We built the Momentum Assistance Program for one reason. The traditional mortgage system turns down people it should be approving. Low credit score. Self-employed income. Prior bankruptcy. Too many denials. These are not reasons to stop. They are reasons to call us.
We have helped borrowers who were turned down 12 times before they found us. We have helped borrowers denied 17 times. We do not quit on a file until we have tried every path. Give us the full picture and we will tell you whether we can help.
VA · FHA · HomeApproval · DPA · Chapter 13 · Manufactured Homes
We Get Loans Approved · A Division of Mr. Mortgage LLC
What You Need to Hear
A Denial Is Not a Verdict.
Most lenders use automated systems that are built to say no to anyone who does not fit a narrow profile. Those systems do not know your full story. We do things differently.
The Lender Who Denied You Was Not the Last Option
Every lender has a different set of guidelines and a different threshold for what they will approve. One lender's denial is not every lender's denial. We have eight different approval pathways. Most lenders have one.
Your Credit Score Is Not Your Final Number
We work with scores below 580. We work with scores below 500 on certain files. A credit score tells part of the story. The full picture — your income, your savings, your situation — tells the rest. Give us the full picture.
Being Denied Multiple Times Does Not Mean You Cannot Own
We have closed borrowers who were denied 12 times before they found us. We have closed borrowers denied 17 times. The number of denials on your record is not the issue. The reason for each denial is what we need to know.
You Do Not Have to Figure This Out Alone
Tell us specifically why you were denied and give us the full scenario. We will tell you within 24 to 48 hours whether there is a path forward and what it looks like. No runaround. Straight answer.
Your Options
Eight Paths to Getting You Approved.
Most lenders offer one product. If you do not fit it they send you home. We built a program with eight different pathways so we can find the one that actually fits your situation.
HomeApproval — Lease to Purchase
Not ready to qualify through the traditional mortgage process today. HomeApproval is an FHA-backed pathway for eligible buyers. Participation and final homeownership remain subject to program requirements and qualification.
FHA-backed program
Down Payment Assistance
You qualify on income but do not have the down payment. Multiple DPA programs available for South Carolina buyers.
Score of 580 or above required
VA Financing
Veteran or active duty. No down payment required for eligible VA borrowers. We work complex and previously denied VA files.
Military service required
Manual Underwriting
A human reviews your file instead of an automated system. This is where we find approvals that algorithms miss. Your full story gets evaluated by a person.
For files automated systems rejected
Land as Down Payment
You own land. We structure that land equity as your down payment so you do not need to bring cash to the table for that portion.
Must own land in SC
Manufactured Home Financing
Single wide, double wide, or complex manufactured home scenarios. Most lenders refuse these without review. We work them.
Including single wides
Chapter 13 Active Buyout
Currently in an active Chapter 13 repayment plan. You may qualify to purchase a home during the plan without waiting for it to complete.
Active Chapter 13 only
Homeownership Preparation
Not ready today. We build a specific path for you, tell you exactly what needs to happen, and track your progress until you qualify.
For future buyers building toward ownership
If You Cannot Qualify Today
HomeApproval. A Path Forward When You Need More Time.
Cannot qualify through the traditional mortgage process right now. HomeApproval is an FHA-backed pathway that may allow an eligible buyer to move forward while completing the required qualification process.
Step 01
We Evaluate Your File
Tell us your scenario. We run it against all eight pathways. If HomeApproval is the right fit we move you forward immediately.
Step 02
You Sign a Lease-to-Purchase Agreement
The required program agreement is executed, and the buyer occupies the home under its terms while completing the qualification process.
Step 03
We Build Your Qualification Profile
During the lease we work your credit, income documentation, and debt. We get you to the point where permanent financing is possible.
Step 04
You Complete the Qualification Process
You must complete the required process and qualify for the assumption before ownership is completed.
What You Need to Know Upfront
✓ You can move into the home before you qualify for a traditional mortgage
✓ The agreement explains the payment structure, responsibilities, and qualification path
✓ No down payment assistance is available on this program — you need cash, gift funds, or retirement funds available
✓ We work your financial profile during the lease so conversion happens on schedule
✓ Seller concessions may be requested up to applicable program and actual eligible-cost limits
✓ The complete program structure is explained directly before any commitment is made
How HomeApproval works: The seller, builder, or manufactured-home dealer is paid when the initial transaction closes and has no involvement in the lease portion. The buyer then occupies the property through the HomeApproval structure while working toward permanent financing. Once the buyer qualifies, the buyer transitions into permanent financing. The original seller has already been paid and is not involved in that later conversion.
Proof
Experience, Licensing, and More Than One Review Path.
24
Years of Mortgage Experience
8+
Approval Pathways in One Program
SC
Licensed Statewide · NMLS #2178298
NMLS
#2178298
24 YEARS
Mortgage strategy developed through more than two decades of evaluating standard, manual, and specialized South Carolina loan scenarios.
Experience and Strategy
Individual outcomes depend on the buyer, property, documentation, and program.
STATEWIDE
Residential mortgage services are available for eligible properties throughout South Carolina.
South Carolina Licensed
NMLS #2178298
MULTIPLE PATHS
The complete scenario is evaluated before one lender decision is treated as the final answer.
Complete Scenario Review
Standard, manual, and specialized pathways are considered when applicable.
What Happens Next
Tell Us the Full Scenario. We Take It from There.
We do not need a full application. We need your story. The specific reason you were denied. Your financial picture. What you are trying to buy. Tell us everything and we will tell you within 24 to 48 hours whether there is a path.
01
Tell Us Why You Were Denied
Not the general reason. The specific reason. The exact language from the denial letter or what the lender told you. The more specific you are the faster we can evaluate your file.
02
Give Us Your Full Financial Picture
Credit score. How you earn your income. What you have saved. Whether you are a veteran. Any government debt. How many times you have been denied. Do not hold back anything thinking it will disqualify you. Let us make that determination.
03
Tell Us What You Are Trying to Buy
Purchase price range. Property type. Whether you have a contract already. How soon you need to move. This tells us which pathway fits your situation best.
04
We Respond Within 24 to 48 Hours
There is a path or there is not. If there is one we walk you through it. If there is not right now we tell you exactly what needs to happen before there is. Straight answer. No runaround.
South Carolina Home Buyers
Tell Us Your Scenario. All of It.
The denial you got is not the end of the story. Tell us everything. Not the version that leaves out the hard parts. The full picture. That is what gives us the best chance of finding a path forward. Call the team or submit your scenario online.