payments are structured toward ownership on a set timeline.
Step 03
We Build Their Qualification Profile
During the lease we work their credit, income documentation, and debt. We get them to the point where permanent financing is possible.
Step 04
Buyer Converts to Full Ownership
When they qualify for permanent financing we execute the purchase. Builder closes. Buyer owns. Done.
What This Does for
Your Business
  • Inventory that sits for months gets moving through the lease structure
  • You stop losing sales to buyers who want your homes but cannot qualify today
  • Turned-down buyers become active conversions instead of lost deals
  • We handle the financing complexity. Your job is to build and sell.
  • No cost to the builder. Our fee comes through the transaction.
  • Closed deals in South Carolina. Video testimonials available on request.
  • We recommend asking sellers for 6% in concessions to maximize the buyer's ability to close.
Submit a Scenario Now
24 Years of Proof

Real Clients.
Real Closings.
Real South Carolina.

24
Years in the Mortgage Industry
8+
Approval Pathways in M.A.P.
SC
Licensed Statewide · NMLS #2178298
$0
Cost to Agent and Builder Partners
★★★★★
"Two other lenders told us no. D.C. found a way when nobody else would try. We are in our home."
HomeApproval Client
South Carolina · Closed via M.A.P.
Request Video Testimonial
★★★★★
"I had given up. The Momentum Assistance Program gave me a path I did not know existed. We closed."
HomeApproval Client
South Carolina · Closed via M.A.P.
Request Video Testimonial
★★★★★
"D.C. Terry has been closing loans other brokers called impossible for over two decades. He is the call you make when everyone else has said no."
South Carolina Real Estate Professional
Long-Term Referral Partner
How to Send Us a File

We Do Not Need
a Full Application.
We Need the Scenario.

Tell us specifically why they were denied and give us the full picture. That is how every conversation starts. We tell you within 24 to 48 hours whether there is a path forward.

01
Tell Us the Specific Denial Reason
Not generally. Specifically. The exact language from the denial letter or what the lender communicated verbally. One word answers tell us nothing. The full picture tells us everything.
02
Give Us the Financial Picture
Credit score. Employment type. Income. Savings. Whether they are a veteran. Any government default. How many times they have been denied. Give us everything you know and let us determine what we can do.
03
Tell Us the Transaction Details
Purchase price. Property type. Contract status and closing timeline. Seller concessions if any. This tells us which pathway has the best shot at working for this specific file.
04
We Respond. You Know Where You Stand.
Standard files: 24 to 48 hours. Exception files: 4 to 5 business days. We give you a straight answer. There is a path or there is not. If there is one we walk you through it. If there is not we tell you exactly what the buyer needs to do to qualify in the future.
Who You Are Working With
Company
We Get Loans Approved LLC
Parent Entity
Mr. Mortgage LLC
License
SC NMLS #2178298
Founder
D.C. Terry, Sr.
Experience
24 Years · Complex Approvals · Manual Underwriting
Military
USMC Combat Veteran
Service Area
South Carolina · All Counties

24 Years Finding Yes
Where Everyone Else
Stopped Looking

We Get Loans Approved built a 24 year track record in South Carolina doing one thing at a level most lenders do not attempt: finding approvals for borrowers the traditional mortgage system was built to exclude. Not as a tagline. As a record built one closed loan at a time for agents, builders, and families who had run out of options.

The Momentum Assistance Program exists because the standard mortgage process was not built for the buyers we serve. Eight pathways. One mission. We do not give up on a file until we have tried every door.

When you refer a file to our team you are not getting a call center or a junior loan officer reading from a script. You are getting 24 years of knowing exactly where every lender's exception lives and how to get a buyer through the door most people thought was closed.

"The problem is not that your buyer cannot own a home. The problem is that nobody showed them the right path yet. That is what we do."
South Carolina Agents and Builders

Before That Buyer
Walks Out the Door
Make One Call.

Tell us specifically why they were denied and give us the full picture. That is all we need to get started. Standard scenarios get a response within 24 to 48 hours. No cost to you. No commitment required to find out if there is a path.

Call the Team
803-407-4470
Licensed South Carolina Mortgage Broker · NMLS #2178298 · We Get Loans Approved LLC · A Division of Mr. Mortgage LLC · Equal Housing Lender