For South Carolina Buyer's Agents

Your Buyer
Got Denied.
Your Deal
Is Not Over.

Before that buyer walks out the door make one call. Call 803-407-4470 or submit the scenario. Standard files get a response within 24 to 48 hours.

Your commission is attached 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. We Get Loans Approved has been finding approvals for denied borrowers in South Carolina for 24 years. VA denials. FHA denials. Credit challenges. Self-employed income. Chapter 13. Give us the full scenario and we will tell you whether there is a path.

Licensed SC Mortgage Broker · NMLS #2178298
24 Years · Complex Approvals
USMC Combat Veteran
VA · FHA · HomeApproval · DPA · Chapter 13 · Manufactured Homes · Manual Underwriting
We Get Loans Approved · A Division of Mr. Mortgage LLC
What You Are Actually Dealing With

Every Buyer's Agent
in SC Has Had
This Day.

The denial lands. Your buyer is defeated. The preferred lender is not going to refer the file anywhere. That referral has to come from you. And it has to happen before your buyer disappears.

💔
Your Commission Is Tied to This Buyer
You spent months with this person. Showed them homes. Built trust. When their financing dies your income dies with it unless you find someone who can work the file the lender already gave up on.
We evaluate every file before you give up.
🔇
The Preferred Lender Will Not Help You
They issued the denial. They are not referring the file to a competitor. The call has to come from you. And it has to come fast. Once a buyer gets that denial letter they start shutting down.
You make the call. We work the file.
😔
Your Buyer Thinks It Is Over
A buyer who has been denied once thinks homeownership is not available to them. A buyer denied three times has stopped believing entirely. The window to redirect them toward a real solution closes fast. Do not wait.
The faster you submit the scenario, the better.
📋
You Have No System for What Comes After a Denial
Most agents hand the buyer a list and hope. That is not a system. We are the system. One call. One team. Eight pathways. We evaluate the file and give you a straight answer. There is a path or there is not.
Make us your first call after every denial.
How to Send Us a File

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

First
Tell Us Why They Were Denied. Specifically.
Not generally. The exact language from the denial letter or what the lender communicated verbally. "Credit issues" tells us nothing. "Score of 547, 60-day late from 18 months ago, DTI at 48%" tells us everything. The more detail, the faster we can evaluate.
Second
Give Us the Full Financial Picture
Credit score range. Employment type. Approximate income. Savings. Whether they are a veteran. Any government default. How many times they have been denied and by which lenders. Do not hold anything back thinking it will hurt them.
Third
Give Us the Transaction Details
Purchase price. Property type. Contract status and closing timeline. Seller concessions if any. This tells us which of our eight pathways has the best shot at working for this specific file.
Then
We Respond. You Know Where You Stand.
Standard files: 24 to 48 hours. Exception files: 4 to 5 business days. 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.
Response Times
Standard scenario review24 to 48 Hours
Exception file processing4 to 5 Business Days
Urgent — closing in under 30 daysFlag it as urgent
Agent participationSubmit the scenario for review

You do not need all the answers before you submit. Tell us what you know. We identify what else we need and follow up with you or your buyer directly. The only bad submission is no submission.

Submit My Buyer
Every Denial Type We Work

No Matter How They
Were Turned Down
There May Be a Path.

These are the denial types we work every day. If your buyer was denied for any of these reasons, submit the scenario before they disappear.

VA Denial
Prior VA denial, entitlement issues, service-related complexity, or automated underwriting rejection on a veteran's file.
We work complex VA files.
FHA Denial
Low credit score, high DTI, employment gaps, prior bankruptcy or foreclosure, or automated system rejection on an FHA file.
Manual underwriting available.
Conventional Denial
Buyer does not fit conventional guidelines on credit, income documentation, debt load, or property type.
Government products may apply.
Credit Challenge
Sub-580 credit score, collections, charge-offs, or recent derogatory marks that automated systems reject outright.
HomeApproval pathway available.
Self-Employed Income
1099 earners, business owners, or borrowers with non-traditional income documentation that standard lenders cannot process.
Specialized income analysis.
Chapter 13 Active
Buyer is currently in an active Chapter 13 repayment plan and may qualify to purchase during the plan.
Active Chapter 13 pathway.
Down Payment Gap
Buyer qualifies on income and credit but does not have sufficient down payment or closing cost funds to close.
DPA and HomeApproval options.
Manufactured Home
Single wide, double wide, or complex manufactured home scenarios that standard lenders decline without review.
Manufactured home specialist.
Proof

A Broader Review
Before the Buyer Is
Written Off.

24
Years of Mortgage Experience
8+
Approval Pathways in One Program
SC
Licensed Statewide · NMLS #2178298
$0
Submit the complete scenario for review.
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.

24 Years Finding Yes Where Everyone Else Stopped

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.

When you refer a file to our team you are not getting 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 work a file through the door most people thought was closed.

Company
We Get Loans Approved
Parent Entity
Mr. Mortgage LLC
License
SC NMLS #2178298
Experience
24 Years · Complex Approvals · Manual Underwriting
Products
VA · FHA · HomeApproval · DPA · Chapter 13 · Manufactured Homes · Land as Down Payment
Founder
D.C. Terry Sr. · USMC Combat Veteran
Service Area
South Carolina · All Counties
South Carolina Buyer's Agents

Submit the Scenario.
Get a Straight Answer.
Save the Deal.

One submission is all it takes to find out if we can work the file. Submit the complete scenario for review. Standard scenarios get a response within 24 to 48 hours. Call the team or submit online.

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